Advanced Week 203

写在前面的话

“ScalersTalk 口译进阶小组”的前身是“ScalersTalk 交传小组”，成立于 2015 年 2 月，现阶段，小组继续专注高级阶段的交替传译与同声传译训练，在巩固语言基本功的同时训练各类口译技能，从而为承担正式场合的口译打下坚实基础。

本周复盘说明

第 202 周训练的主题为：银行业。英译中练习的是Henri Arslanian 的“How FinTech is Shaping the Future of Banking”主题演讲。小组成员利用该材料练习了交传、同传和视译，并学习原文的词汇、表达和句型句式。设备建议：你需要电脑或手机播放音频、手机发送语音。

第 202 周——知识点整理

段落一

For example, did you know that Facebook has currently around 50 different regulatory licenses in the US alone? Licenses that would allow Facebook users to transfer money by the messenger app; Amazon recently experimented with offering student loans off its platform. AliBaba's financial arm – Ant Financial - launched a money market fund that has become the third biggest money market fund in the world, dislodging incumbents who have been doing this for decades. That fund has more than a hundred fifty million single investors who have in average invested less than one thousand US dollars each. For many of them, their first investment ever. Tencent’s messenger app WeChat has become one of the most common tools to transfer money. Last Chinese New Year, they processed more than 8 billion red envelope transactions. The same WeChat app by the way, not only allows you to buy insurance products or invest in funds directly from your smartphone, but also book your next doctor appointment, order a taxi, donate to charity and even find a date without ever leaving the app.

参考译文

比如，你们知道脸书现在获得了约50张不同的监管牌照，单在美国就有这么多吗？这些牌照使得脸书用户可以通过这个通信应用转账；亚马逊最近试验了提供学生贷款，通过自己的平台提供。阿里巴巴的金融公司蚂蚁金服推出了货币市场资金，成为了第三大货币市场资金，挤掉了不少同行，而这些公司从事这行已经几十年了。这支基金有超过150万个人投资者，平均投资少于1000美元/人。很多人都是第一次投资。腾讯的通信应用微信成为了最普遍的转账工具。去年春节，他们处理了超过80亿笔的红包交易。同样也是微信，不仅可以让你买保险或投资基金，直接通过智能手机做到；你还可以挂号、叫车、捐款甚至是找到约会对象，甚至不用离开这个应用。

解析

• The same WeChat app by the way, not only allows you to buy insurance products or invest in funds directly from your smartphone. 同样也是微信，不仅可以让你买保险或投资基金，直接通过智能手机做到。 这里采用“重复谓语”的译法，或是在时间不够的情况下，直接“点到即止”，扔掉后半句对原意也无实质影响。

• financial arm: 金融公司.

• Money market fund (MMF): 货币市场资金：指投资于货币市场上短期（一年以内，平均期限120天）有价证券的一种投资基金。货币市场基金每份单位始终保持在1元，超过1元后的收益会按时自动转化为基金份额，拥有多少基金份额即拥有多少资产。注：这里指的应是蚂蚁金服旗下的余额宝.

• Dislodging : ~ somebody (from something); to force somebody to leave a place, position or job（把某人）驱逐出 The rebels have so far failed to dislodge the President. 叛乱分子至今未能把总统赶下台。

• 本篇演讲涉及到许多日常生活的一些地道表达，可以在中译英时加以借鉴，例如： 买保险：buy insurance products 挂号：book (your next) doctor appointment（而不是用register at hospital） 叫车：order a taxi; 打车还可以用 hail a taxi/cab 转账：transfer money

段落二

But this Fintech revolution is also bringing a lot of other positive developments. One of the most important ones is Financial Inclusion. Currently in the world, we have more than 2 billion people who are completely unbanked. These are individuals who have no access to a bank account, no way to borrow money for college, and for whom the only way to save money is to literally stash it under their mattress. It perpetuates a vicious cycle of poverty, and by the way this is not only a problem in developing countries but also one in developed countries as well. In the US, for example in cities like Miami or Detroit, more than 20% of households are completely unbanked. But there's good news again. The good news is for the first time in modern history, we are able to offer these individuals with financial services, and we're already making a positive difference.

参考译文

但这种金融科技创新也带来了许多积极的发展。最重要的发展之一是金融包容性。目前，全世界有20亿人完全没有银行账户。这些人没办法开设银行账号，没办法借钱去上大学，对他们而言，唯一的存钱方式就是把钱放到床垫下。这持续造成了贫困的恶性循环；而且这不仅是发展中国家的问题，发达国家也是如此。在美国，像迈阿密和底特律这样的城市，超过20%的家庭完全没有银行账户。但我们也有好消息，就是首次在现代史上，我们能够为这些人提供金融服务，我们也已经带来了积极的影响。

解析

• unbanked: 没有银行账户；

• stash: store something in a safe or secret place存放； She has a fortune stashed away in various bank accounts.她有一大笔钱存在几个不同的银行账户下；a stash of money:一笔存款；

• perpetuate to make something such as a bad situation, a belief, etc. continue for a long time 使持续；to perpetuate injustice 持续造成不公正This system perpetuated itself for several centuries. 这一制度维持了几个世纪。

• These are individuals who have no access to a bank account, no way to borrow money for college. 这些人没办法开设银行账号，没办法借钱去上大学。

  这里使用“介词转动”的技巧，“access to a bank account”译为“开设”或“使用”银行账号，“for college”则为“去上大学”。

段落三

Others are connecting FinTech to the Internet of Things and wearable technologies imbedding banking in your day to day life so that in the future you will not even need to worry about it. Imagine your car insurance premiums automatically going down because your card knows that you have been driving safely and automatically notifies your insurer. Others are experimenting with a gamification in virtual reality as tools to provide financial services to Millennials in ways they may actually enjoy. And that's an important area of focus. A recent study showed that more than 70% of Millennials would rather go to the dentist than hear what their banks have to say. So obviously the banks are worried about all this, but the banks have realized that the landscape is changing. And in order to survive they need to evolve. Some banks will succeed in this evolution and being able to embed this culture of innovation and entrepreneurship across the organization but many will not, and this has consequences.

参考译文

其他企业正在连接金融科技与物联网和可穿戴技术，将银行业务渗透到日常生活中，在未来，你们甚至不用再担心这些问题。想想你们的汽车保险费会自动下降，因为你的卡知道你开车很安全，就自动通知了保险公司。还有企业在试验虚拟现实中的游戏化，提供金融服务给千禧一代，以他们喜欢的方式提供服务。这是重要的一个领域。最近的研究表明，超过70%的千禧一代宁愿去看牙医也不想听银行说话。显然，银行在担忧这一切，但银行也意识到局面在变化。为了生存，他们必须发展。一些银行将成功将创新的文化和企业精神渗透到整个组织，但很多银行将不会成功，而这将带来后果。

解析

• imbed ~ something (in something): to fix something firmly into a substance or solid object把…牢牢地嵌入（或插入、埋入）

• car insurance premiums: 汽车保险费

• Millennials: 千禧一代：指1982-2000年出生的一代人，这代人的成长时期几乎同时和互联网/计算机科学的形成与高速发展时期相吻合。