双语新闻：互联网金融吹响颠覆小企业贷款的市场号角

2014-06-24 11:43:24来源：可可英语

　　Square, a brainchild of Twitter TWTR 0.48% co-founder Jack Dorsey, recently announced it would start making cash advances to small businesses. The move seems like a natural next step, considering that the mobile payment platform started helping small businesses process credit card payments. What’s worth highlighting, though, is that Square Capital is the latest example of technology driving a new market for small business loans.

　　Twitter联合创始人杰克·多西灵感的产物、移动支付技术公司Square最近宣布向小企业提供现金垫款。考虑到它的移动支付平台已开始帮助小企业处理信用卡支付，这一步看起来自然而然。但值得强调的是，Square Capital是科技推进新型小企业贷款市场的最新代表。

　　Innovators believe disruption is a good thing. And many will tell you there’s no market more overdue for disruption than the banking industry. In fact, it was 20 years ago that Bill Gates quipped that “Retail banks are dinosaurs.” Yet, today we still apply for loans at traditional banks in the same way we did in 1994 when the former Microsoft MSFT -0.17% CEO made that comment.

　　创新者们相信，颠覆是件好事情。而且，很多人将告诉你，没有比银行业更需要颠覆的行业了。实际上，早在20年前，比尔o盖茨就曾不无讥讽地说过，“零售银行业是堪称恐龙的老古董。”但是，如今我们还是像1994年这位微软(Microsoft)前CEO做出上述评论时一样，从传统银行申请贷款。

　　Don’t get me wrong, traditional banks have helped create a small business economy that has allowed millions to pursue their version of the American Dream. But over the years what has persisted is a loan process built around inefficiencies that drive high costs due to two realities: 1) It is difficult for willing lenders and borrowers to find each other. 2) Small business credit risk is hard to assess.

　　不要误解我的意思，传统银行帮助营造了小企业经济，让数百万人可以追求自己的美国梦。但多年来一成不变的是，贷款流程效率低下，推动产生高成本。现实原因有两个：1)有意愿借款和有意愿放贷的双方很难找到对;。2)小企业的信用风险很难评估。

　　Since 2007, technology has spawned new markets for lending, potentially transforming this industry in the same way it has travel, retail and others. The use of these new platforms has been on the rise since the Great Recession, due to either the ongoing feeling that banks remain unwilling to lend or that these new lenders are providing capital with greater efficiency. Or both.

　　自从2007年，科技为借贷打开了新市场，有可能像改变旅游、零售和其他行业一样改变这个市场。自从经济大衰退之后，对这些新型平台的利用一直不断增加，原因是始终感觉银行仍不愿进行放贷，或者，这些新放贷机构有更高的效率提供资本。抑或两者兼而有之。

本文关键字: 互联网金融吹响颠覆小企业贷款的市场号角