福建省泉州地图高清版:The Promise 曲谱

晕,上面那个是用机器翻译的.标题就翻译错了,第一句明显是指的经济学家杂志.35分真的不多啊,算帮你忙,给你翻译一下.一句句的应该没问题，不过有写公司和人名你自己翻译吧,我懒的查,英国的我知道的都给你翻译成中文名字了.

The hollow promise of Internet banking
网络银行的空洞承诺.
Nov 9th 2000
2000年11月9日
From The Economist print edition
来自经济学家杂志印刷版
Internet banking has failed to live up to its promise, both for traditional banks and for the upstarts that were supposed to wipe them out
网络银行在实现自己的承诺方面已经失败,无论是对传统银行还是新兴大客户,都应该将它清理出局.

UNTIL six months ago, no self-respecting financial consultant would travel without it:
直到6个月以前,甚至没有自重的金融顾问会在没有它的情况下作业.

the bar chart showing that the marginal cost of Internet banking transactions was a tiny fraction of the cost of branch banking. 这个图表表明,网络银行转帐的编辑成本是分支银行成本的很小一部分.

It was the chart that launched dozens of stand-alone Internet banks. 这个图表表明建立了许多独立的网络银行.

Unshackled from the cost of real property—and real people—Internet banks would, it was claimed, blow stuck-in-the-mud incumbents out of the water. 由于不受到实在固定资产或者人力资源的制约,网络银行将会,用它自己的话说,守的云看见日月.(自己翻译的成语,不知道对不?0

However, as Roberta Arena, director in charge of the Internet for HSBC, a British banking giant, remarks wryly: “Easy to say; tough to do.” 然而,正如英国银行业巨人汇丰银行网络业务负责人RA的讽刺,说起来容易做起来难,

Now Internet banks around the world are faltering. Part of the reason is that their physical rivals have become wiser, launching their own integrated “clicks ’n bricks” strategies that offer customers electronic access as well as dark satanic branches.现在网络银行在世界各地都举步为艰.部分原因是因为他们的传统对手变的聪明了,因为他们开始发展自己的"点击"业务,从而为顾客提供了电子化的服务.

But they are not undisputed winners either. They are finding that the Internet is, at best, a zero-sum game. 但是这并不能说他们就是不可质疑的胜利者.他们现在正在发现,网络是一个最好的零和的游戏.

The decline of the stand-alone Internet bank has been a global phenomenon. In America, Wingspan, one of the e-pioneers, announced in October that next year it will share information-technology facilities with its parent, Bank One, in order to save money.独立网络银行的衰落是一个全球的现象.在美国,做为网络业务先锋的翼展公司,在10月发表了一项声明表示,为了节约成本,明年他们将与他们的母公司,第一银行共同分享信息技术资源.

First-e, a Dublin-based Internet-only bank valued at euro1.1 billion ($1.1 billion) when it was acquired by Spain’s BBVA in March, has laid off staff and cut expensive television advertising. 都柏林的一家叫做第一网络的网络银行,在3月份被西班牙的BBVA收购时,评估价值只有1.1亿欧元,目前它已经精简员工并且取消了昂贵的电视广告.

Marbles, an Internet credit card offered by Britain’s HFC Bank, is also switching from TV advertising to cheaper direct mail; and SEB, a Swedish bank which has said that it sees the Internet as a means of expanding overseas, nonetheless acquired BfG in Germany because of its 170 physical branches. Marbles,一家由英国的HFC银行提供的网络信用卡业务公司也用更加便宜直接的邮寄广告方式取代了电视广告. 而瑞典银行SEB,尽管已经声称他们将网络银行看做向海外拓展业务的一种方式,但依然经受不住得国BFG银行170家分行的诱惑而实施了收购.

Egg, which was established two years ago by Prudential, Britain’s largest life insurer, has seen its value subside since it was launched on the stockmarket this spring; Egg是一家两年前由应归最大的保险公司Prudential建立的网络银行,但是从今年春天上市以来，资产直已经开始下降.

and Halifax’s stand-alone Internet bank, IF (for “Intelligent Finance”), opened eleven weeks later than planned, and then only as a telephone bank. 而哈里法克斯的独立网络银行IF(智能金融的简写),也比其计划开业时间推迟了11个周,而且它们还只是一个电话业务银行.

AIB, Ireland’s biggest bank, dropped its own plans for a stand-alone Internet bank at the end of October after concluding that its customers preferred to have a choice of channels. In Japan, never known for being at the forefront of financial innovation, Sanwa Bank is abandoning plans to set up a ¥15 billion ($140m) stand-alone Internet bank, having seen their poor performance elsewhere—which leaves Japan with just one online option: Japan Net Bank.爱尔兰的最大银行AIB银行,考虑到他们的客户更加希望得到渠道选择的权利,而在10月末取消了他们建立自己的网络银行的计划.在日本,从没被认为走在金融改革前沿的Sanwa银行已经开始放弃他们建立一个15亿日圆网络银行的计划.因为他们已经看到了网络银行在世界其他地方的拙劣表现.这样以来,日本只剩下一个在线选择:日本网络银行