2021考研英语：《经济学人》中英读译Day64

英语阅读能力依靠什么？必然是词汇的积累，但，仅仅是词汇的积累是不够了，更应该了解英语句式，不同句型所表达意义。如何培养自己的阅读语感呢？那么就跟着聚创考研网小编每天学一点英语，一起为考研筑起坚实的地基。阅读是需要积累的，就像我们需要经常和人沟通才会促进我们的表达能力一样~小伙伴跟着小编一起，每天坚持打卡，培养英语阅读能力及语感，了解文章一些经典词汇的用法。

美联储拟建实时支付系统(1)

In several countries—Britain, say, or Sweden—bank transfers are more or less instant.The moment your wages leave your employer's bank account, they arrive in your own,giving you the wherewithal to pay the bills and feed the family. But America is far behind.Transfers can take days to clear, landing many Americans—chiefly those who can least afford additional expense—with hefty overdraft fees or pushing them towards payday lenders charging high interest rates.

译文

在一些国家—如英国或瑞典—银行间转帐或多或少是即时的。你的工资一离开雇主的银行账户，就会进入你的账户让你有钱支付账单，养家糊口。但美国远远落后了。转账需要好几天才到账，许多美国人—主要是那些负担不起额外费用的人—因此背负了巨额透支费用，或者被迫向发薪日贷款方支付高额利息。

In an age when millennials can split a drinks tab on their smart phones before leaving the bar, this almost beggars belief.The Federal Reserve wants to speed things up.On August 5th it said that it would build a faster-payments system, as central banks have in other countries.But not, alas, instantly. FedNow, its proposed service, will not start before 2023.Covering all of America's 10,000 banks and other depository institutions will take even longer.In fact, America already has a real-time payments system.The Clearing House (TCH), which is owned by 25 big banks, has been running one since 2017.Between them, says Steve Ledford of TCH,the 16 banks that have so far joined the system hold just over half of the accounts from which payments can be made.TCH is pushing for near ubiquity next year.

译文

在这个千禧一代可以在离开酒吧前用智能手机分摊饮料账单的时代，这几乎令人难以置信。联邦储备局想要提速。8月5日，其表示将建立更快的支付系统，就像其他国家的中央银行那样。但不是马上。其拟议服务FedNow在2023年之前不会启动。覆盖美国所有一万家银行和其他存款机构甚至需要更长的时间。事实上，美国已经有了一个实时支付系统。归25家银行所有的清算所（TCH）自2017年起就在运营一个支付系统。TCH的史蒂夫·莱德福特表示，在它们之间16家已经加入该系统的银行所持有的账户仅略多于支付账户的一半。TCH正在推动其明年的全面普及。

So why does the Fed want its own? First, it is not convinced that TCH's system will ever connect to all the country's tiny banks.Mr Ledford says that TCH's plan is to reach smaller banks through the technology companies that provide their computing systems.Second, it fears that without competition prices will be too high, quality too low and innovation too slow.(The TCH has promised not to discriminate against small banks. It charges sending banks a flat 4.5 cents and receiving ones nothing.)

译文

所以Fed为什么想要建立一个自己的系统呢？首先，它不相信TCH的系统会连接到全国所有的小银行。莱德福特先生表示TCH的计划是通过科技公司自己的电脑系统，与规模更小的银行建立联系。第二，它担心没有了竞争，价格会过高，质量会过低且创新会过慢。（TCH已经承诺不会区别对待小银行。它向拨款银行收取4.5美分的手续费，向收款银行不收费。）

注释

1.chiefly 主要的

He joined the consular service, chiefly because this was one of the few job vacancies.

他到领事馆工作，主要因为那是仅有的几个空缺职位之一。

2.beggars belief难以置信

Still, it beggars belief that such a large trading loss could be concealed for any length of time.

尽管如此，藏匿如此之大的交易损失仍然是一件让人难以置信的事情，不管时间的长短。

3.real-time实时的

The monitoring provides real-time data and analytics.

此监视可提供实时数据和分析。

4.convince备用；候补[qh]

You'll need to convince them of your enthusiasm for the job.

你要使他们相信你殷切希望得到这份工作。

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