2015考研英语阅读金融技术公司
<p> <span word="Financial">Financial</span>-<span word="technology">technology</span> <span word="firms">firms</span></p><p> 金融技术公司</p><p> <span word="Apps">Apps</span> <span word="at">at</span> <span word="the">the</span> <span word="gate">gate</span></p><p> 应用近在咫尺</p><p> <span word="Tech">Tech</span> <span word="start">start</span>-<span word="ups">ups</span> <span word="promise">promise</span> <span word="to">to</span> <span word="transform">transform</span> <span word="finance">finance</span>, <span word="ifregulators">ifregulators</span> <span word="will">will</span> <span word="let">let</span> <span word="them">them</span></p><p> 如果监管者允许，技术创业公司希望改变金融业</p><p> <span word="Aug">Aug</span> 3<span word="rd">rd</span> 2013 |<span word="From">From</span> <span word="the">the</span> <span word="print">print</span> <span word="edition">edition</span></p><p> <span word="TWO">TWO</span> <span word="millennia">millennia</span> <span word="after">after</span> <span word="the">the</span> <span word="Temple">Temple</span> <span word="was">was</span> <span word="cleansed">cleansed</span> <span word="of">of</span> <span word="money">money</span>-<span word="changers">changers</span>, <span word="the">the</span> <span word="Archbishop">Archbishop</span> <span word="ofCanterbury">ofCanterbury</span>, <span word="Justin">Justin</span> <span word="Welby">Welby</span>, <span word="plans">plans</span> <span word="to">to</span> <span word="open">open</span> <span word="his">his</span> <span word="churches">churches</span> <span word="to">to</span> <span word="moneylenders">moneylenders</span>. <span word="This">This</span> <span word="is">is</span> <span word="nocapitulation">nocapitulation</span> <span word="in">in</span> <span word="the">the</span> <span word="struggle">struggle</span> <span word="between">between</span> <span word="God">God</span> <span word="and">and</span> <span word="Mammon">Mammon</span>. <span word="It">It</span> <span word="is">is</span> <span word="an">an</span> <span word="effort">effort</span> <span word="to">to</span> <span word="compete">compete</span> <span word="out">out</span> <span word="ofexistence">ofexistence</span> <span word="payday">payday</span> <span word="lenders">lenders</span> <span word="that">that</span> <span word="offer">offer</span> <span word="expensive">expensive</span> <span word="loans">loans</span> <span word="by">by</span> <span word="supporting">supporting</span> <span word="not">not</span>-<span word="for">for</span>-<span word="profit">profit</span> <span word="creditunions">creditunions</span>.</p><p> 在寺院与金钱交易撇清关系两千年之后，坎特伯雷大主教<span word="Justin">Justin</span> <span word="Welby">Welby</span>计划开放教堂给放贷者。这不是选择上帝或者贪婪之间的妥协。这是通过支持非盈利信用合作社让高利息贷款失去市场。</p><p> <span word="The">The</span> <span word="archbishop">archbishop</span> <span word="is">is</span> <span word="right">right</span> <span word="that">that</span> <span word="more">more</span> <span word="competition">competition</span> <span word="is">is</span> <span word="needed">needed</span>, <span word="but">but</span> <span word="old">old</span>-<span word="fashioned">fashioned</span> <span word="credit">credit</span> <span word="unionsare">unionsare</span> <span word="unlikely">unlikely</span> <span word="to">to</span> <span word="be">be</span> <span word="able">able</span> <span word="to">to</span> <span word="beat">beat</span> <span word="the">the</span> <span word="slick">slick</span> <span word="systems">systems</span> <span word="and">and</span> <span word="snappy">snappy</span> <span word="service">service</span> <span word="of">of</span> <span word="online">online</span> <span word="providers">providers</span>,<span word="like">like</span> <span word="Wonga">Wonga</span>. <span word="A">A</span> <span word="more">more</span> <span word="effective">effective</span> <span word="way">way</span> <span word="of">of</span> <span word="pushing">pushing</span> <span word="down">down</span> <span word="rates">rates</span> <span word="would">would</span> <span word="be">be</span> <span word="lighter">lighter</span> <span word="regulation">regulation</span> <span word="toallow">toallow</span> <span word="more">more</span> <span word="lenders">lenders</span> <span word="to">to</span> <span word="flourish">flourish</span>.</p><p> 大主教是对的，确实需要加强竞争，而这些老古董银行也不太可能被像<span word="Wonga">Wonga</span>之类的拥有更加灵活的系统和快速的服务的网上金融服务提供商击败。推低利率更有效的方法是放松监管，允许更多放贷者进入市场。</p>
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