Day 1:Words & Phrases

１.Shake up

a situation in which a lot of changes are made to a company, an organization, etc. in order to improve the way in which it works (機構(gòu)的)重大調(diào)整,重組

? a management shake-up 管理層的大調(diào)整
? The government wanted to reform the institutions, to shake up the country.政府想要實施機構(gòu)改革，整頓國家。

2.Predetermined

If you say that something is predetermined, you mean that its form or nature was decided by previous events or by people rather than by chance. 預(yù)定的；預(yù)先確定的；預(yù)先決定的

? The Prince's destiny was predetermined from the moment of his birth...
從出生的那一刻起，王子的命運就已經(jīng)被預(yù)先決定了。

? The capsules can be made to release the pesticides at a predetermined time. 可以使這些膠囊在預(yù)定的時間釋放殺蟲劑。

3.overdrawn

having taken more money out of your bank account than you have in it
已透支；有透支:

? The account was overdrawn.該帳戶已透支。
? Nick's bank sent him a letter saying he was ￡100 overdrawn.銀行致函尼克，稱他透支了100英鎊。

4. Dire

very serious 極其嚴(yán)重的；危急的

? Such action may have dire consequences. 這種行為可能產(chǎn)生嚴(yán)重后果。
? dire warnings / threats 嚴(yán)重的警告/威脅

5.Unscathed

without injuries or damage being caused 未受傷的，無恙的

? Her husband died in the accident but she, amazingly, escaped unscathed.她丈夫在那次事故中喪命，但她竟奇跡地毫發(fā)未損。
? Tony emerged unscathed apart from a severely bruised finger.托尼除了一根手指嚴(yán)重淤青外沒有受到其他傷害。

6.Incumbent

a person who has an official position 在職者；現(xiàn)任者

? the present incumbent of the White House 現(xiàn)任美國總統(tǒng)
? In general, incumbents have a 94 per cent chance of being reelected.
通常現(xiàn)任官員有 94% 的幾率會再次當(dāng)選。

7.Resilient

able to feel better quickly after sth unpleasant such as shock, injury, etc. 可迅速恢復(fù)的；有適應(yīng)力的

? He'll get over it—young people are amazingly resilient.
他會克服這些的——年輕人的適應(yīng)力驚人。
? When the U.S. stock market collapsed in October 1987, the Japanese stock market was the most resilient.
1987年10月美國股市崩盤后，日本股市是反彈最快的。

8.Cumbersome

復(fù)雜而低效的 A cumbersome system or process is very complicated and inefficient.

? The proposed regulations are ill-defined and cumbersome and could be unnecessarily costly.
提議的規(guī)章制度闡述不清、復(fù)雜低效，而且可能會帶來不必要的過高花費。
? an old and cumbersome computer system.過時而且低效的計算機系統(tǒng)

9.Kick-start

To kick-start a process that has stopped working or progressing is to take a course of action that will quickly start it going again. 使快速重新啟動;使…重新開始

? The President has chosen to kick-start the economy by slashing interest rates.
總統(tǒng)選擇通過大幅降低利率來重新拉動經(jīng)濟增長。
? Taxes were drastically cut in an attempt to kick-start the economy.大幅減稅以刺激經(jīng)濟增長。

10. Tightened up

If a group, team, or organization tightens up, they make an effort to control what they are doing more closely, in order to become more efficient and successful. 加緊工作;加強管理;嚴(yán)格要求

? I want us to be a bit more sensible this time and tighten up.
我要求我們這次要更加理智、更加嚴(yán)格要求自己。

11. Rock-bottom

the lowest point or level that is possible最低點；最低水平

? Prices hit rock bottom. 價格降到了最低點。
? The marriage had reached rock bottom. 婚姻已經(jīng)走到了盡頭。

12.Resistance

dislike of or opposition to a plan, an idea, etc.; refusal to obey反對；抵制；抗拒:

? As with all new ideas it met with resistance.
和所有的新觀念一樣,它受到了抵制。
? There has been a lot of resistance to this new law.
這項新的法規(guī)已經(jīng)遇到很多的抵制。

13.Manifest

to show something clearly, through signs or actions 顯示；表現(xiàn)；表明

? The workers chose to manifest their dissatisfaction in a series of strikes.工人決定藉一連串罷工來表達他們的不滿。
? Lack of confidence in the company manifested itself in a fall in the share price.人們對公司缺乏信心，股價下跌正好顯示此情況。

14.Insure

to buy insurance so that you will receive money if your property, car, etc. gets damaged or stolen, or if you get ill / sick or die 投保；給…保險:

? Luckily he had insured himself against long-term illness.
幸運的是,他為自己投保了長期病險。
? Having a lot of children is a way of insuring themselves against loneliness in old age.
養(yǎng)很多孩子是他們預(yù)防老年孤寂的一種辦法。

15.Water down

If something such as a proposal, speech, or statement is watered down, it is made much weaker and less forceful, or less likely to make people angry. 使(提議、演講、聲明等)語氣緩和;使打折扣;削弱

? Proposed legislation affecting women has been watered down.
影響女性的立法提案的措詞已經(jīng)緩和一些了。

16.Interpret

to decide that sth has a particular meaning and to understand it in this way 把…理解為；領(lǐng)會:

? I didn't know whether to interpret her silence as acceptance or refusal.
我不知該把她的沉默看作是接受還是拒絕。
? The data can be interpreted in many different ways.
這份資料可以從多方面解讀。

17.Subjective

based on your own ideas or opinions rather than facts and therefore sometimes unfair 主觀的(非客觀的)

? a highly subjective point of view 非常主觀的看法
? Everyone's opinion is bound to be subjective.
每個人的意見都必定是主觀的。

18.Arm

a section of a large organization that deals with one particular activity 分部；職能部門

? the research arm of the company 公司的科研部門
? Millicom Holdings is the British arm of an American company.
米雷康姆控股有限公司是一家美國公司在英國的分支機構(gòu)。

19.Interact

to communicate with sb, especially while you work, play or spend time with them 交流；溝通；合作

? Teachers have a limited amount of time to interact with each child.
教師和每個孩子溝通的時間有限。
? While the other children interacted and played together, Ted ignored them.
當(dāng)別的孩子相互交流、一起玩耍的時候,泰德對他們不予理睬。

20.Mount

to organize and begin an activity or event 組織；發(fā)動；開展；舉行

? to mount an attack/campaign/challenge/protest發(fā)動進攻／開展運動／提出挑戰(zhàn)／發(fā)起抗議
? to mount an exhibition/display舉辦展覽。

21.Remarkably

used for emphasizing how surprising or unusual something is 非凡；奇異；引人注目

? It is a remarkably noisy and crowded city.這是座非常嘈雜擁擠的城市
? Remarkably, she wasn't hurt in the crash.不可思議的是，她在撞車事故中竟然沒有受傷。

22.Handy

useful or convenient 有用的；方便的；便利的

? First-time visitors to France will find this guide particularly handy.初次來法國的游覽者會發(fā)現(xiàn)這本旅游指南很有用。
? It's a nice house and it's handy for (= near) the station.這座房子很漂亮，離車站也很近。

23.Robust

強健的;健壯的;堅固的;結(jié)實的 Someone or something that is robust is very strong or healthy.

? He looks robust and healthy enough.他看起來非常強壯健康。
? a robust economy蓬勃發(fā)展的經(jīng)濟

24.Team up

to join another person, or form a group with other people, in order to do something together 結(jié)成一隊；合作

? They teamed up for a charity performance.他們集合起來，舉行了一場義演。

25.Conspicuous

easy to see or notice; likely to attract attention易見的；明顯的；惹人注意的:

? Mary's red hair always made her conspicuous at school.
瑪麗的紅頭發(fā)在學(xué)校里總是很惹眼。
? The event was a conspicuous success (= a very great one).
這項活動至為成功。

26.Consent

permission to do sth, especially given by sb in authority 同意；準(zhǔn)許；允許:

? Children under 16 cannot give consent to medical treatment.
16 歲以下的兒童不得自行同意接受治療。
? The written consent of a parent is required.
要求有家長的書面同意。

27.Conduct

to organize and / or do a particular activity
? 組織；安排；實施；執(zhí)行

? to conduct an experiment / an inquiry / a survey
進行實驗/詢問/調(diào)查
? The negotiations have been conducted in a positive manner.
已積極進行過談判。

28.A host of

A host of things is a lot of them.大量;許多

? Today we have radios, TVs, and a whole host of gadgets powered by electricity.
今天我們有收音機、電視機和一大堆小型電器。

29.To date

up to the present moment 迄今為止；到目前為止；直到現(xiàn)在

? To date, we have received over 200 replies.
到目前為止,我們已收到 200 多封回信。
? The exhibition contains some of his best work to date.
這個展覽有他迄今為止一些最好的作品。

30.Fintech

Financial technology 金融科技

31.Retail-banking

小額銀行業(yè)務(wù)

32.Physical payment

線下支付

33.Low-value payment

小額支付

34. A person who has recently joined a profession, university, etc.

新職員；新生；新會員；新成員

? new entrants to the school/company學(xué)校新生／公司新職員

延伸：

1、Millions of people make formal complaints each year about their banks.

這里注意的是和complaints搭配的是make。另外如果是自己翻肯定會只想到complain，但這里作者是用抱怨的名詞加搭配來完成。在翻譯時除了想到簡單的動詞還要多想一層其名詞的搭配來豐富句型。

2、For them, Sebastian Siemiat-kowski, founder of Klarna, a Swedish pay-ments startup, brings good news.

比起自己偏向用的who,which從句，這里作者用幾個逗號分隔，將定語作為插入語，使句子變得簡潔易懂。學(xué)會運用標(biāo)點符號也會讓文章句型更簡潔清晰。

3、But their reach is more limited elsewhere in Europe.

指業(yè)務(wù)范圍涉及用的是reach這個動詞，more是形容詞，表示更多的。Elsewhere in Europe表示在歐洲的其他地方。
e.g. They were living rather well, in comparison with people elsewhere in the world.
和世界上其他地方的人相比，他們生活得相當(dāng)好。

4、Banks, on the other hand, have easy access to transaction data, which they can use to sell their customers other services.

另一方面用on the other hand，在表述兩個對象不同情況時會經(jīng)常用到的短語。
Access的基本義是指通道，通路。這里have easy access to中的access表示(使用或見到的)機會,權(quán)利?？蓱?yīng)用于很多題材,屬于要記住并會運用的重點詞。
e.g. Journalists were denied access to the President.
記者被擋住,無法見到總統(tǒng)。
e.g. You need a password to get access to the computer system.
使用這個計算機系統(tǒng)需要口令。
e.g. Students must have access to good resources.
學(xué)生必須有機會使用好的信息資源。

5、Provided the customer has given explicit consent, banks will be forced to share customer-account information with licensed ?nancial-ser-vices providers.

這里的Provided表示如果，假如，只要，相當(dāng)于if， 但感覺更高大，要學(xué)起來。
e.g. Provided that you have the money in your account, you can withdraw up to ￡100 a day. 只要賬戶存款足夠,每天可提取不超過 100 英鎊。
還有個與Provided用法相似的詞是Given, 表示考慮到，鑒于，相當(dāng)于considering。
e.g. I am sensible with money, as I have to be, given that I don't earn that much.
考慮到自己掙得不多，我比較精打細算，這也是迫不得已。

6、Those with limited credit his-tories may ?nd it easier to borrow, too, since richer transaction data should mean more sophisticated credit checks.

這里要注意的是自己的習(xí)慣總是把Since放在前面作原因狀語。而像本文中是先指出情況，再說明情況的原因。從中學(xué)會將Since原因狀語順序調(diào)換，豐富句型。

Day 2:Translation

1. New European payments regulation has the potential to shake up the banks.

篤師翻：新出臺的歐洲支付法規(guī)有可能會給銀行業(yè)帶來巨大沖擊。
自翻：歐洲新的支付法規(guī)帶來銀行重大調(diào)整的機遇。
知識點：Shake up 一般指帶來重大改變,Gambition is shaking up the way we study/Technology is shaking up every industry that we can conceive of.
(建議轉(zhuǎn)化為active儲備)

差別在于：定語一般要放在名詞前面，shake up翻為巨大沖擊

2. European rules will open the door to a host of innovative services that analyze transactions.

篤師翻：歐洲法規(guī)將給交易分析相關(guān)的創(chuàng)新服務(wù)帶來更多機遇。
自翻：歐洲法規(guī)將歡迎提供分析交易的創(chuàng)新的服務(wù)商。
知識點：to give someone new opportunities (sometimes + for ) The success of that film opened new doors for him. (sometimes + to ) Early results show that the new system would open doors to disadvantaged people.

差別在于：open the door翻為帶來更多機遇

3. Customers need barely ever interact with their bank.

篤師翻：客戶幾乎都不需要通過銀行。
自翻：客戶甚至都不用和他們的銀行打交道。
知識點：interact表示互動，注意意譯

4. European retail banking has been remarkably unscathed by technology-driven disruption.

篤師翻：技術(shù)帶來的變革對歐洲零售銀行業(yè)產(chǎn)生的影響微乎其微。
自翻：歐洲零售銀行在受到科技沖擊下不可思議下的毫發(fā)無損。
知識點：disruption真的是時下太過火爆的熱詞，比較普遍的譯法是：顛覆。

5. Fintech companies are beginning to mount a challenge, most conspicuously in the online-payments industry in northern Europe. But their reach is more limited elsewhere in Europe.

篤師翻：互聯(lián)網(wǎng)金融公司已經(jīng)開始發(fā)起挑戰(zhàn)，尤其是在北歐線上支付領(lǐng)域。但對歐洲其他地區(qū)的影響則要小得多。
自翻：互聯(lián)網(wǎng)金融科技公司開始發(fā)起挑戰(zhàn)，最吸人眼球的是在北歐的在線支付行業(yè)，不過他們的業(yè)務(wù)范圍更多局限在歐洲。
知識點：mount a challenge表示不解，記住這個常見搭配，表達的意思就是發(fā)起挑戰(zhàn)，構(gòu)成威脅。reach,用作名詞時候和influence一個意思,用來表達影響的范圍

6. Regulators, however, are about to transform the landscape.

篤師翻：然而，監(jiān)管部門即將改變這一現(xiàn)狀。
自翻：但監(jiān)管機構(gòu)打算改變這種形勢。
知識點：landscape原意是風(fēng)景，景色，地貌，此處也是暗喻的用法，衍生為局面，局勢。所以哦，衍生意思和原意都有一定聯(lián)系，大家稍加聯(lián)想，便不難理解哦。這種用法非常非常普遍，建議內(nèi)化。Recent electoral shocks have shaken the European political landscape.最近的選舉風(fēng)波震動了歐洲政壇。

7. Banks’ lockhold on payments serves as a handy source of income.

篤師翻：牢牢把控支付領(lǐng)域使得銀行輕而易舉就能賺錢。
自翻：支付服務(wù)作為一項便利的收入來源被銀行牢牢掌控
知識點：Lockhold難住了很多同學(xué)，這種用法很少見，大家作為被動詞匯即可。 lock鎖住， hold緊握，加在一起就是牢牢把控的意思，同樣需要大家聯(lián)想體會哦。倒是后面的handy這一形容詞值得重視，表示就在手邊，方便容易，唾手可得，聯(lián)想它的原形hand好好體會一下。Eg. Always keep a first-aid kit handy.跟前要常備急救箱/handy little tool好用小工具

8. Resistance is manifested as a concern about data protection. Such concerns are legitimate but also, argue fintech supporters, offer a convenient excuse for banks to block competition.

篤師翻：抗拒源自對數(shù)據(jù)保護的擔(dān)憂，這是合情合理的。但互聯(lián)網(wǎng)金融的支持者們認(rèn)為，這也是銀行抵制競爭的絕佳借口。
自翻：抵制表現(xiàn)為對數(shù)據(jù)保護的憂慮，這些憂慮是合法的，同時（據(jù)金融科技的擁護者辯稱）也為銀行提供了了一個阻斷競爭的借口

9. Yet for all their complaints, customers still trust banks with their money.

篤師翻：盡管客戶怨聲載道，但他們依然更信任把錢放在銀行。
自翻：盡管有著種種抱怨，顧客們依然將自己的錢托付給銀行。
知識點：For all 表示盡管，雖然，等于despite. Eg. For all its clarity of style, the book is not easy to read.

Phrases

become overdrawn: 透支

nudge them to save more：鼓勵他們增加儲蓄，nudge有沒有很眼熟？

have easy access to: 便于……

kick-start competition: 引發(fā)競爭

give explicit consent：明確同意

one-click bank transfer: 一鍵轉(zhuǎn)帳

low-value payments: 小額支付

tighten up security: 加強安全

guide them toward: 引導(dǎo)他們…

rich data: 豐富的數(shù)據(jù)

leave them in a weaker position: 使他們處于不利地位

robust data-protection system: 強大的數(shù)據(jù)保護系統(tǒng)

insured against losses from fraud: 投保以防欺詐造成的損失

perfect on paper: 理論完美！暗示實際操作起來可能困難重重。

team up with: 與….合作

exploit newcomers’ technology: 利用后來者的技術(shù)

Logic Lines

邏輯導(dǎo)圖加文章總結(jié)：

文章總結(jié)可見導(dǎo)圖，感覺自己的導(dǎo)圖完全按總結(jié)做了－ －

Day 3: 總結(jié)反思

第二篇文章閱讀經(jīng)驗總結(jié)：

感覺這次的文章比第一篇要難些，可能是涉及到一些金融方面導(dǎo)致在領(lǐng)會句意時不太到位，看翻譯這次也和篤師翻的差異較大。果然還是要在平時多涉獵些報刊，了解些不同知識

閱讀有感：

比起上次亞馬遜總主題是亞馬遜好棒棒，輔以對亞馬遜潛在問題的介紹。這篇文章要更難些，因為要描述的對象有三個，分別是互聯(lián)網(wǎng)金融公司，銀行和PSD2法規(guī)。在整篇文章中要做到介紹每一項到位又不使其脫離其他概念，文章結(jié)構(gòu)做得很巧妙，要多學(xué)習(xí)。