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> 行业英语 > 金融英语 > 金融时报原文阅读 >  第460篇

谷歌全面封杀小额高息贷款广告

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2020年08月29日

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谷歌全面封杀小额高息贷款广告

正当美国监管部门对“发薪日高利贷”展开打击之际,谷歌也将禁止这一行业在该公司的平台上发布广告。虽然激起发薪日贷款行业的不满和抗议,但许多消费者组织为谷歌“按赞”。

测试中可能遇到的词汇和知识:

payday lender 发薪日贷款

vigilance 警戒,警觉['vɪdʒɪl(ə)ns]

mortgage 房屋抵押贷款['mɔːgɪdʒ]

discriminatory 歧视的[dɪ,skrɪmɪ'neɪt(ə)rɪ]

censorship 审查制度['sensəʃɪp]

hazardous 冒险的;碰运气的['hæzədəs]

phishing 网络钓鱼;网络欺诈['fɪʃɪŋ]

explosive 爆炸物[ɪk'splosɪv]

阅读马上开始,建议您计算一下阅读整篇文章所用的时间,对照下方的参考值就可以评估出您的英文阅读水平。

如果您读完全文用时为: 那么,您的阅读速度相当于 每分钟阅读的英文单词数

4分45秒 母语为英语者的朗读速度 140

2分20秒 母语为英语的中学生的阅读速度 250

1分6秒 母语为英语的大学生的阅读速度 350

0分5秒 母语为英语的速读高手 1000

Google bans payday lender advertising (652words)

By Hannah Kuchler in San Francisco and Ben McLannahan in New York

-----------------------------------------------------

Google has taken a stand against payday lenders, imposing a blanket ban across its ad systems to shield users from “deceptive or harmful” financial products.

Google said that from mid-July, it would no longer accept ads for loans where repayment is due within 60 days of the date of the issue.

The technology company also said that in the US, it would take the additional step of banning ads for loans with an annual percentage rate of 36 per cent or higher.

David Graff, Google’s director of global product policy, said ads for financial services are a “particular area of vigilance” given they are central to “people’s livelihood and well being”.

He said the decision would not affect other financial products such as mortgages or credit cards. The payday loans will still be shown in search results.

Google dominates the global digital advertising market, receiving a third of the $159bn in revenues in 2015, according to data from research firm eMarketer. Facebook, second with 11 per cent of the worldwide market, has already banned advertisements of payday loans or paycheck advances, making it harder for such loans to reach large online audiences.

The Community Financial Services Association of America, a payday lending trade group, attacked Google’s move.

“These policies are discriminatory and a form of censorship. The internet is meant to express the free flow of ideas and enhance commerce. Google is making a blanket assessment about the payday lending industry rather than discerning the good actors from the bad actors,” it said.

Payday loans are often advertised as a means to cover an unexpected outlay such as a medical bill or a broken boiler. But most Americans take them to cover ordinary living expenses.

According to a study by Pew Charitable Trust, 69 per cent of those interviewed used their first payday loan to cover utilities, credit card payments, rent or food.

Consumer advocacy groups argue that for many people, that first step can be hazardous — especially if their funds fall short on a designated repayment date.

Most payday lenders require access to the borrower’s bank account to make direct debits; if the money is not there, charges can run into the hundreds of dollars, forcing borrowers to apply for more expensive cash elsewhere.

Google already has bans on advertising of tobacco, recreational drugs, guns, ammunition, explosives and dangerous knives on its site.

Mr Graff said Google took down 780m ads in 2015 for everything from counterfeiting to phishing, where a hacker tries to elicit a user to click on a link to steal his or her personal information.

请根据你所读到的文章内容,完成以下自测题目:

1. When will the ban of payday lender advertising begin?

A. June

B. May

C. July

D. not decided

2. Which one of the following is wrong for the ban?

A. The decision will affect all financial products.

B. The payday loans will still be shown in search results.

C. The ban is for loans where repayment is due within 60 days of the date of the issue.

D. The ban is for loans with an annual percentage rate of 36 per cent or higher.

3. Which company has already banned advertisements of payday loans before Google?

A. Facebook

B. Twitter

C. WhatsApp

D. Yahoo

4. How to use payday loans for most Americans in real life?

A. medical bills

B. broken boilers

C. ordinary living expenses

D. dangerous knives

[1] 答案 C. July

解释:谷歌表示,从7月中旬开始,该公司将禁止发薪日贷款及其相关产品在其平台上投放广告。

[2] 答案 A. The decision will affect all financial products.

解释:这个禁令并不会影响到其他金融产品的广告,例如信用卡和抵押贷款。

[3] 答案 A. Facebook

解释:Facebook已于去年8月正式封杀了此类广告。

[4] 答案 C. ordinary living expenses

解释:发薪日贷款在广告宣传中是用于如医疗案件等意外的开销,但现实生活中大部分美国人都用作房租、食物等日常开销。


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