谷歌将全面封杀搜索页面高利贷广告

The website of Google said last Wednesday that ithas banned ads for these "deceptive or harmfulfinancial products" because they "can result inunaffordable payment and high default rates forusers."

上周三，谷歌官网宣称，已经禁止那些“具有欺诈性质和有害金融产品的”广告，因为这些广告“可能会给用户带来无力支付的账单和高违约率。”

The global policy change to its AdWords programwill start on July 13, according to a statement fromGoogle (GOOG).

根据谷歌公司的这份声明表示，竞价广告的全球政策变动将会于7月13日正式生效。

"We will no longer allow ads for loans where repayment is due within 60 days of the date ofissue. In the U.S., we are also banning ads for loans with an APR of 36% or higher. Ads forfinancial services are a particular area of vigilance given how core they are to people'slivelihood and well being," the statement said.

该声明还指出：“我们不再允许还款日少于60日的借贷广告出现在我们的网站上。在美国，我们也禁止年利率大于等于36%的借贷广告。金融服务是一个特别需要警惕的行业，因为它们对人们的生活和幸福有非常大的影响。”

The ban won't affect companies that offer mortgages, car loans, student loans, commercialloans or credit card ads.

这项禁令不会影响到那些提供抵押贷款、车贷、学生贷款、商业贷款以及信用卡业务的公司的广告。

Each year nearly twelve million Americans use payday loans. These borrowers are typicallystruggling financially and rely on the loans for quick money.

每年都有大约一千两百万美国人借高利贷。这些人通常经济状况不好，靠借贷弄到快钱来度日。

However, the U.S. Consumer Financial Protection Bureau has said the loans are "debt traps."They usually have interest rates of over 100%, and borrowers must often take out additionalloans to pay off the original because of the short repayment window.

但是，美国消费者金融保护局声称这些贷款是“债务陷阱”。通常它们的利率超过100%，并且偿还期限很短，贷款人们必须去借新的钱来还旧债。

In 2015, Google disabled over 780 million ads.

2015年，谷歌共屏蔽了超过7.8亿条广告。

While the decision to ban payday loans is apparently voluntary, Google is often asked toremove questionable ads and content by various international governments. Google isactually one of the world's biggest Internet censors.

尽管谷歌显然是自发封杀高利贷广告的，但是它也经常被各国政府要求移除有问题的广告和内容。实际上，谷歌是世界上规模最大的互联网审查者之一。