外刊精选（二）
Young people and their phones are shaking up banking
Customer rvice is about to get a lot better, says Helen Joyce
“I started the business becau I love milk tea mylf,” says Peng Yuxia. Meet the Cow, her shop in Hangzhou, 200km south-west of Shanghai, lls the cassava-bad hot drink, also known as bubble tea, to pasrs-by—and, increasingly, to customers who pre-order on their phones.
Recently she signed up to a small-business programme run by Ant Financial, China’s biggest fintech firm, which has its headquarters nearby. Now customers can order in advance from within Alipay, Ant’s payment app, and she has en total numbers ri from about 50 a day to nearer 70.
Payment is by scanning a QR (quick-respon) code—so easy, she says, that a mother getting a pedicure next door can nd a child in to order with her phone.吃桂圆上火吗
In another part of Hangzhou, Zeng Ping’en looks around his electric-moped shop with pride. A loan from MYbank, Ant’s digital bank, helped with the cost of redecoration. Applying took just a few minutes, he says: “A click on the phone and I got my money.”
He can draw down and repay funds at his convenience; interest amounts to a few yuan a day—“easily affordable”. Since China’s long-established banks lend mostly to companies, without the MYbank loan he would have had to wheedle loans from his friends. “Electric-moped shops are getting fancier,” he says. “I’d lo out to the competition if I didn’t renovate.”
拍猫Ant’s origins lie in Alipay, t up in 2004 by Alibaba, then a newish e-commerce website, to make online payments easier. As Alibaba grew, its payment arm started to allow person-to-person transfers, and then purchas in bricks-and-mortar outlets.
Alipay was spun off in 2011. Renamed Ant Financial in 2014, it is now one of the world’s biggest financial firms. Its most recent funding round, last year, valued it at $150bn. Alibaba holds a 33% stake.
Together with its main rival, WeChat Pay, which sits within WeChat, the country’s dominant messaging app, Alipay has transformed Chine commerce—and everyday life. They have enabled China to leapfrog straight to mobile payments using QR codes, bypassing credit and debit cards.
All manner of things can be done from within their apps, including buying tickets for flights, train journeys and films, calling a taxi, paying an electricity bill, ordering food and much more.
In the past five years Ant has expanded beyond payments and into other financial rvices. In 2013 it t up Yu’e Bao (“spare treasure”), a single-click, instant-access way to earn interest on excess Alipay balances by parking them in a money-market fund. By March 2018 the fund had 1.7trn yuan ($250bn) in asts, making it the world’s biggest money-market offering by a wide margin.
精读笔记
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Young people and their phones are shaking up banking
简笔画凤凰Customer rvice is about to get a lot better, says Helen Joyce
“I started the business becau I love milk tea mylf,” says Peng Yuxia. Meet the Cow, her shop in Hangzhou, 200km south-west of Shanghai, lls the cassava-bad hot drink, also known as bubble tea, to pasrs-by—and, increasingly, to customers who pre-order on their phones.
年轻人和他们的手机正在撼动银行业
海伦·乔伊斯说，客户服务将会变得更好
彭玉霞说：“我之所以开这家奶茶店是因为我本身就喜欢喝奶茶。”在上海西南方向200公里外的杭州，她开了一家名为 Meet the Cow 的奶茶店，向路过的人们和在手机上预定的顾客（通过这种方式的越来越多）出售一种名为珍珠奶茶的、以木薯为原料制成的热饮。
shake up 彻底调整，重组，改革(组织、机构、行业等)The government wanted to reform the institutions, to shake up the country.政府想要实施机构改革，整顿国家。
shake up用于指人表示“吓坏了”The jockey was shaken up when he was thrown twice from his hor yesterday. 昨天赛马骑师两次从马背上被摔下来,受惊了。
banking [ˈbæŋkɪŋ] n.银行业
【词根词缀】后缀: -ing可以表行业
advertising：adverti做广告+ing行业→n.广告业;广告活动 adj.广告的;广告业务的
banking：bank银行+ing状态物品,行业等→n.银行业
engineering：engineer工程师+ing状态物品,行业等→n.工程[学]
be about to即将；正要She was standing by a pool, about to dive in.她站在水池旁边，正要往里跳。
要好的朋友【类似表达】表示“即将”的短语
around the corner: The Spring Festival is just around the corner. 春节即将来临。
be on the point of: He was on the point of saying something when the phone rang.他正要说话时电话铃响了。
轮回的爱
soon: You'll be hearing from us very soon. 你很快就会收到我们的来信。
狗尾草图片in no time: He predicted that my hair would grow back "in no time". 他预言我的头发“一眨眼”就会长回来。
【长难句分析】Meet the Cow, her shop in Hangzhou, 200km south-west of Shanghai, lls the cassava-bad hot drink, also known as bubble tea, to pasrs-by—and, increasingly, to customers who pre-order on their phones.
*句子主干：Meet the cow lls hot drink to pasrs-by and to customers
>虫子的简笔画>体育运动的英文
