AI, 5G, cloud computing and other digital technologies are not only changing our lives but shaping the economy as well.
人工智能、第五代移動通信技術(shù)、云計算等數(shù)字技術(shù)不僅改變著我們的生活，也正在重塑經(jīng)濟。

China’s six major commercial banks are stepping up digital wallet efforts to provide new impetus for the e-CNY trials in the country, as reported by Shanghai Securities News on March 23.
據(jù)《上海證券報》3月23日報道，六大國有銀行已經(jīng)開始推廣數(shù)字人民幣貨幣錢包，數(shù)字人民幣測試進程正在提速。

“The functions and properties of the e-CNY are exactly the same as those of the paper currency, except that the form is digital,” said Mu Changchun, head of the People’s Bank of China’s Digital Currency Research Institute.
“數(shù)字貨幣的功能和屬性跟紙鈔完全一樣，只不過它的形態(tài)是數(shù)字化的。”中國人民銀行數(shù)字貨幣研究所所長穆長春表示。

Many people are puzzled by e-CNY and electronic payments. “Digital currency has the characteristics of both paper money and electronic payment,” said Wu Qianhong, a professor at the School of Electronic and Information Engineering, Beihang University. “In theory, digital currency can replace paper money, Alipay and WeChat payments.”
很多人難以區(qū)分數(shù)字人民幣和電子支付。“數(shù)字貨幣同時具有紙幣和電子支付的特點”，北京航空航天大學(xué)電子信息工程學(xué)院教授伍前紅表示，“理論上，數(shù)字貨幣可以取代紙幣、支付寶和微信支付?！?/span>

Compared with Alipay and WeChat payments, e-CNY features anonymity and security. E-commerce platforms that accept payments via e-CNY will not have access to users’ personal information. E-CNY users can open an anonymous digital wallet by registering a mobile phone number, and telecom operators cannot disclose customer information to the central bank or any third-party institutions. Mu said that e-CNY users’ privacy protection is at the highest level among all the existing payment tools.
與支付寶和微信支付相比，數(shù)字人民幣具有匿名性和安全性。接受數(shù)字人民幣支付的電子商務(wù)平臺將無法獲取用戶的個人信息。數(shù)字人民幣用戶可通過手機號注冊開通匿名數(shù)字錢包，且電信運營商不能向央行或任何第三方機構(gòu)披露客戶信息。穆長春表示，數(shù)字人民幣對用戶隱私的保護，在現(xiàn)行支付工具中是等級最高的。

Similar to Alipay and WeChat payments, using e-CNY requires an account. After obtaining the other party’s account number, users can enter the amount of digital money to be transferred and then enter the payment password to complete the transaction. However, the processes behind these transfers are different. For electronic payments, the transfer has to go through a third party, and the receivers will get the transferred money only when they withdraw money from banks. But e-CNY transfers only need a payer and a receiver to complete a transaction. Therefore, it guarantees risk-free payments, according to Wu.
與支付寶、微信支付類似，使用數(shù)字人民幣需要一個賬戶。用戶獲得對方的帳號后，可以輸入要轉(zhuǎn)賬的數(shù)字貨幣金額，然后輸入支付密碼，完成交易。然而，這一轉(zhuǎn)賬操作背后的過程卻有所不同。對于電子支付來說，轉(zhuǎn)賬必須經(jīng)過第三方，收款人只有從銀行提現(xiàn)才能得到轉(zhuǎn)賬款項。但是數(shù)字人民幣轉(zhuǎn)賬只需要一個付款方和一個收款方就能完成交易。因此，伍前紅表示，數(shù)字人民幣不存在兌付的信用風(fēng)險問題。

In simple terms, e-CNY can be considered “money”, while electronic payments are like “wallets”. “Since Alipay and WeChat Pay are payment channels, they can use e-CNY for payment after upgrading,” said Wu.
簡單來說，數(shù)字人民幣可以理解為“錢”，而電子支付就像“錢包”?！耙驗橹Ц秾毢臀⑿胖Ц抖际侵Ц肚?，它們升級后也可以支付數(shù)字貨幣，” 伍前紅說道。

“The promotion of e-CNY is a gradual and inclusive process”, Cheng Shi, the chief economist and managing director of Industrial and Commercial Bank of China International, wrote in an article for China Daily.
工銀國際首席經(jīng)濟學(xué)家、董事總經(jīng)理程實在為《中國日報》撰文寫道:“數(shù)字人民幣的推廣過程呈現(xiàn)出循序漸進、兼容并包的特征?！?/span>

以上文章內(nèi)容選自《21世紀學(xué)生英文報高中版》，詳情請見《21世紀學(xué)生英文報高中版》高三747期