增资300亿,蚂蚁消金“花式补血”有用吗?
【导读】
自IPO暂停以来,蚂蚁集团科技金融业务面临全面整改。就在元旦前,蚂蚁集团旗下子公司蚂蚁消金一口气增发220亿元注册资本,坐稳消金行业头把交椅。其中,四大全国性资产管理公司之一的中国信达出资60亿元,成为第二大股东。“国家队”躬身入局,是否意味着蚂蚁集团已度过危机?蚂蚁集团整改,是否意味着我们能放心使用花呗与借呗?
【挖空练习】
Jack Ma's Ant Boosts Consumer-Finance Unit _________$3.5 Billion Fundraising
蚂蚁集团增资35亿美元,推动旗下消费金融业务发展
By Elaine Yu
The _________-finance arm of China's Ant Group Co. is boosting its _________firepower _________a $3.5 billion capital increase, with the _________chunk of _________funding coming from a powerful state-owned institution.
中国蚂蚁集团旗下消费金融子公司将通过增资35亿美元来增强自身金融实力,其中最大一笔外部资金来自一家强大的国有机构。
The share sale will _________quadruple the _________capital of the _________established unit, Chongqing Ant Consumer Finance Co., to 30 billion yuan, the equivalent of $4.7 billion. That will _________the unit to maintain a _________balance sheet, _________it can _________more credit to customers, and marks a step forward in a key part of Ant's revamp.
重庆蚂蚁消费金融有限公司(简称:蚂蚁消金)是蚂蚁集团近期成立的子公司。此次股份出售将使蚂蚁消金的注册资本增至原有资本的四倍,达到300亿元人民币,约合47亿美元。此举将使蚂蚁消金拥有更强大的资产负债表,这意味着该公司可以向客户提供更多信贷,也标志着蚂蚁集团业务重整的关键部分向前迈进了一步。
Ant, a financial-technology company controlled _________billionaire Jack Ma, was forced _________overhaul its business _________Chinese authorities canceled _________initial public offering _________November 2020.
蚂蚁集团是一家由亿万富翁马云控制的金融科技公司,在中国有关部门2020年11月叫停其首次公开募股后,该公司不得不对业务进行全面整改。
__________________the areas _________drew Beijing's ire _________Ant's colossal consumer-lending operation, __________________it originated loans for _________lenders, _________bore most of the credit risk.
蚂蚁集团庞大的消费者贷款业务是引起北京不满的因素之一。该业务引入外部放贷机构发放贷款,而外部放贷机构承担了大部分信贷风险。
China Cinda Asset Management Co., a large state-owned company listed _________Hong Kong, said it would invest 6 billion yuan, the equivalent of $942 million, for a 20% stake _________the business as part of the bigger-capital raising.
中国信达资产管理股份有限公司是一家在香港上市的大型国有企业。它表示,将出资人民币60亿元(约合9.42亿美元)认购蚂蚁消金20%的股权,是蚂蚁更大规模增资的一部分。
Consumer-finance firms _________China need a minimum amount _________registered capital __________________lending. That capital can also help determine the _________a firm can lend, _________on regulatory leverage ratios, and can be used _________a source of funding, alongside bank deposits, wholesale borrowing _________other financial institutions and asset-backed securities.
在中国,消费金融公司需要达到最低注册资本门槛才能放贷。基于监管部门的杠杆率规定,注册资本也可帮助确定一家公司的最大放贷额度。注册资本还可以与银行存款、来自其他金融机构的批发贷款以及资产支持证券一起,充当贷款资金来源。
【答案】
Jack Ma's Ant Boosts Consumer-Finance Unit With $3.5 Billion Fundraising
蚂蚁集团增资35亿美元,推动旗下消费金融业务发展
By Elaine Yu
The consumer-finance arm of China's Ant Group Co. is boosting its financial firepower with a $3.5 billion capital increase, with the biggest chunk of outside funding coming from a powerful state-owned institution.
中国蚂蚁集团旗下消费金融子公司将通过增资35亿美元来增强自身金融实力,其中最大一笔外部资金来自一家强大的国有机构。
The share sale will nearly quadruple the registered capital of the recently established unit, Chongqing Ant Consumer Finance Co., to 30 billion yuan, the equivalent of $4.7 billion. That will allow the unit to maintain a bigger balance sheet, meaning it can advance more credit to customers, and marks a step forward in a key part of Ant's revamp.
重庆蚂蚁消费金融有限公司(简称:蚂蚁消金)是蚂蚁集团近期成立的子公司。此次股份出售将使蚂蚁消金的注册资本增至原有资本的四倍,达到300亿元人民币,约合47亿美元。此举将使蚂蚁消金拥有更强大的资产负债表,这意味着该公司可以向客户提供更多信贷,也标志着蚂蚁集团业务重整的关键部分向前迈进了一步。
Ant, a financial-technology company controlled by billionaire Jack Ma, was forced to overhaul its business after Chinese authorities canceled its initial public offering in November 2020.
蚂蚁集团是一家由亿万富翁马云控制的金融科技公司,在中国有关部门2020年11月叫停其首次公开募股后,该公司不得不对业务进行全面整改。
One of the areas that drew Beijing's ire was Ant's colossal consumer-lending operation, in which it originated loans for outside lenders, who bore most of the credit risk.
蚂蚁集团庞大的消费者贷款业务是引起北京不满的因素之一。该业务引入外部放贷机构发放贷款,而外部放贷机构承担了大部分信贷风险。
China Cinda Asset Management Co., a large state-owned company listed in Hong Kong, said it would invest 6 billion yuan, the equivalent of $942 million, for a 20% stake in the business as part of the bigger-capital raising.
中国信达资产管理股份有限公司是一家在香港上市的大型国有企业。它表示,将出资人民币60亿元(约合9.42亿美元)认购蚂蚁消金20%的股权,是蚂蚁更大规模增资的一部分。
Consumer-finance firms in China need a minimum amount of registered capital to conduct lending. That capital can also help determine the most a firm can lend, based on regulatory leverage ratios, and can be used as a source of funding, alongside bank deposits, wholesale borrowing from other financial institutions and asset-backed securities.
在中国,消费金融公司需要达到最低注册资本门槛才能放贷。基于监管部门的杠杆率规定,注册资本也可帮助确定一家公司的最大放贷额度。注册资本还可以与银行存款、来自其他金融机构的批发贷款以及资产支持证券一起,充当贷款资金来源。
生词好句
1.boost
英 [bu st] 美 [bu st]
v. 推动,使增长(to make something increase, or become better or more successful)
2.fundraising
英 [ f ndre z ] 美 [ f ndre z ]
n. 筹集资金
3.financial firepower
财力
拓展:
firepower
UK / fa pa / US / fa rpa r/
n. (本文)实力;(军队)火力
The country has superior firepower.
这个国家的军队火力更胜一筹。
The company has enormous financial firepower.
这家公司财力雄厚。
4.chunk
英 [t k] 美 [t k]
n. (非正式)一大部分(a part of something, especially a large part);大块(a large thick piece of something)
拓展:
a chunk of meat 一大块儿肉
a chunk of text 一大段文字
a substantial chunk of our profits 我们利润的很大一部分
5.quadruple
英 [kw dru pl] 美 [kwɑ dru pl]
v. (增加至原有的)四倍,翻两番
拓展:
China seeks to quadruple its income in twenty years.
中国力求在20年内将其收入翻两番。
6.equivalent
英 [ kw v l nt] 美 [ kw v l nt]
n. (数量、价值等)同等价值;adj. 等同的
拓展:
A is equivalent to B
A mile is equivalent to about 1.6 kilometers.
1英里约合1.6公里。
Baidu is China's equivalent of Google.
百度是中国的Google。
7.balance sheet
资产负债表
拓展:
资产负债表反映企业在某个日期的财务状况,是主要反映企业资产、负债和权益状况的会计报表。对于从事借贷业务的金融机构来说,它放出去的每一笔贷款都需要记录在资产负债表上。
8.advance
英 [ d vɑ ns] 美 [ d v ns]
v. 促进,增加(to accelerate the growth or progress of something)
9.mark a step forward
向前迈进了一步
拓展:
mark a step forward in something
在某事上向前迈进了一步
Today marks a huge step forward in the our fight against coronavirus.
今天标志着我们抗击新冠病毒向前迈进了一大步。
mark a step forward for something
对某事而言向前迈进了一步
The victory marks a major step forward for our team.
对我们团队来说,这次获胜是向前迈进的重要一步。
10.revamp
英 [ ri v mp] 美 [ ri v mp]
n. 整改;v. 修改,翻新,改进(to change or arrange something again, in order to improve it)
拓展:
revamp the financial system 改革金融体制
revamp its image 翻新它的形象
11.overhaul
英 [ v h l] 美 [ o v r h l]
v. 彻底检修,改造,改进;n. 彻底检修,改造,改进(an examination of a machine or system, including doing repairs on it or making changes to it)
拓展:
a complete overhaul 一次彻底的检修
overhaul the healthcare system 彻底改革医疗系统
12.initial public offering
首次公开募股,上市(简称IPO)
13.draw one's ire
引起某人不满
拓展:
ire
UK / a / US / a r/
n. 愤怒
词义辨析:ire & anger
两者都有愤怒的意思,但ire 比anger要更正式和书面化。
arouse/raise/provoke the ire of somebody
激起某人的怒火
The TV show raised the ire of some audience.
这个电视节目激起了部分观众的愤怒。
14.colossal
英 [k l sl] 美 [k lɑ sl]
adj. 巨大的(extremely large)
15.originate
英 [ r d ne t] 美 [ r d ne t]
vt. 产生,开创(to create something new);vi. 起源,产生(to come from a particular place, time, situation, etc.)
拓展:
The disease originated in Africa.
这种疾病起源于非洲。
16.list
英 [l st] 美 [l st]
v. 上市
拓展:
listed in somewhere
在......上市
17.invest something for something
投资……来换取……
18.leverage ratio
杠杆率