贸易战是否会给中国金融科技造成伤害_公共英语阅读理解

贸易战是否会给中国金融科技造成伤害

贸易战是否会给中国金融科技造成伤害1

China's fintech industry includes sectors like digital payments, consumer and small firm lending, online wealth management, and online insurance. The industry caters in large part to lower and middle class consumers that China's government is hoping will purchase more goods to make up for a declining export sector and waning fixed asset investment. The fintech industry, along with China's e-commerce and internet-related industries, is growing at a faster rate than the rest of the economy. Therefore, it is an important source of growth.

许多中国购物者在网上购买外国商品，因为这些商品的质量更好。2017年，中国的在线跨境零售支出估计为1000亿美元，中国的在线跨境销售总额估计为1400亿美元。由于出现额外费用，网上买家和卖家在买卖被列入关税清单的商品时将面临更高的价格，这有可能导致买卖双方的交易额下降，在外国电子零售市场上的电子支付交易减少。Paypal的一项调查发现，从美国购买商品的时候，大多数中国消费者对质量更敏感，对价格却不那么敏感。但这不意味着一旦发现可以从其他渠道购买高质量产品，他们不会转向其他卖家，而这肯定会让高科技产品销售商的利益受损。

Many Chinese shoppers purchase foreign goods online due to their better quality. Chinese cross-border online retail spending was estimated at about $100 billion in 2017, and Chinese cross-border online sales in total were estimated to be $140 billion. Online sellers and shoppers buying or selling goods in the tariff categories will see costs go up as the additional fees are imposed. This is likely to result in reduced sales for both buyers and sellers, and therefore fewer digital payment transactions with regard to foreign e-tail (electronic retailing) markets. While a survey by Paypal found that most Chinese shoppers may be more quality-sensitive and less price-sensitive in buying goods from the US, this doesn't mean they won't look to other sellers if they can purchase quality products elsewhere. It will certainly harm sellers of high-tech products.