2018考研英语阅读题源经济学人文章Newbanks.docVIP

2018考研英语阅读题源经济学人文章：New banks 　New banks 　　新兴银行 　　Ripe for disruption 　　扰乱时机正当时 　　A rush of new entrants hope to shake up banking 　　新兴银行这股狂流欲重组银行业 　　“I PROMISE to open a bank account for a British citizen in just two minutes”, says Nazzim Ishaque brightly. With a background in IT, banking and asset management, he is submitting plans to the regulators to start a new bank called Lintel; the two-minute pledge is one of his selling points. Mr Ishaque reckons that he can do better than the existing banks, and is putting plenty of his own money where his mouth is, as part of the ￡5m ($7.5m) start-up cost. He hopes to start doing business early next year. 　　Nazzim Ishaque明确表示：“我承诺可以两分钟内为英国人民开通银行账户。”他从事过互联网、银行和资产管理行业，现向多家监管机构提交新建银行Lintel的计划方案，卖点之一就是两分钟开户的承诺。Ishaque认为他可以比现有银行做得更好，而且为了更具说服力，拿出自己的大量资金投放到总数500万欧元(750万美元)的启动资金中。他希望明年年初开始营业。 　　Since April 2013 three new British banks have appeared and three outfits have taken over old licences. Martin Stewart, who doles out banking licences at the Prudential Regulation Authority (PRA), part of the Bank of England, says people are now applying to open banks in “unprecedented numbers”. Four applicants are likely to start operating this year, he says, with a further four or so probably coming to market next year. At least as far as the consumer is concerned, banking could be on the verge of quite a shake-up. 　　2013年4月份以来，英国有三家银行成立，三家银行机构收购老牌银行。马克·斯图尔特在英格兰银行分支机构审慎监管局负责颁发银行营业执照，他表示“从未见过”这么多人申请开设银行，说道：有望在今年开始运营的银行有四家，明年能营业的大约有另外四家。至少对于消费者而言，银行业可能面临大幅度重组的境地。 　　Since March 2013 the process to apply for a license has been streamlined. The PRA claims that a new bank can be up and running just six months after final authorisation. The capital requirements for the start-ups are lower than they used to be. And many of the new entrants are acting like classic entrepreneurs. They work out how the existing banks are failing customers, then look for niches, whether in products, customers or technology. All are encouraged by the growing willingnes