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小 发表于 2006-12-5 20:25 只看该作者
Foreign Banks expand ATM networks in China
Foreign Banks expand ATM networks in China BEIJING, Dec. 5 -- A host of（许多） foreign banks are preparing to establish or expand their automatic teller machine (ATM) networks to tap into（接近） the huge opportunities offered by the opening of China's banking sector. 北京，12月5曰－由于满足中国银行业的开放所提供的巨大机遇，许多外国银行正在准备建立和扩展它们的自动取款网络。
U.S. financial giant Citibank plans to increase the number of its ATMs on the Chinese mainland to 85 by the end of this year. 美国金融巨人花旗银行正准备在年底把在中国大陆的自动取款机增加到85台。
As part of its expansion, Citibank has teamed up with 7-Eleven licensee Guangdong Saiyi Convenience Stores Ltd. to install ATMs in selected 7-Eleven stores across southern China.Since the cooperation deal was signed in early October, Citibank has opened a further 15 ATMs, bringing its total to 70. 作为扩张的一部分，花旗银行在挑选后联合了获得许可的广东Saiyi 机械设备公司来安装它们的ATM机。自从在10月初签订合作协议以来，花旗银行已经开放了另外15台设备，总共现在有70台ATM机。
Meanwhile, HSBC has added a further 20 ATMs to its China network, giving it a total of 56 in 13 major cities by October, with many of these located in five-star hotels, airports and major shopping centres. 同时，香港汇生银行也在中国网络增加了20台ATM机，到10月份共在全国13个主要城市拥有56台ATM机，这些自动取款机大多坐落了五星级酒店，机场和大型购物中心。
"The bank is talking with（说服） more merchants and hotels to expand its ATM network, and more facilities are expected to open soon," said the bank. 来自银行系统的消息，银行正说服更多的商人和酒店开展自动取款业务，希望更多的设备很快就会开放。
Standard Chartered Bank, which currently has no ATMs in China, is planning to start building an ATM network. "We are going to set up at least 20 ATMs in major cities in the next few months," said Katherine Tsang, the lender's China CEO. 目前进入中国而又没有自动取款机的Standard Chartered Bank也在计划着开始建设自己的自动取款网络。‘我们将在接下去的几个月时间里在中国的主要城市建立至少20台自动取款’该银行的中国区执行总裁表示.
Foreign banks are investing in their ATM networks with an eye on future business prospects. 国外银行投资它们的ATM业务网络主要是着眼于未来商业前景。
At present, only the banks' foreign cardholders can use the facilities, while local customers are unable to get access. This means that ATMs operated by foreign banks in China have so far been unprofitable.当前，只有外国银行卡的持有者才能使用这些网络设备，但是当地的消费者却没有权限使用。这就意味着这些自动取款机在目前是无利可图的。
According to an official from Hang Seng Bank, the monthly business volume of the ATM at its Shanghai subbranch is about 1.5 million yuan (189,000 U.S. dollars), while the bank's monthly income from it is a paltry several thousand yuan. The average monthly operating cost for an ATM is around 500,000 yuan (63,000 dollars)根据香港恒生银行的官员表示，现在在上海分支的ATM月交易量大约在1，500，000元人民币（189，000美元），但是银行能赚取却只有区区的几千元，因为一台ATM一个月平均要开销大约500，000元。
"The business will be much better when local customers can use our ATMs after China fully opens its retail banking sector from Dec. 11," explained Lee Ah-Boon, country business manager for Citibank China. ‘但是从12月11曰开始，中国的零售银行系统将全部开放，到时本地的消费者就可以使用我们的ATM机，那样的话情况就会好很多。’花旗银行的商业管理人员解释说。
Under the new regulations on foreign banks, which will take effect next Monday, those who incorporate locally can provide renminbi services and issue bank cards to individual Chinese customers without geographic limitations. 根据下周一生效的对国外银行的新规则，外国银行和本地银行合作的话就可以提供人民币业务，还能对个人颁布银行卡业务，并且没有地理限制。
And according to the China Banking Regulatory Commission, the approval process will take one to three months. "We need to get ready for business," Lee said. 根据中国银行管理委员会，正式的审批程序要1到3个月的时间，所以我们需要为此做好充分的准备，Lee说。
Citibank and HSBC have signed agreements to become members of China UnionPay, the country's sole bankcard transactions（n.办理, 处理, 会报, 学报, 交易, 事务, 处理事务 ）operator. 花旗银行和汇生银行都已经签署协议成为中国唯一的银行卡交易运营者－－中国银联的会员。
When overseas banks are allowed to offer renminbi retail business, China UnionPay cardholders can also withdraw cash from their ATMs. 这样国外银行可以被允许提供人民币零售业务，中国银联卡的持有者也同样可以从国外银行的ATM机上提取现金。
Lee added that the expansion of ATMs will also help its overseas customers who travel to or work in China. Lee强调外国银行的ATM业务扩张同样帮助那些来中国旅游或者在中国工作的国外消费者。
The banks are also using ATMs to promote their brands and services. 银行也同样利用ATM机来推进自己的品牌和服务。
They are competing to enter the most prosperous commercial areas, regardless of the high costs. 各银行之间不顾高额的成本花销相互竞争进入最繁荣的商业区。
In Beijing's Oriental Plaza shopping mall, there are ATMs from a host of overseas lenders such as HSBC, Citibank, Hang Seng Bank and Bank of East Asia. 在北京东方购物中心，有像汇生、花旗、恒生和东亚银行等诸多外国银行的自动取款机。
"The ATM is part of branding," Lee said, "many companies are using billboards, but we use ATMs." 自动取款业务是品牌的一部分，Lee说，很多公司利用宣传单，但是我们选择ATM机来宣传我们自己。
(Source: China Daily)来源：中国曰报
Editor: Nie Peng 编辑：聂朋
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12/5/2006 IN HIS ROOM
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