Payments made on Chinese smartphones are nearly 50 times greater than the number of mobile transactions in the United States, signaling a late-mover advantage with robust potential for the fintech sector, the Financial Times reported on Tuesday.

　　本周二据《金融时报》报道称，中国通过手机支付的金额几乎比美国多50倍，显示中国在这一方面具有后发优势，拥有强大的潜力。

　　The value of third-party mobile payments more than tripled to 38 trillion yuan ($5.5 trillion) in China last year according to estimates by consultants iResearch, while Forrester Research reported a 39 percent increase to $112 billion in the United States.

　　据艾瑞咨询估计，去年中国第三方移动支付的价值增长了近三倍，达到了38万亿元人民币(约合5.5万亿美元)，而佛雷斯特研究公司报告美国只增长了39%，仅为1120亿美元。

　　The rise of Chinese mobile payments has been driven by the explosive growth of online shopping as well as internet financial services such as peer-to-peer lending and readily-accessible money market funds, the newspaper reported.

　　据报道，中国移动支付的增长是由网购的爆炸式增长、以及P2P和随处可得的借贷资金等互联网金融服务所共同驱动的。

　　Online sales surged 26.2 percent to 5.2 trillion yuan in 2016, according to the National Bureau of Statistics. Over half of Chinese mutual funds are now sold online, up from only 5 percent in 2012.

　　据中国国家统计局表示，2016年网络销售额增长了26.2%，达到了5.2万亿元。现在中国超过一半的共有基金都在网上销售，而2012年这一数据还只有5%。

　　Last year was a turning point for online payments, the newspaper pointed out, as their presence at physical retailers became ubiquitous. Customers can choose to pay with their mobiles at Starbucks, Ikea or even breakfast stalls and manicure shops.

　　报道指出，去年是在线支付的一个转折点，很多实体店都开始引进支持移动支付。客户们可以在星巴克和宜家里用手机付款，甚至在早餐摊和美甲店里也可以。

　　While Alipay and WeChat Wallet, the payment arms of the country’s tech giant Alibaba and Tencent respectively, play dominant roles, the US market is split between Apple, Google, Samsung and Paypal.

　　但是虽然阿里支付宝和腾讯微信钱包主宰了中国市场，美国市场却由苹果、谷歌、三星和贝宝(Paypal)四分天下。

　　A shorter history of credit card usage and relatively low penetration contributes to China’s thriving mobile payments, according to the newspaper. Compared to cumbersome online payments with debit cards, payment via Alipay or WeChat only requires the scanning of a QR code from a retailer’s point-of-service terminal or a smartphone.

　　报道称，中国移动支付的蓬勃发展还在于信用卡使用的历史短暂和普及率较低原因。相比于使用借记卡在线支付的繁琐，支付宝和微信支付只要扫描零售商点终端服务器或手机上的二维码就可以了。

（编辑：何莹莹）