2020考研英语：《经济学人》中英读译Day103

英语阅读能力依靠什么？必然是词汇的积累，但，仅仅是词汇的积累是不够了，更应该了解英语句式，不同句型所表达意义。如何培养自己的阅读语感呢？那么就跟着聚创考研信息网小编每天学一点英语，一起为考研筑起坚实的地基。阅读是需要积累的，就像我们需要经常和人沟通才会促进我们的表达能力一样~小伙伴跟着小编一起，每天坚持打卡，培养英语阅读能力及语感，了解文章一些经典词汇的用法。

经济学人:英国曼岛的保险业 (2)

A striking example is a policy offered by Old Mutual International (OMI), a subsidiary of London-listed Quilter,which pays out a lump sum of millions of pounds to heirs in Singapore inheriting property in Britain,allowing them to foot the inheritance-tax bill without needing to sell the properties.

译文

一个显著的例子是伦敦上市公司Quilter的子公司先机国际（OMI）提供的一种保险：向新加坡的英国遗产继承者一次性支付百万英镑，这一保险让他们能够在不需要售卖财产的情况下支付遗产税。

 

But this policy at least has a large cash payout; many others are "wrappers" that simply fold existing assets into insurance payouts.Reasons to buy range from wealth protection——from high taxes, government expropriation or succession squabbles——to tax arbitrage.In many countries the proceeds of a life-insurance policy attract less tax than a direct inheritance.

译文

但是该保险至少要有一大笔现金支付；许多其他的政策就像包装袋一样，不过是将现有资产折成了保险理赔。购买这些保险的原因，从财富保护——比如高税收、政府征地或是继承权之争——到税收套利，各不相同。在很多国家，一份人寿保险的收益税少于一次直接继承所收的税。

 

Unhappily for Manx firms, these products are sold with hefty commissions. Some of their brokers in far-flung countries charge 6-7% of a policy's value.Though that is similar to commissions in onshore jurisdictions——around 6% in Ireland, for instance——onshore life insurance is mainly about death benefits, annuities and to an extent savings.

译文

不幸的是，对曼岛的公司来说，出售这些产品能获取高额的佣金。其中一些遥远国度的经纪人的收费是一项保险单价值的6-7%。虽然这和岸上司法管辖区的佣金差不多——例如在爱尔兰约为6% ——岸上人寿保险主要是关于死亡抚恤金、养老金以及一定程度上的储蓄金。

 

A better comparator for Manx products is financial advice, where commissions have been slashed.In Britain financial advisers must charge retail investors fixed fees rather than commissions, to avoid conflicts of interest.Business might shift to avoid the new rules. One Manx official worries about competition from the British Virgin Islands.Or clients boggling at the newly revealed fees may switch to a different sort of vehicle for asset protection,for example the trusts in which Jersey and Guernsey, also Crown dependencies, specialise.

译文

对曼岛的产品来说，一个更好的对比是财务咨询，财务咨询业务的佣金已经被削减。在英国，财政顾问可以向散户收取固定费用但不能收取佣金，以此避免利益冲突。该行业或许会为了规避新的规则而转移。一名曼岛官员担心来自英属维尔京群岛的竞争。或者对新披露费用犹豫不决的客户会转而寻求不同种类的资产保护工具，比如同属王权属地的泽西岛和根西岛所专注的信托业务。

 

The Isle of Man will still benefit from a stable legal environment and specialist talent.It already offers some products that rely on neither Britain's tax forbearance nor rich individuals elsewhere.Notably, the Manx operations of Zurich Insurance, a global insurer, focus on life-insurance and pensions schemes for the employees of multinational firms.But the island's financial industry will have to diversify: to new types of customers such as corporations, for example, or to products that are less dependent on brokers.

译文

曼岛仍将从一个稳定的法律环境和专业才能中获益。它已经提供了一些既不依赖于英国收税延展也不依赖于别处富有个人的产品。全球保险公司苏黎世保险在曼岛开展的业务尤其专注于为跨国公司的员工提供人寿保险和养老金项目。但是该岛的金融行业将不得不寻求多样化：例如开发新的客户类型，如公司，或者提供对经纪人依赖较少的产品。

 

注释

1.subsidiary 子公司

Paciolan is a wholly owned subsidiary of Comcast-Spectacor

帕乔兰是康卡斯特公司的全资子公司。来源于《WSJ》

 

2.expropriation 征收

September - Government begins the expropriation of white-owned farms as part of a land-reform programme.

9月-政府开始征用白人拥有的农场作为土地改革计划的一部分.来源于《BBC》

 

3.slash 大幅削减

It's a unique kind of Middle Eastern-slash-Mediterranean menu

这是一种独特的中东-地中海式菜单。来源于《WSJ》

 

4.rely on依靠；依赖

Most surfers rely on dial-up connections and cyber cafes

大多数冲浪者依赖拨号连接和网吧。来源于《BBC》

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