(一）

My hometown is wei fang, a city who is famous for kite. It located in the centrol part  of Shandong   Peninsula. Weifang kite is not only famous ,Wei fang radish is also loved by people deeply,"Weifang

radish is much  better  than Yantai apple Laiyang pear“。Eating radish and drinking tea, dispiease 

doctor climbing over the  ground.

Today, Weifang  has become the driving force of China new economy.I  feel so pround of,and this city no matter  whatever  I go, I always  miss it. I love her and welcome to Weifang.

（二）

How Chinese Banks are Losing Money to Alipay and WeChat中国银行业失去的钱是如何流向支付宝和微信的 

Mobile and online payment services such as Alipay and WeChat Pay are depriving China’s banks of processing payments but, more importantly, cutting them off from users’ transaction data, reported Financial Times.

移动和在线支付服务,比如支付宝和微信，剥夺（削弱）了中国的银行处理付款,但更重要的是,削减了他们的用户的交易数据,《金融时报》报道。

Eric Jing, president of Ant Financial, said payments through its Alipay unit bypass China Unionpay’s settlement network, as well as issuing and acquiring banks. All these parties are losing income from merchant fees.

蚂蚁金融总裁埃里克·京表示,通过支付宝付款单位绕过中国银联的结算网络,以及流出和获得的银行。这些部门都正失去商业费用收入。

Chinese research firm Kapronasia calculated that the move to smartphone payments from credit/debit cards had removed $20 billion in fees from Chinese banks in 2015, a massive chunk of income.

中国研究公司Kapronasia计算，从2015年的中国的银行业，转移到智能手机支付的信用卡/借记卡移除200亿美元费用,（这是）一笔巨大的收入。

However, there could be a bigger problem heading the way of the country’s banks thanks to mobile payments, because the providers of such services sit between traditional financial institutions and end users.

然而, 由于移动支付，可能有一个更大的问题面向该国家银行的方式。,因为这类服务的提供者之间拥有传统金融机构和最终用户。

Users of Alipay and WeChat Pay fund payments by linking the wallet apps to their bank accounts. When a payment is made via smartphone the bank does not receive information, such as identity of merchant and location, but only notification that the transaction was handled by Alipay or WeChat, for instance.

例如，支付宝和微信的用户支付基金支付链接钱包应用到他们的银行账户。通过智能手机支付时银行不接收信息,如商户的身份和位置,但只有通知事务是由支付宝或微信。

Being starved of such data makes it harder for traditional banks to understand the consumption habits of their users, and plan new services that might attract them.

被饿死（流失）的这些数据使传统银行更难理解用户的消费习惯,并计划可能吸引他们的新服务。