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1. And it means too few people, especially in poorer households, have access to cheap and simple financial tools.
have access to 得接近;得会见;得进入
All the rooms have access to the Internet.
所有的房间都可以接入互联网。
2. By contrast, China’s big fintech firms charge below 0.5%.
by contrast 相比之下
The private sector, by contrast, has plenty of money to spend
相比之下，私营部门就有很多钱可供开销。
