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The Chinese tech centres of Shenzhen and Hangzhou have given Silicon Valley a run for its money for the first time.
中国的科技中心深圳和杭州首次在筹资总额上超过硅谷。
Financial technology companies in Asia raised $9.6bn during the first seven months of the year, more than double the $4.6bn raised by similar companies in North America, according to data from Accenture.
根据埃森哲(Accenture)的数据，今年头7个月亚洲金融科技公司筹得96亿美元，比北美同类公司筹集的46亿美元高出一倍以上。
The capital raising, of which more than 90 per cent was done by Chinese companies, was also twice as much as that raised in Asia during all of 2015 by “fintech” groups — a catch-all term that has come to include everything from multibillion-dollar online investment platforms to mobile applications offering discounted dining options.
这96亿美元有90%以上是由中国企业筹到的，而这一总额也达到了2015年全年亚洲“金融科技”(fintech)集团筹款的两倍。“金融科技”是一个包罗万象的术语，涵盖几十亿美元的在线投资平台，以及提供打折餐饮选择的移动应用。
In 2010, fintech fundraising in North America was 15 times bigger than in Asia. Last year it peaked at $14.8bn, more than three times that in Asia. North American funding activity for the sector this year, however, was projected to halve on last year, according to Accenture.
2010年，金融科技公司在北美筹得的资金是亚洲的15倍以上，去年达到148亿美元的高峰，是亚洲的3倍多。但根据埃森哲的数据，今年北美金融科技公司筹资活动预计比去年减半。
That decline was accompanied by troubles at San Francisco-based Lending Club, a pioneer in the US fintech industry that suffered a scandal involving mis-sold loans earlier this year followed by a collapse in its stock price.
伴随这一下降的是，总部位于旧金山的Lending Club陷入种种麻烦，这家美国金融科技先驱在今年早些时候卷入不当销售贷款丑闻，随后股价暴跌。
The exuberance in China has led to concerns over whether the country’s fintech sector was overheating. Online financial services and peer-to-peer lenders in China have garnered a mixed reputation. Many have collapsed, while some have made off with billions of dollars in client cash.
中国的繁荣引发了对其金融科技行业是否过热的担忧。中国在线金融服务和个人对个人(P2P)贷款的名声有好有坏。许多企业都垮台了，还有一些卷走了客户数十亿美元现金。
“There were so many of these companies suddenly doing online finance last year,” said Alex Ren, president of Ping An Group. “It’s like the emperor’s new clothes; the vast majority of these will not be able to go on.”
平安集团(Ping An Group)总经理任汇川(Alex Ren)表示：“去年突然冒出这么多公司在做互联网金融。就像皇帝的新衣，其中绝大多数将会撑不下去。”
Chinese companies have not picked up the global investors that have grown tepid on Silicon Valley.
全球投资者对硅谷越来越冷淡，但中国企业尚未获得他们的追捧。
Instead, the swell in investments in China was driven largely by state-backed investments into a few of the country’s largest internet and finance companies.
相反，中国投资膨胀的主要驱动力，是几家国内最大的互联网和金融公司获得国家支持的投资。
Hangzhou-based Ant Financial, the financial services affiliate of Alibaba Group, which operates China’s biggest ecommerce platform, raised $4.5bn in April in what was the world’s largest round of fundraising for an internet company.
经营着中国最大电子商务平台的阿里巴巴集团(Alibaba Group)的金融服务子公司、位于杭州的蚂蚁金服(Ant Financial)，今年4月筹得45亿美元，这是全球互联网公司筹到的最大一轮资金。
