男性網絡消費力首次超越女性英語美文

Men’s online purchasing power surpassed women’s for the first time, according to a mobile and internet payment’s security investigation report in 2017 released by China UnionPay Wednesday.

週三，據中國銀聯發佈的《2017移動互聯網支付安全調查報告》顯示，男性網絡消費力首次超越女性。

The investigation indicates that the ratio of men spending over 5,000 yuan every month (23 percent) surpassed women (15 percent) by 8 percentage points. The main reason for this result is the increasing proportion spent on take-away food orders and virtual items relevant to games.

調查指出，每月消費逾五千元的男性比例(佔比23%)超出女性比例(佔比15%)八個百分點。出現此結果的主要原因是外賣訂單和遊戲虛擬商品的消費比例增加。

Offline consumption (supermarkets and restaurants) and online substance consumption are the most popular, with the percentage among all 73 percent and 72 percent respectively, followed by credit card payments (62 percent), take-away food orders (60 percent), calling taxis (52 percent), and recharging and paying for online games (50 percent).

(在移動支付的使用場景中)，線下消費(超市和餐廳)和線上實物消費最受歡迎，分別佔比73%和72%，緊隨其後的.是信用卡還款(佔比62%)、外賣訂單(佔比60%)、叫車服務(佔比52%)，以及為線上遊戲充值繳費(佔比50%)。

The post-70s and post-80s demographic groups are the main purchasing driving forces. The post-70s have the biggest percentage of high-income population, with 51 percent having over 5,000 yuan in disposable income every month. Although the post-90s’ wages are the lowest, 23 percent of them spend more than 5,000 yuan every month, which is the highest ratio among all respondents.

70、80後是消費主力。70後高收入人羣佔比最高，51%的人每月可支配收入達5000元。儘管90後工資最低，23%的人每月花費超出5000元，在所有答卷者中佔比最高。

With regard to the telecommunication fraud issue, the easiest method is still using social media, such as QQ. However, the ratio decreased by 18 percentage points compared to that in 2016. Troy’s virus, phishing, and verification code fraud also are common methods of payment fraud. The Post-60s generation is prone to being defrauded, and there is a higher possibility that the post-90s lose more money once defrauded.

對於問題，最簡單的詐騙方法仍是通過社交媒體，比如QQ。然而，受騙比例與2016年相比已下降18%。特洛伊病毒、網絡釣魚和驗證碼詐騙依然是支付詐騙的常見手段。60後容易上當受騙，90後一旦被騙金額數目可能更高。

The investigation was launched online by China UnionPay and public security organizations, as well as major commercial banks, payment institutions, and Tencent from September to November last year. There were 105,000 valid questionnaires analyzed, of which half covered many economically-active districts, such as South China’s Guangdong province, East China’s Shandong, Jiangsu, Fujian and Zhejiang provinces, Shanghai and Beijing.

該調查在去年9月～11月進行，由中國銀聯和公安機關，以及各大商業銀行，支付機構和騰訊共同發起。共收回105000份有效問卷，一半的答卷來自經濟活躍地區，比如華南地區的廣東省，華東地區的山東、江蘇、福建和浙江省，以及上海和北京市。