对外经济贸易大学2000年攻读硕士学位研究生入学考试国际经济贸易学院专业英语试题（英译中四页五段每段二十分共100分）1.TheBattletoBeYourOnlineBillCollector—BankershopecyberbillingcangivethematoeholdontheNet.Everyyear,Americanbusinesssendsout29billionbills.Andbyanymeasure,theexerciseisn'tmuchfun.Forcompanies,printing,processingandpostingatypicalconsumerbillrunsabout90.Andforrecipients,there’snotonlyademandforpayment,there'sawadofsolicitationsthatnearlyeveryonethrowsaway.ButforbankstryingtomakeitontheInternet,billsarecool.Bankersseebillsassurefireeyeball-grabbersinanenvironmentwhereit'stoughtocommandconsumerattention--andakeytoprotectingtheirexistingbusinessmanagingcashforbigcompanies.Increasingly,banksarebattlinghigh-techcompetitorsforcontrolofInternetbilling,orelectronic-billpresentment,asitiscalled.Tobesure,thisisafightoverabusinessthatisinitsinfancy.FewbillsarenowsentviatheNet,andonlinepaymentsystemsofteninvolveapapercheck.ButthetechnologyexiststosendbillsfrombusinesstocustomersandroutepaymentsbackontheNet.Bytheendofnextyear,industryanalystsestimateupwardsof4.5millionhouseholdswillbereceivingbillsonline.What’smore,sendingandhandlingbillsovertheNetshouldbeabout40%cheaperthanpaperdelivery,saystheGartnerGroup,aresearchfirminStamford,Conn.ThequestioniswhowillbecomethebillcollectorontheNet.BankersreckonthatiftheycanturntheirWebsitesintomailboxesforelectronicbills,theycanbecomekeyentrypointsontheNet-portals,even.Thatwouldenablethemtosellotherfinancialservicesonline.Thefearisthatexistingportals,suchasYahoo!orevenAmericanOnline,willbecomecentersofbillpaymentand,inturn,siphonoffexistingbankbusiness."Bankshavebeenslowtogetintothis,"saysKennethJ.Kerr,aGarteranalystinDurham,N.C."Buttheyrealizethereisathreathereandtheyneedtogetaboard".Bankshavetheiradvantages.Theycanoffercustomerssimultaneousaccesstotheirbillsandtheirmoney.Bankshavelongrelationshipswiththebillers,suchhasutilitiesandretailers,andcenturiesofexperienceinprotectingpeople'smoney.Bigbanksalsoareworriedthattechnologycompaniesofferingbillpresentmentcouldmusc