(单词翻译:单击)
听力文本
In India, More People Are Buying and Selling Gold Electronically
India's $34 billion market for gold is changing.
The buying and selling of gold has traditionally been done face-to-face. But now smartphones, e-wallets and some investment programs are bringing new buyers into the business.
Digital payment systems have grown in popularity in India since the government stopped producing large-value bank notes in 2016.
Now, there are computer software applications that let smartphone users buy, sell or keep gold, even in small amounts. The Reuters news agency reports that a private company keeps gold purchased or sold electronically in secured storage vaults.
Online gold purchases have been growing worldwide for years. But they are a new idea in India, where jewelry and pieces of gold are often kept by individuals or given as gifts.
"In India, the action is really starting now. The digitization of the economy will certainly lead to the digitization of gold," said Somasundaram PR. He is managing director of India operations for the World Gold Council. He believes the digitalization of gold will grow in the coming 12-24 months.
The World Gold Council estimated total Indian gold demand at 727 tons in 2017, and thinks it could rise to 800 tons in 2018. In China, the country using the most gold, demand was 953.3 tons last year.
It is difficult to estimate how many buyers are entering the market because of software apps or the internet. One digital payments company reported that in the first six months after it began offering digital gold last April, it processed about $18.4 million worth of sales. That represents a small part of the Indian gold market.
With most purchases made in the traditional way, demand for physical gold is not slowing.
Indian buyers are also interested in competitive pricing and the ability to purchase gold in small amounts.
Gold-based offerings, such as Gold Accumulation Plans, let users buy and store gold in amounts as small as 0.1 grams. Many young people like these plans, along with other online investment programs.
In the past, everyone who wanted gold had to wait until they had saved a large amount of money to make a purchase. Joe Jacob, a 29-year-old businessman, recently bought 5 rupees worth of digital gold as a "trial investment." He said that buying digital gold is easier and safer than having gold physically in his home.
Security experts said that because the gold is guaranteed to physically exist in a secured place, there was little risk of dishonest sellers.
And digital wallet providers believe interest will grow.
A company called Paytm is at the top of the crowded e-wallet business in India. It announced two new gold gift and savings plans this month.
Gold purchases traditionally increase around the time when many marriage ceremonies are performed, experts say.
Nitin Misra, senior vice president at Paytm, confirmed the rise. He confirmed that "about 40 percent of sales" happen during the "off-season" for buying gold in India.
He said more than half of the company's users were repeat buyers, and 70 percent were younger than 35.
The company said last year it planned to sell $200 million worth of gold during the 12-month period ending on April 1, 2018. But its reported sales appeared to fall short of that number.
A competitor, e-wallet provider PhonePe, said the market will grow by 35 percent from 2015 to 2020.
Bangalore-based businessman P Vinoth says he likes to buy jewelry and other gold-covered objects from stores. He says e-wallets now offer another way to make purchases.
He used to invest in exchange-traded financial programs, he said, but "now I am using Paytm gold."
I'm Susan Shand.
重点解析
1.face-to-face 面对面的
We had a face-to-face argument with them.
我们同他们进行了一次面对面的辩论。
2.make purchases 购买
I would also like to know if it is possible to make purchases online.
我还想知道网上购买是否可行。
3.In the past 过去
My children have wounded me in the past.
我的孩子们过去曾伤害过我。
4.gold market 黄金市场
The gold market is steady.
黄金行情稳定。
5.In the past, everyone who wanted gold had to wait until they had saved a large amount of money to make a purchase.
a large amount of 大量的
The gang finally fled with a large amount of cash and jewellery.
该团伙最后携大量现金和珠宝逃之夭夭。
He has a large amount of mail to answer every day.
他每天有大量的信件要回复。
6.But its reported sales appeared to fall short of that number.
fall short of 不足；少于
His income may fall short of his needs.
他的收入达不到他的需求。
These goods fall short of quality.
这批货物不符合质量。
参考译文
印度：线上黄金交易渐成趋势
印度价值340亿美元的黄金市场正在发生变化。
传统的黄金交易都是当面完成的。如今，智能手机、电子钱包以及一些投资项目逐渐吸引了新的买家。
自2016年印度政府停止发行大额钞票后，数字支付系统在印度越来越受欢迎。
现在，有一些计算机软件应用程序允许智能手机用户交易或储存小额黄金。据路透社报道，一家私人企业在安全存储库中进行线上黄金交易。
多年来，线上黄金交易在全球范围内一直呈增长态势。但是，对于珠宝和黄金通常由个人保存或作为礼物赠送的印度来说，这是一种全新的概念。
Somasundaram PR表示，“在印度，这种行为真正地开始了。经济的数字化必将导致黄金的数字化”。他是世界黄金协会印度区总裁。他相信，未来12-24个月内黄金数字化将不断扩大。
世界黄金协会估计，2017年印度黄金总需求量为727吨，2018年可能会增至800吨。中国作为消耗黄金量最多的国家，其去年黄金总需求量为953.3吨。
由于软件应用程序或互联网，很难估计有多少买家进入该市场。一家数字支付公司报告称，去年4月数字化黄金上线，该公司在前6个月内处理了约1840万美元的销售额，这只是印度黄金市场的一小部分。
由于大多数黄金交易以传统方式进行，对实物黄金的需求不会放缓。
印度买家也对竞价及允许小额买卖黄金感兴趣。
攒金计划等以黄金为基础的产品，只允许用户购买和储存0.1克黄金。很多年轻人偏好这类理财计划及其它在线投资项目。
过去，人们想购买黄金必须要攒够一大笔钱。29岁的商人乔·雅各布（Joe Jacob）最近购买了价值5卢布的数字黄金作为“试验性投资。”他说，购买数字黄金比往家中储存黄金更便利，更安全。
安全专家表示，因为这些黄金实体保存在安全的地方，因此遇到不诚信卖家的风险很小。
数字钱包提供商相信，人们对此的兴趣将会增长。
一家名为Paytm的公司领先众多印度电子钱包企业。本月，该公司宣布了两项新的黄金礼品和储蓄计划。
专家表示，在举办婚礼的高发时段，黄金交易量通常会大涨。
Paytm公司高级副总裁Nitin Misra证实了这一增长。他证实，约40%的销售额发生在印度购买黄金的“淡季”。
他说，该公司一半以上的用户是老顾客，而且70%的用户不满35岁。
去年，该公司表示，计划在2018年4月1日前的12个月内销售价值2亿美元的黄金。但该公司报告的销售额似乎低于该数字。
其竞争对手电子钱包提供商PhonePe表示，从2015年到2020年，黄金交易市场将会增长35%。
来自班加罗尔的商人P Vinoth表示，他喜欢到店铺购买珠宝和其它金饰品。他说，如今电子钱包提供了一种新的购物方式。
他说，之前投资了交易所交易的金融项目，但是“现在我开始使用Paytm黄金了。”
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译文为可可英语翻译，未经授权请勿转载！
