用英语阅读课程
然后翻译成您自己的语言以验证您的理解.

立即购买, 以后支付 (法国国家石油公司) 正在蓬勃发展

十二月 18, 2023

剧集中 85, 我们深入研究 CNN 十二月初发布的一个引人入胜的标题: “这是类固醇贷款”: 如何立即购买, Pay Later companies are meeting an influx of demand despite higher costs.

什么是 “Lending on steroids” 意思是? 从经济角度来说, this expression suggests that loans are being made at an unusually rapid and vibrant pace. Steroids, typically associated with bodybuilders for artificial muscle gain, here metaphorically describes the accelerated rate of lending. The headline indicates that Buy Now Pay Later companies are responding to a significant increase in demand.

These modern-day companies provide third-party financing for consumers, offering easy terms, reminiscent of the old furniture store ads promotingNo money down, don’t make your first payment until a later date.This easy financing, now facilitated by internet and app technologies, presents a convenient alternative for consumers who prefer not to use credit cards.

Moving on to the article, it highlights the evolving landscape of holiday spending. Traditionally dominated by credit cards, the spotlight is now shared with Buy Now, 以后支付 (法国国家石油公司) 公司. These are often referred to as BNPL companies, for the initials of Buy Now, 以后支付. On Cyber Monday, BNPL purchases soared, reaching an all-time high. BNPL companies, like credit cards, allow customers to make purchases without immediate funds, offering interest-free installments over a typical six-week period. 然而, late payments may incur fees, and longer payment terms might attract high-interest rates.

Despite most customers meeting their payment schedules, there’s been a slight uptick in late payments. The focus now is on fostering relationships with reliable customers to encourage repeat transactions, which helps BNPL companies assess lending capabilities more accurately. And by ‘fostering’ relationships with customers, I mean ‘beginning and developing’ relationships. Fostering.

The article also touches on the shift from zero-interest loans due to rising interest rates and how BNPL companies are reworking terms with retailers to balance their income sources from user interest and retailer fees.

Here’s an idiomatic expression that ties in with our topic: “Don’t bite off more than you can chew.It cautions against taking on more responsibility or debt than one can handle, relevant to both consumers and BNPL companies in this context.

As we wrap up, I wish those celebrating Christmas a very merry one. For others, I hope the holidays provide a chance to relax with family and friends. You can read the full article on the CNN website or find the link at EnglishforEconomists.com, where you can also sign up for lesson alerts. Make learning English part of your 2024 goals, 记住, setting an annual target is a great motivator.

Thank you for joining me today. 小心, and I’ll be back soon with another episode of English for Economists. Bye for now.

 

加入我们的播客俱乐部

您还可以在这些平台上订阅我们的播客:

Follow us on spotify
Apple Podcast

0条评论

递交一条评论

您的电子邮件地址不会被公开. 必需的地方已做标记 *

最新播客

缩胀, 紧缩通货膨胀和“社会经济”’

缩胀, 紧缩通货膨胀和“社会经济”’

你好, 朋友们. 很高兴回来. 离开已经有一段时间了, 我为你准备了特别的一集. 今天, 我们不只是报道一个而是两个头条新闻. 当我们看这些故事时, 我将向您介绍一些有趣的术语,它们描述了非常...

'白天鹅’ 和《黑天鹅》’ 活动

'白天鹅’ 和《黑天鹅》’ 活动

今天, 我们正在探索一个引人入胜的话题,该话题引起了金融界的广泛关注: 黑天鹅事件和白天鹅事件的概念. 我们今天的讨论和英语课的灵感来自于 1 月 30 日彭博社最近发表的一篇文章,题为, "A...

‘钢铁自己’ 应对潜在的贸易战

‘钢铁自己’ 应对潜在的贸易战

我们今天的课程基于《经济学人》杂志的一篇文章, 1月9日发表, 标题 "习近平有可能引发另一场贸易战。" 再听一遍, "习近平有可能引发另一场贸易战。"...

预测 2024: 美元熊市, 债券多头, 和稳定的股票

预测 2024: 美元熊市, 债券多头, 和稳定的股票

今天课程的来源是彭博新闻社的一篇文章, 标题为“开始新的一年你需要知道的五件事”. 这篇文章对市场做出了一些预测 2024. 他们说将会出现“美元熊市”、“债券牛市”和“稳定股票”…….

什么是‘意外之财’?

什么是‘意外之财’?

今天, 我们剖析《卫报》的一个有趣的标题, 本周早些时候发布. 我们将阐明它所呈现的词汇和概念. https://open.spotify.com/episode/4gv38LOliwLyMAQkrOIgmB?si=mk5lHPdZR5apuxI8bg8AmQ 我们今天的主要焦点是...