双语：男性网络消费力首次超越女性

　　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.

　　周三，据中国银联发布的《2017移动互联网支付安全调查报告》显示，男性网络消费力首次超越女性。

　　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.

　　调查指出，每月消费逾五千元的男性比例(占比23%)超出女性比例(占比15%)八个百分点。出现此结果的主要原因是外卖订单和游戏虚拟商品的消费比例增加。

　　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).

　　(在移动支付的使用场景中)，线下消费(超市和餐厅)和线上实物消费最受欢迎，分别占比73%和72%，紧随其后的是信用卡还款(占比62%)、外卖订单(占比60%)、叫车服务(占比52%)，以及为线上游戏充值缴费(占比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后是消费主力。70后高收入人群占比最高，51%的人每月可支配收入达5000元。尽管90后工资最低，23%的人每月花费超出5000元，在所有答卷者中占比最高。

　　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.

　　对于电信诈骗问题，最简单的诈骗方法仍是通过社交媒体，比如QQ。然而，受骗比例与2016年相比已下降18%。特洛伊病毒、网络钓鱼和验证码诈骗依然是支付诈骗的常见手段。60后容易上当受骗，90后一旦被骗金额数目可能更高。

　　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.

　　该调查在去年9月～11月进行，由中国银联和公安机关，以及各大商业银行，支付机构和腾讯共同发起。共收回105000份有效问卷，一半的答卷来自经济活跃地区，比如华南地区的广东省，华东地区的山东、江苏、福建和浙江省，以及上海和北京市。