翻译题
You come into the world with nothing, the saying goes. A new campaign proposes to change that by giving every newborn child in the world an online bank account with $100 in it. The aim of the Financial Access@ Birth (FAB) campaign is to do something about the fact that half the world's population has no access to mainstream financial services. 46 This is a huge handicap, exposing people who are typically already on the poverty line to risks that wealthier folk can manage through savings or insurance, and leaving them to be blackmailed by unregistered moneylenders. The campaign is the brainchild of Bhagwan Chowdhry, a finance professor at the University of California, Los Angeles, and is starting to attract some prominent supporters, including Peter Singer, a well-known philosopher, and Vijay Mahajan, an Indian social entrepreneur. 47 FAB fits perfectly together with another big idea: an effort being led by Nandan Nilekani, an outsourcing tycoon turned government minister, to provide every Indian with a legal proof of identity in the form of an electronic smart card. 48 The prospect of a bank account with $100 in it—this initial amount would be untouchable until the child's 16th birthday—would encourage parents to register their newborn babies. The account could then be used by governments or charities to make direct payments, to fund things like the child's education or health care. Opening accounts for babies has been tried before, but only in rich countries such as Britain, Canada and South Korea, where its potential impact is far smaller. 49 Mr. Chowdhury expects the parents of the richest 35m children born each year voluntarily to give up the free money, which would leave accounts for the other 100m newborns born each year to be funded. The campaign proposes that national governments each donate one-fiftieth of one percent of GDP to cover the estimated $10 billion annual cost. That is still a tough deception in today's economic climate: 50 one issue to be thoroughly discussed is whether the accounts have to be funded at birth, or whether the money needs to arrive only when the child turns 16. But governments are not the only potential donors. The idea sounds perfect for banks, which would gain a potentially lucrative army of future customers and could polish up their battered images at the same time.
【答案解析】本句难点在于定语从句的翻译。第一个who引导的定语从句主干部分是people are on the poverty line，而第二个that引导的定语从句的主干为wealthier folk can manage，采用分译法，将两个定语从句分别译出，将会降低翻译难度。exposing和leaving为并列关系，leaving后的人称代词them需要特别注意，指代的是贫困人群。
【答案解析】本句的难点在于插入语的翻译语序。本句的主语是The prospect of a bank account with $100 in it，后面紧跟的是插入语。通常插入语可最后再译，先将破折号两端部分完整主谓结构找出后译出。插入语包含until引导的时间状语，译为“而最初的这100美元须在孩子年满16周岁后才可使用”，置于本句后半部分即可。
【答案解析】本题的难点在于非限定性定语从句的翻译。of the richest 35m children born each year为介词短语作后置定语修饰parents，译为“每年最富有的3500万新生儿的父母”，which引导的非限定性定语从句是对前一句的进一步阐述，在翻译时需要用连接词将两个句子连接起来。