英语翻译Many American's already consider Wal-Mart their bank since the retailer enables them to cash payroll checks,send money and pay bills.At the 225 Money Centers,there are even more services available,thanks to agreements with third parties t

英语翻译Many American's already consider Wal-Mart their bank since the retailer enables them to cash payroll checks,send money and pay bills.At the 225 Money Centers,there are even more services available,thanks to agreements with third parties t
英语翻译
Many American's already consider Wal-Mart their bank since the retailer enables them to cash payroll checks,send money and pay bills.At the 225 Money Centers,there are even more services available,thanks to agreements with third parties that offer reloadable debit cards.Wal-Mart expects to double the number of Money-Centers by year end,and by the end of 2008 it plans to have 1,000 in operation,with more likely on the horizon.
"I know right now we could use more than 1,000 [Money Centers]," said Jane Thompson,president of Wal-Mart Financial Services.
Finding locations for the centers shouldn't be hard since many of the services are already offered at the customer service counter.For example,last year more than 2 million wire transfers were executed in its stores,Thompson said.Wal-Mart can simply look at its historical transaction data and locate Money Centers in areas of peak demand.Wal-Mart also has an incentive to exceed its disclosed expansion target since Money Centers currently offer one of the highest per-square-footage rates of profitability in the store,according to Thompson.
In addition,a glimpse of the growth potential that awaits the company can be found by looking at the success of its current wire transfer partner MoneyGram and that company's chief competitor Western Union.MoneyGram offers money orders and urgent bill payment services too,but wire transfers account for the bulk of its business and Wal-Mart is the company's largest customer.Last year,the retailer accounted for 24% of the $822 million in revenue generated by Money-Gram's global funds transfer business that has achieved quarterly growth rates in excess of 25% for more than five years.
A similar situation exists at Western Union,the leading wire transfer company with 300,000 agent locations worldwide,compared to MoneyGram's 110,000 locations.Western Union facilitated 147 million consumer-to-consumer transactions last year involving the exchange of $53 billion that generated fee revenues of $3.7 billion.Western Union's fees have declined in recent years due to competition,but the business remains very profitable with net income of $914 million realized on total revenues of $4.5 billion.
Wal-Mart is in the business to make money too,but it can tolerate a lower fee structure and typically charges less than $10 for a wire transfer.As a result,Thompson estimates the company saves customers who use the service $450 per year or nearly $40 a month.
"The $40 our customers save each month can grow to become the down payment on a house or help pay for a child's college education," Thompson said."That's our goal—to help our customers prepare and save for the future by giving them access to greater financial opportunities."
Therein lies another important motivation behind Wal-Mart's financial services initiatives.

英语翻译Many American's already consider Wal-Mart their bank since the retailer enables them to cash payroll checks,send money and pay bills.At the 225 Money Centers,there are even more services available,thanks to agreements with third parties t
自从零售商授权能够使用他们的现金薪金支票,汇票以及支付账单后,许多美国人都把沃尔玛看做他们的银行.在沃尔玛提供的225家金融中心里,可提供更多的服务,感谢达成第三方所提供的增值借记卡的协议.沃尔玛预期要在年底再成立225个金融中心,计划到2008年底,有1000家能够运行,并且在全世界更加普及.
“我知道现在我们已经能够使用超过1000个（金融中心）”沃尔玛金融服务总监Jane Thompson说.
由于许多服务项目已经在客户服务中心投入使用,所以想要找寻金融中心的位置应该不难.Thompson说,例如,去年在商店就有超过2,000,000笔的电汇交易.沃尔玛只需要简单的查看一下历史交易数据就可以定位金融中心最大需求的区域范围.据Thompson说,沃尔玛同时还有一个动机超越已经宣布的扩张目标,因为金融中心现在为每平方尺的商店贡献着最大的收益率.
再者,论及等候其潜在增长力的伙伴,可以从沃尔玛现在的电汇合作伙伴MoneyGram（速汇金）,以及MoneyGram的主要竞争对手Western Union（西联汇款）,这两家公司之中挑选.MoneyGram也提供汇票以及urgent bill payment ,但是电汇占了它的大部分业务,而沃尔玛则是该公司最大的客户.去年,MoneyGram全球资金转账业务收入达$822,而零售商占了其收入的24%,而资金转账业务的收入已经连续五年达到超过25%的单季增长.
同样相似的情况在Western Union也存在,最主要的电汇公司在世界范围内拥有$300,000家当地代理区域,相较而言,MonryGram拥有则110,000个区域的代理权.Western Union在去年推动了147,000,000个C2C交易（消费者对消费者的电子商务交易）,交易额达到$53,000,000,000,其从中获得手续费收入达到$3,700,000,000.Western Union的手续费在今年来由于同业竞争而下降,但是该业务仍然获利极多,其$914,000,000净收入变现得到总和达到$4,500,000,000.
沃尔玛也在电汇业务中获利,但是它就要接受较低的酬金结构并且只能象征性的在每笔电汇业务交易中收取象征性的少于$10的费用.因此,Thompson估计公司为这些使用此服务的顾客节省了$450每年或者将近每月$40.
“我们顾客每月节省40元,可以积攒成为购房的首期支付款,或者可以支付一个孩子的大学教育”Thompson说,“这就是我们的目的——通过给予他们得到更好的金融机会,帮助我们的顾客为将来做准备,为将来而省钱.”
在沃尔玛积极的金融服务背后,在那里存在（lie双关语,“说谎”）着另一个重要的动机（巨大的利益）.

许多美国已经考虑沃尔玛他们的银行以来，零售商，使他们的现金薪金支票，汇款和支付帐单。在225金钱中心，还有更提供的服务，感谢协定与第三方提供增值借记卡。沃尔玛预计数目增加一倍的金钱-中心今年年底，由2008年年底，它计划到1000年的运作，更有可能在地平线上。
“我知道的权利，现在我们可以利用1000多个[金钱中心] ，说： ”简汤普森，总统沃尔玛金融服务。
调查地点为中心，应...

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许多美国已经考虑沃尔玛他们的银行以来，零售商，使他们的现金薪金支票，汇款和支付帐单。在225金钱中心，还有更提供的服务，感谢协定与第三方提供增值借记卡。沃尔玛预计数目增加一倍的金钱-中心今年年底，由2008年年底，它计划到1000年的运作，更有可能在地平线上。
“我知道的权利，现在我们可以利用1000多个[金钱中心] ，说： ”简汤普森，总统沃尔玛金融服务。
调查地点为中心，应该并不难，因为许多服务已经提供了在客户服务柜台。举例来说，去年更超过200万，电汇被枪决在其店，汤普森说。沃尔玛可以只看它的历史交易数据，并找到钱，在中心地区的最高用电需求。沃尔玛也有奖励超过其透露，扩大的目标，因为金钱中心目前提供最高的国家之一每平方米的画面，盈利率在商店，根据汤普森。
此外，在一瞥的增长潜力，等待该公司可以找到看的成功，其目前的合作伙伴电汇汇款和该公司的主要竞争对手西联汇款。 MoneyGram之提供汇票和紧迫条例草案的付款服务，但电汇帐户，其大部分业务和沃尔玛公司是该公司最大的客户。去年，零售商占24 ％的八万二千二点〇 〇 〇万美元在所产生的收入，钱克的全球资金转帐业务，已取得季度的增长速度超过25 ％以上的五年。
存在类似的情况在西部联盟，领导电汇公司与300000代理世界各地相比，国际汇款的110000地点。西部联盟的便利1.47亿消费者到消费者的交易，去年涉及外汇530亿美元所产生的费用，收入37亿美元。西部联盟的费用有所下降，近年来，由于竞争，但生意仍然非常有利可图的净所得九万一千四百点1000万美元上实现总收入45亿美元。
沃尔玛公司是在商业社会要赚钱太，但它可以容忍较低的收费结构和通常的收费少于10元，电汇。因此，汤普森估计，该公司节省了客户谁使用这项服务的450元，每年或接近40元一个月。
“ 40元，我们的顾客节省每个月可以成长为首期付款就一所房子，或帮助支付孩子的大学教育， ”汤普森说。 “这就是我们的目标，帮助我们的客户作好准备，并保存为未来，让他们获得更大的金融机会” 。
这就是另一个重要动机，沃尔玛的金融服务措施。

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