谷歌將全面封殺搜索頁面高利貸廣告

The website of Google said last Wednesday that ithas banned ads for these "deceptive or harmfulfinancial products" because they "can result inunaffordable payment and high default rates forusers."

上周三，谷歌官網(wǎng)宣稱，已經(jīng)禁止那些“具有欺詐性質(zhì)和有害金融產(chǎn)品的”廣告，因?yàn)檫@些廣告“可能會給用戶帶來無力支付的賬單和高違約率。”

The global policy change to its AdWords programwill start on July 13, according to a statement fromGoogle (GOOG).

根據(jù)谷歌公司的這份聲明表示，競價廣告的全球政策變動將會于7月13日正式生效。

"We will no longer allow ads for loans where repayment is due within 60 days of the date ofissue. In the U.S., we are also banning ads for loans with an APR of 36% or higher. Ads forfinancial services are a particular area of vigilance given how core they are to people'slivelihood and well being," the statement said.

該聲明還指出：“我們不再允許還款日少于60日的借貸廣告出現(xiàn)在我們的網(wǎng)站上。在美國，我們也禁止年利率大于等于36%的借貸廣告。金融服務(wù)是一個特別需要警惕的行業(yè)，因?yàn)樗鼈儗θ藗兊纳詈托腋Ｓ蟹浅４蟮挠绊憽?rdquo;

The ban won't affect companies that offer mortgages, car loans, student loans, commercialloans or credit card ads.

這項(xiàng)禁令不會影響到那些提供抵押貸款、車貸、學(xué)生貸款、商業(yè)貸款以及信用卡業(yè)務(wù)的公司的廣告。

Each year nearly twelve million Americans use payday loans. These borrowers are typicallystruggling financially and rely on the loans for quick money.

每年都有大約一千兩百萬美國人借高利貸。這些人通常經(jīng)濟(jì)狀況不好，靠借貸弄到快錢來度日。

However, the U.S. Consumer Financial Protection Bureau has said the loans are "debt traps."They usually have interest rates of over 100%, and borrowers must often take out additionalloans to pay off the original because of the short repayment window.

但是，美國消費(fèi)者金融保護(hù)局聲稱這些貸款是“債務(wù)陷阱”。通常它們的利率超過100%，并且償還期限很短，貸款人們必須去借新的錢來還舊債。

In 2015, Google disabled over 780 million ads.

2015年，谷歌共屏蔽了超過7.8億條廣告。

While the decision to ban payday loans is apparently voluntary, Google is often asked toremove questionable ads and content by various international governments. Google isactually one of the world's biggest Internet censors.

盡管谷歌顯然是自發(fā)封殺高利貸廣告的，但是它也經(jīng)常被各國政府要求移除有問題的廣告和內(nèi)容。實(shí)際上，谷歌是世界上規(guī)模最大的互聯(lián)網(wǎng)審查者之一。