支付寶年度賬單曝光 網購一族悔恨忙

You spend lots of time and money shopping online during the past year and somehow you lost track of both.

去年，你將大把的時間和金錢都花在了網購上，但對這兩筆數字卻一無所知。

That’s why when you received you annual statement from Alipay, the Chinese third-party online payment platform, you probably got a nasty surprise.

這就是爲何當你收到第三方支付平臺“支付寶”的年度賬單時，會感到有驚無喜的原因了。

The annual statement, which shows consumers’ personal spending and online payment patterns, caused a stir when it was released by Alipay on Jan 15. Many micro-bloggers shared how much money they spend shopping online, mostly on Taobao, and how they felt after discovering the extent of their consumption. As you may have guessed, most of them were shocked by their statement.

支付寶於1月15日發佈了個人年度賬單，其中貼出了用戶的個人開銷以及在線支付方式；一張賬單隨即引起轟動。微博上人們（其中大部分爲“淘寶控”）紛紛曬出網購賬單以及看到自己消費情況後的感想。正如你所料，多數人都被自己的賬單雷到了。

Chen Si, 23, a senior in Literature of Film and TV at Shandong University of Arts, put a stamp “Can’t bear to look at it” on her statement.

山東藝術學院戲劇影視文學專業大四學生、23歲的陳思（音譯）在自己的賬單上打上了“無法直視”的標籤。

“Many micro-bloggers said they would rather ‘cut their hands off’ after seeing how every cent of their money was spent online shopping last year. I’m one of them,” Chen said.

陳思坦言：“許多博主表示在看到自己去年的網購賬單時都恨不得‘剁手’，我也是其中之一。”

Last year, Chen spent about 10,000 yuan on Taobao — more than 60 percent of online shoppers in the city of Jinan and more than half of her living expenses. Chen, who didn’t buy any expensive items online, had no idea where her money went before seeing the statement, which labeled her as “an upstart of online shopping”.

去年，陳思的淘寶賬單約爲1萬元人民幣，超過濟南市60%的網購用戶，佔她日常開銷的一多半。並未網購過什麼昂貴商品物品的陳思在看到自己的賬單之前根本不知道錢都花到哪裏去了，而她也被貼上了“網購新貴”的標籤。

“My sttitude to consumption was summarized as ‘economical’, ‘practical’ and ‘home-loving’,” Chen said. “It makes sense because I bought lots of things on discount days such as Nov 11 and Dec 12, and I purchased many home products.”

“我的消費態度被總結成‘經濟’、‘實用’、‘愛家’，”陳思說，“這點倒是說得通，因爲我在‘雙十一’和‘雙十二’這種折扣日血拼了很多東西，而且我買了好多家居用品。”

While many like Chen regret their excessive spending, some are making a big deal out of how little they spent. Zhu Siwei, 25, an accountant from Jinhua, Zhejiang province, spent a total of 489 yuan last year, according to her Alipay statement. Since she posted her consumption status on Sina Weibo she’s been asked by many fellow micro-bloggers how to save money.

當許多人同陳思一樣爲自己的過度消費而後悔不已時，也有人因爲花錢少而收到網友追捧。根據一張支付寶賬單顯示，來自浙江金華25歲的會計朱思微（音譯）去年只花了489元。她的賬單在新浪微博上一經曬出，網友紛紛向她討教省錢妙方。

“If you subtract the 38.7 yuan transfer fee, my actual expenditure in 2012 was 450.3 yuan,” Zhu said. “I usually get tied up with work and don’t have that much time for online shopping. I spend most of my money on my personal interests, such as reading books and listening to CDs.”

“如果口掉38.7元的轉賬費用的話，我2012年的實際支出就只有450.3元了，”朱思微說，“我平時忙於工作，沒什麼時間網購。我的錢主要花在了一些個人愛好上，比如買書和CD。”

Whether the numbers are surprisingly high or low, Alipay’s annual statement is more than just analysis of users’ different consumption patterns.

不管賬單上的數字是高是低，是大吃一驚還是喜出望外，支付寶年度賬單不僅僅是對用戶消費方式的簡單分析。

As Ma Yun, the CEO of , an online shopping website, once said: “E-commerce is not a business mode or technology, but a way of life.”

正如阿里巴巴CEO馬雲所說：“電商不是商業模式和技術，而是生活方式。”

An annual statement reflects a person’s consumption habits and lifestyle. But it’s also a warning that, while online shopping provides us with convenience and a refreshing way of living, we should be cautious about our consumption, especially when it comes to online shopping where money is just a number.

年度賬單反映出一個人的消費習慣和生活方式，但這同樣也是種警告：在網購爲我們帶來便利與新鮮生活方式的同時，我們也要謹慎消費，尤其是在網購時，因爲在那裏，金錢只是個數字。