谷歌將全面封殺搜索頁面高利貸廣告

The website of Google said last Wednesday that it has banned ads for these "deceptive or harmful financial products" because they "can result in unaffordable payment and high default rates for users."

上週三，谷歌官網宣稱，已經禁止那些“具有欺詐性質和有害金融產品的”廣告，因爲這些廣告“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 program will start on July 13, according to a statement from Google (GOOG).

根據谷歌公司的這份聲明表示，競價廣告的全球政策變動將會於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 of issue. In the U.S., we are also banning ads for loans with an APR of 36% or higher. Ads for financial services are a particular area of vigilance given how core they are to people's livelihood and well being," the statement said.

該聲明還指出：“我們不再允許還款日少於60日的借貸廣告出現在我們的網站上。在美國，我們也禁止年利率大於等於36%的借貸廣告。金融服務是一個特別需要警惕的行業，因爲它們對人們的生活和幸福有非常大的影響。”

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

這項禁令不會影響到那些提供抵押貸款、車貸、學生貸款、商業貸款以及信用卡業務的公司的廣告。

Each year nearly twelve million Americans use payday loans. These borrowers are typically struggling 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。這些人通常經濟狀況不好，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 additional loans to pay off the original because of the short repayment window.

但是，美國消費者金融保護局聲稱這些貸款是“債務陷阱”。通常它們的利率超過100%，並且償還期限很短，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 to remove questionable ads and content by various international governments. Google is actually one of the world's biggest Internet censors.

儘管谷歌顯然是自發封殺高利貸廣告的，但是它也經常被各國政府要求移除有問題的廣告和內容。實際上，谷歌是世界上規模最大的互聯網審查者之一。