导读:周三，谷歌称其已经禁止那些“具有欺诈性质和有害金融产品的”广告，因为这些广告“可能会给用户带来无力支付的账单和高违约率。”
The website said 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."
周三，谷歌称其已经禁止那些“具有欺诈性质和有害金融产品的”广告，因为这些广告“可能会给用户带来无力支付的账单和高违约率。”
The global policy change to its AdWords program will start on July 13, according to a statement from Google (GOOG).
谷歌的声明表示，谷歌竞价广告的全球政策变动会在7月13日实施。
"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," the statement said.
该声明还说：“我们不再允许还款日少于60日的借贷广告出现在我们的网站上。在美国，我们也禁止年利率大于等于36%的借贷广告。”
The ban won’t affect companies that offer mortgages, car loans, student loans, commercial loans or credit card ads.
这项禁令不会影响到那些进行抵押贷款、车贷、学生贷款、商业贷款以及信用卡业务的公司在谷歌上打广告。
Google said it is vigilant about not running ads for "fake or harmful products" or those that "seek to mislead users about the businesses they represent."
谷歌表示其对“虚假有害产品”或者“误导消费者”的广告持有相当警惕的态度。
In 2015, Google disabled over 780 million ads.
2015年，谷歌取缔了超过7.8亿支广告。
"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.
声明表示：“金融服务是一个特别需要警惕的行业，因为它们对人们的生活和幸福有非常大的影响。”
Each year nearly twelve million Americans use payday loans.
每年都有近一千两百万美国人借高利贷。
These borrowers are typically struggling financially and rely on the loans for quick money.
这些人通常经济状况不好，靠借贷弄到快钱来度日。
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.
然而，美国消费者金融保护局表示这些贷款是“债务陷阱”。通常它们的利率超过100%，并且偿还期限很短，贷款人们必须去借新的钱来还旧债。
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.
尽管谷歌显然是自发封杀高利贷广告的，其也经常被其他国家政府要求移除有问题的广告和内容。实际上，谷歌是世界上规模最大的互联网检察者之一。
For example, Google removed ads for Canadian pharmacies that were selling drugs to U.S. customers. In that case, it was forced to via a 2011 settlement with the Department of Justice in which it paid $500 million. That dollar amount reflected how much Google made on the ads combined with what the pharmacies were estimated to have earned in sales.
比如说，谷歌移除了销售给美国消费者药品的加拿大药房的广告。在这种情况下，谷歌在2011年被迫与司法部和解，并支付五亿美元的罚款。这笔钱显示了谷歌从这些广告上的盈利和药房通过广告能得到的预估盈利。
