CNN记者北京尝试24小时无现金生存 [美国媒体]

A day without a wallet in Beijing：



How to get by in Beijing without a wallet

 在北京没有钱包怎么活 

April 08 BEIJING
In many places, if you leave the house without your wallet, you'll be in a tough spot all day. No way to pay for food, transportation or any of life's other necessities.

在许多地方，出门不带钱包，你没办法买吃的和喝的，而且，你哪也去不了。

But in China's largest cities, you can definitely survive without carrying a pocket full of cash and credit cards -- as long as you've got your smartphone.

但在北京，只有你有一部智能手机，你可以不用带一个鼓鼓的钱包，甚至连信用卡也不用带在身边。

When I lived in the United States, I didn't pay cash very often but I always carried my credit or debit cards. I wrote checks for my rent and paid most of my bills online.

当我在美国时，我也用不着经常用现金支付，但我必须永远带着信用卡。我可以写支票支付房租，并在网上支付大部分账单。

China's fast-developing mobile commerce industry is estimated to dwarf that of the U.S., so I set out to see how far a phone would get me in the country's capital.

据说中国的移动商业已经把美国远远拉在后面，所以我要亲自看看一部手机能让我走多远。

Admittedly, I was a bit skeptical about going an entire day Beijing without my wallet, but I was surprised to discover just how easy and convenient it is.

说实话，在北京不用钱包能待一天吗？对此我也有一点点怀疑，但结果是，非常轻松，非常方便。

I pay for breakfast by scanning a QR code on the window of a hole-in-the-wall restaurant that sells jianbing, a delicious fried crepe that's one of China's most popular street breakfasts. My purchase costs 6 yuan (about 93 cents) and takes just a few seconds. All I have to do is input a password and the transaction is complete.

首先，我在路边摊买了一个煎饼，6块钱一个（93美分）。付款只要几秒钟时间，先扫描一个二维码，然后输入付款密码，就可以了。


  
Phones can be used in Beijing to buy street food like jianbing.

在北京可以用手机付款的方式在街边买煎饼

At a nearby coffee shop, the barista scans a QR code on CNN news assistant Shen Lu's phone.

在附近一个咖啡馆，店主扫描了CNN新闻助理Shen Lu手机的二维码。

As we sip our coffee, Shen Lu pays her household water bill at the table. In seconds, she is able to transfer funds from one of several linked accounts. She regularly uses the same simple process to pay other bills and even her rent.

在我们喝咖啡时，Shen Lu用手机支付了家里的水费，只花了几秒钟的时间。她经常用这种方式支付各种账单，包括她的房租。

In Beijing, I can also pay by phone for movie tickets, takeout food and to shop for goods for delivery.

在北京，我能够用手机购买各种电影票，点餐馆外卖以及网购各自商品。

I use my phone to hail a taxi so I can meet Gu Yu, co-founder of a new payment app, Mileslife. Ride sharing using a mobile payment app allows us to save money by ordering multiple taxi stops and splitting the fare at the end.

我用手机叫了一部出租车，并与一家手机应用公司联席创始人Gu Yu会了面。用手机支付软件来进行拼车（即在多个地点上车），最终平摊打车的费用。

Gu says many urban Chinese don't even bother with credit cards because they prefer to pay by phone.

Gu Yu告诉我，很多中国人更喜欢用手机，而不是信用卡进行支付。

"It's what I'd call a late development advantage. China doesn't have a really lucrative credit card system," he says. "So Chinese just skipped credit cards and went to mobile payments."

他表示，“我把它叫做后发优势。中国并没有建好一个真正的有利可图的信用卡系统，所以中国人跨越了信用卡阶段，直接进入移动了移动支付时代。”

As we ride around Beijing, Gu points out theadvantages of mobile payments. No coins or crumpled bills that can be lost or stolen, electronic receipts, the ease of keeping track of spending -- and of course, no bulky wallet.

一路上，Gu Yu讲述了移动支付的很多好处，比如不再需要零钱，不用担心纸币受损、丢失，有电子发票，可以自动记录各种消费行为，当然，不用再带鼓鼓的钱包了。

After arriving at our destination in Beijing's trendy Sanlitun area, we eat lunch and split the check -- also using our phones.

到了三里屯后，我们一起吃了午餐，AA制付账，当然也是用手机支付的账单。



Splitting the bill by phone at a restaurant in Beijing.

在北京饭店里用手机AA付款

From tiny street vendors to large chains, a huge number of businesses in Beijing accept mobile payments, mostly through popular apps Alipay and WeChat.

从小的街头小贩到大的商业连锁店，越来越多的商家接受移动支付，主要通过支付宝和微信。对于企业来说，使用移动支付的好处是可以追踪消费者的消费喜好。

Alipay is tied to Alibaba, the Chinese e-commerce titan. WeChat, developed by Tencent, is one of the biggest standalone messaging apps in the world with nearly 700 million active users.

 支付宝属于中国商务巨头阿里巴巴，而腾讯公司开发的微信用户拥有7亿用户。

Hundreds of millions of Chinese use Alipay and WeChat to make payments with their phones, and the market is growing fast.

在中国有数亿人使用支付宝和微信，移动支付市场正在快速成长。

Research firm eMarketer has estimated retail sales on mobile devices in China rose 85% to around $334 billion in 2015. That makes the Chinese market more than four times the size of the U.S. one, the firm says.

eMarketer的研究显示，中国2015年手机移动互联网的零售额增长了85%，达到3340亿美元。是美国市场规模的四倍以上。

Part of the appeal of mobile payments for companies is the ability to track customers' spending habits. But in China, the government heavily monitors and censors social media apps, including mobile commerce.

移动支付的优势之一是其能够跟踪客户的消费习惯。但是在中国,政府严格监控和审查社交媒体应用,包括移动商务应用。

"I think normal citizens don't worry" about their activities and spending being monitored, Gu says. "I think human rights activists have huge concerns."

“我认为正常公民不担心”对于他们的活动和支出被监视一事,顾说。“但我认为人权活动人士会有巨大担忧。”

The next frontier for the industry is expansion beyond big Chinese cities.

下一步产业扩张重点将着眼大城市之外。

Much of rural China still relies on cash. Despite China's slowing economy, the huge untapped population of hundreds of millions of people represents a big opportunity for mobile payment companies.

大多数中国农村目前仍然依赖于现金。尽管中国经济正在放缓,但数亿人口的待开发市场将为移动支付公司提供一个巨大的机遇。