在中国，现金已死 [美国媒体]

In China, cash is dead

在中国，现金已死

Dec. 31, 2017, 3:00 PM
2017年12月31日 下午3:00



* Cash is quickly becoming obsolete in China.

* 现金支付，在中国已经变得过时了。

* Mobile payments have become much more convenient. They have surged to $ 5 trillion in the mainland.

* 手机支付已经变得非常便捷。
  在中国大陆，手机支付金额已经飙升到5万亿美元。

* The electronic payment method has revolutionized commerce in China. Hundreds and thousands of small-scale shops including restaurants, grocery stores and tea houses, as well as wet markets, now accept them.

* 电子支付已经变革了中国的商业环境。
  成百上千的小商店，包括餐馆、杂货铺、茶吧和农贸市场，
  现在都接受了电子支付。

In major Chinese cities, paying by paper money is all but dead thanks to the convenience of mobile payment, which has now surged to US$5 trillion in the mainland.

由于手机支付的便利，在中国的主要大城市，付现金的现象几乎消亡了。
中国大陆的手机支付已经达到5万亿美元。

Ask Lin Nianbao, owner of Ruyi Restaurant that sells noodles, dumplings and rice dishes on Shanghai’s Lancun Road. Lin is now a firm supporter of the country’s rapid pace of digitalization, where e-payment and online food delivery services have helped his business grow and thrive.

记者采访了如意饭馆的老板林年宝。
他的饭馆在上海蓝村路上，卖面条、饺子和米饭套餐之类。
林年宝是这个国家快速数字化的坚定支持者，依托电子支付和在线外卖，
他的生意获得了更多的增长，变得更加的兴隆。

“Cash is no longer needed in running the restaurant,” he said. “It is a fast-changing business world as mobile phones begin to dominate people’s life.”

他说，“现在经营餐馆，现金支付已经不需要了。
这是一个快速变化的商业社会，手机已经开始主宰人们的生活。”

Until 2015, Ruyi used to collect cash from all its customers, but e-payments through WeChat Pay and Alipay now account for more than 70 per cent of its total transactions, or about 10,000 yuan (US$1,515) a day.

直到2015年，如意饭馆对所有的客户还是收现金。
但是现在一天的话，微信支付和支付宝的收款金额占到了70%以上，
大概1天1万元（约1515美元）左右。

“This is a typical disruptive technology,” Lin said. “It forces us to learn how to better use the apps to develop our businesses.”

林还说：“这是个典型的颠覆性技术，它迫使我们去学会使用手机APP来发展业务。”

Small restaurants like Ruyi operate in a cutthroat fast-food sector, where each dish costs 10 to 20 yuan, and operators are hit with a host of other constraints such as steep rents. The restaurant is big enough for about 20 tables that can sit around 50 people at any one time. It was among the first food businesses on its street to adopt e-payment early last year.

如意这样的小饭馆，处在竞争激烈的快餐行业，每道饭菜只有10-20元，
经营者还受到许多其他因素的限制，例如高昂的租金。
这个饭馆大概可以放20张桌子、同时坐50个人。
去年年初，它是这条街上，第一家支持手机支付的饭馆。

“We thought it was worth a try when the payment service firms approached us,” Lin said. “The rapid increase in the use of mobile payment at small restaurants like ours is a surprise.”

林说：“当电子支付公司找到我们时，我们觉得值得试一试。
像我们这样的小饭馆，移动支付订单的迅速增加，对我们来说，真是个惊喜。”

He said e-payment service was no longer a nice-to-have option, but a necessity to attract new customers and retain regulars.

他说，电子支付不再是锦上添花的事情，
而是吸引新客人、留住老客户的必要条件。

“Some people come in and ask whether we accept Alipay or WeChat,” Lin said. “Those restaurants on the street, which insisted on cash payments have lost their businesses to us.”

林说：“有些人会进来，问我们是否接受支付宝和微信支付。
街上那些坚持收现金的餐馆，已经把生意推到我们这来了。”

Digital payments had helped drive the restaurant’s revenue up by about 10 percent, he said.

他透露，电子支付帮助餐馆的营业额增长了10%左右。

Ruyi is one of numerous mainland businesses benefiting from the digitalization drive.

在中国大陆的数字化浪潮中，如意只是受益的众多小商户之一。



Third-party payment services by internet giants Alibaba Group, owner of the?South China Morning Post,?and Tencent Holdings, which offers Tenpay service via its instant messaging app WeChat, have found their way into hundreds and thousands of small-scale shops including restaurants, grocery stores and tea houses, as well as wet markets which previously shun bank cards for payment.

南华早报的母公司、互联网巨头阿里巴巴公司，提供了第三方支付服务。
腾讯控股，通过即时通讯软件微信，来提供财付通支付服务。
他们的第三方支付服务，已经渗透到成百上千的小商铺，
例如餐馆、杂货铺和茶吧，以及之前拒绝刷卡的农贸市场。

Third-party payment refers to the retail transactions through services outside the banking system.

第三方支付，是指游离于银行系统之外的零售交易服务。

By June this year, China’s third-party payment market according to consultancy Analysys International, has grown to 35.9 trillion yuan, which represents half of the country’s gross domestic product in 2016. Alipay controls a 39 per cent market share and Tenpay, a 27 per cent.

根据易观国际的统计数据，到2017年6月，
中国第三方支付市场规模已经达到35.9万亿元，
这占到了2016年中国GDP规模的一半。
在市场份额上，支付宝占到了39%，财付通占到了27%。

Globally, China takes a 42 per cent share of the world’s e-commerce transactions, processing 11 times more mobile payments than the United States, according to global consultancy McKinsey.

全球咨询公司麦肯锡的数据显示，在全世界范围内，
中国在全球电子商务交易中，市场份额占到了42%，
处理的移动支付数量是美国的11倍。

For restaurant owner Lin, there is a need to further digitalize his business.

对餐馆老板林来说，他的生意需要进一步的数字化。

“The apps collected a big amount of data through the payments and they know exactly who our customers are and what they want,” he said.
“I am prepared to work closely with them in future when they offer other fee-based services to help promote shops’ businesses.”

他说；“通过这些APP收集的数据，我们可以精确地知道，我们的客户是谁，他们都要些什么。
我准备以后，跟他们保持密切的联系，提供其他的收费服务，来增加门店的生意。”

Ruyi is already a client of Koubei, an online-to-offline local services platform under Alipay, which locates merchants who are offering discounts and promotions for users.

如意已经是口碑网的客户了。
口碑网是支付宝旗下的一个线上到线下的平台，
当地的商户可以在上面给用户提供促销和折扣。

“I am addicted to mobile apps because of their increased influence and creative ways of doing businesses,” Lin said. “It’s not just about improving business. I have a nasty feeling that we will fail if we don’t follow their models (to run businesses).”

林还说，“我现在已经对手机APP上瘾了，
因为它的商业模式是创造性的，影响力是不断增加的。
这已经不是去改善自己的生意了。
我有一种不祥的预感，如果我们不遵循这样的商业模式，
就会被淘汰，我们也就会失败。”



Facebook评论

Luis Manuel Jimenez
Cashless society means the government can see and watch everything you do, buy, and sell. This isn’t something to brag about and it’s not any future I want to be part of. Also means that if you disagree with the government that your funds could possibly disappear. How are you going to prove you have ownership to something if it’s never “there”?

无现金社会，意味着政府可以看到、知道你做的一切，包括你买的、你卖的。
这并不是值得夸耀的事情，我也不想参与这样的未来。
这同时也意味着，如果你反对ZF的话，你的资金可能会消失。
到时候，如果这笔资金从来就“没存在过”，你怎么证明你拥有它呢？

Eric Luk
This is another means where by the Chinese Communist government will be more able to collect financial data from the public, monitor the behaviour of their people, and finally set up tighter national control. E.g. should they find anything suspicious in a transaction, the account of that person will be traced or even frozen.

这是中国ZF搜集老百姓的金融数据的另一种方式，
监视人民的行为，最终建立更严格的国家管制。
例如，如果他们发现有可疑的交易行为，该人的账户就会被追查甚至冻结。

Joan Shing
Imagine one day when you are labeled as rebellious and the system erase you out is just by pushing one button.

试想下，当一天你被贴上反叛的标签，系统只需按个按钮就把你清除掉。

Alex Perez Andrew Cobb.
This is the future. Even african countries use this.

这是未来啊，即使是非洲国家也在使用这个。

Kwame Adusei Owusu
In Ghana we use it every corner. I use it everyday.

在加纳，我们每个角落都可以用这种支付。我每天都用。

Jorge Pawn
So basically if you don’t have a phone you better not go to China.

所以基本上来讲，如果你没有手机的话，最好不要去中国。

Chris Martin
Kenya is on another whole new level......we led, others are following!!!

肯尼亚是另外一种全新的支付系统······我们领先，别人在跟随！！！

Khamisi Kibet
In KENYA too, we use mobile money transfer

在肯尼亚，我们用手机转账

Gary Stevens
Hope so, it takes a wheelbarrow full of yen to buy a loaf of bread there!

希望如此吧，在那儿，需要一手推车的日元才能买块面包！

Tom Kernahan
Government can keep track of what you make, and you will be required to pay the full income tax.

政府可以追查你所做的一切事情，而且你也得全额缴纳个人所得税。

Royston Sharp
Cash money is your last form of privacy suckers

现金，是你支付嫖资的最后一种方式。

Jay Vice
Cash is king! If technology ever fails we better have cash available to survive a rainy day.

现金为王！如果电子支付失败了，我们最好拥有现金以备不时之需。

Mat Schrepf
how do they buy their weed?

他们怎么买那些低等毒品呢？