外國網友：中國移動支付的未來，現金已少見

很多人感嘆現在的支付方式發生了巨大的變化，其中移動支付在中國的大街小巷逐步普及，這種現象不僅國人感到驚訝，外國人更是一臉驚嘆和不解。

Cash is already pretty much dead in China as the country lives the future with mobile pay

外國網友：中國移動支付的未來，現金已消失

Mainland Chinese stores and services are increasingly centered around mobile pay apps like WeChat Pay and Alipay. Chinese mobile payment volume more than doubled to $5 trillion in 2016, according to Analysys data cited by Hillhouse Capital. Mobile pay is growing so rapidly in mainland China that as a foreigner, I sometimes found it difficult to complete basic transactions without it. The dominance of mobile transactions lends itself to greater data collection by the Chinese 。

中國商店和服務越來越以如微信和支付寶的移動支付為中心。

根據高瓴資本的調查數據顯示，2016年中國移動支付總額增長了一倍以上，達到5萬億美元。

移動支付在中國的增長如此之快，以至於作為一個外國人，有時我發現在沒有它的情況下很難完成基本的交易。

移動交易的主導地位使中國有更大的數據收集能力。

【外國網友評論】

standswithpencil 4561 points 3 days ago Cash is not dead in China. Total hype headline. It's true that epaying is widespread and increasing, but this reporter seems to just stick to major cities like Beijing and not know that cash is essential in the countryside and small towns. Typical foreign journalist basing their experience in the trophy cities while ignoring what China is like in the rest of the country

中國並沒有放棄現金。這是個標題黨。無現金支付這種情況的確普遍存在，但這個記者似乎只關注像北京這樣的大城市，不了解在農村城鎮這樣的地方，現金必不可少。典型的外國記者只把經驗基於城市，而忽略了中國其他地方。

kar639 678 points 3 days ago So true. Cities of more than 2 million people are still cash only in many parts of northern China.

對，在中國北方很多地方，超過200萬人口的城市依然使用現金。

[–]krakenftrs 147 points 3 days ago It's changing fast though. Basicly all they need to get wechat payments is a sticker with their QR on the booth. Could use wechat and alipay to buy ice cream on roadside stops in Inner Mongolia last month. Granted those cater to tourists, but it's changing fast. No problem in Tonghua either.

它迅速改變。基本上，他們所需的微信付款，就是貼在攤位上的二維碼。上個月，可以在內蒙古路邊攤用微信和支付寶購買冰淇淋。雖然滿足了遊客，但變化很快。

gootwo 51 points 4 days ago Cash only for the train ticket machines in HK, which really surprised me when I was there recently (and was also really annoying, frankly).

香港只有火車票才用現金，當我最近在那兒時我很驚訝。講真，也非常惱火。

dijano 18 points 4 days ago People use something called octopus in Hong Kong check it out

在香港，人們用「八達通卡」結賬。

[–]Malkiot 12 points 4 days ago I'm not sure I like cashless. In fact, I'm pretty sure I dislike the whole idea. With a password it's too much of a hassle, without it's a security risk. Then there's the whole tracking thing. So, no thanks.

我不確定我是否喜歡無現金式，我很確定我不喜歡這個主意，輸密碼太麻煩了，不輸就有安全風險。然後是全程跟蹤。不了謝謝（現在掃碼支付啊，不是刷卡啊大哥）。

natebest2000 238 points 4 days ago Is anyone else bothered by the control over finances that would come from a cashless society? If the banks still maintain control over your balance what prevents them from implementing negative interest rates? Then you can't exactly withdraw your money in any physical form, right? Sure it may be a paranoid idea and if you disagree with it, I'd rather I be wrong than you. I promise.

有沒有人因為無現金社會來臨、資金被控制而受困擾呢？ 如果銀行仍控制你的餘額，那什麼會阻止他們實施負利率？那麼你就不能以任何實物形式取出你的錢，對吧？ 當然，這可能是一個偏執的想法，如果你不同意，我寧願我錯了。

Cell-i-Zenit 51 points 4 days ago cashless will be cryptocurrency. Its decentralized and noone can force you go give out the money. The banks have no control.

無現金會成為加密貨幣，它是分散管理的，沒人能強迫你把錢拿出來，銀行沒有這種權力。

Aeroxin 116 points 4 days ago This is one of the problems cryptocurrency directly solves and one of the reasons it is increasing in popularity.

這是加密貨幣直接解決的問題之一，也是它越來越受歡迎的原因之一。

T_P_H_ 1100 points 4 days ago Can't wait until cash is eliminated and it's card only. I really need to give up 3-4% of my spending income every year to a credit card company. I have too much money. I can't wait for transactions between individuals to be tracked and sales tax applied. I don't want to be able to sell a used couch to a friend without it being tracked and sales taxed as well as the purchase price be applied to my yearly income for income tax purposes. And, once cash is eliminated the CC companies can change the processing rip to whatever they want. They need more money.

等不及把現金取消只用卡了。我真的需要每年把我的支出收入的3~4%給信用卡公司。我的錢太多了。

我等不及個人交易被跟蹤，營業稅被申請了。我不想在沒被跟蹤的情況下把二手沙發賣給我朋友，以及消費稅和出售價格被加到我每年收入的所得稅上。

以及，一旦現金取消，通訊公司也會改變他們想要的處理方式。他們需要更多的錢。

TGCK 373 points 4 days ago I got into a conversation with a crackpot on the subway once and he was convinced that when if the world was cashless, the banks (or otherwise) could sell your spending information to health insurers or employers or disgruntled ex-wives - how much your spending on alcohol and cigarettes or maybe escorts and strip clubs. I know he was crazy but I'm interested to see how far that rabbit hole may go.

我曾經在地鐵上和一個瘋子說話，他確信如果世界都無現金化，銀行（或其他）會出售你的消費信息、醫療保險、僱主、不滿的前妻、你在煙酒上的開銷或者酒吧。我知道他很瘋狂，但我很興趣這種情況能走多遠。

[–]T_P_H_ 462 points 4 days ago I talked to a crackpot once who said Google, Facebook and all of those sites were going to track internet movements and sell the data and that personal info would be exposed to hackers through lax security. I know he was crazy.... but.

我曾和一個瘋子交談過，他說，谷歌、臉書和所有網站都跟蹤互聯網移動並出售數據，個人信息會通過寬鬆的安全措施被暴露給黑客。

Gorzoid 130 points 4 days ago These crackpots man, they know too much

這些瘋子知道太多了。

catfroman 22 points 4 days ago Just got back from a 3-week stay in China and I can say this is like half-true. Basically every place takes payment via QR code and they were on everything compared to here in the States, but at the same time, we used cash at least twice a week while there. So yeah, it's in transition but while they're ahead of the States in this regard, cash definitely isn't "dead"

剛在中國待了三周，我能說著半真半假。基本上每個地方都用二維碼支付，比起美國，它們是每樣東西（都有二維碼）。但與此同時，我們在那兒時至少一周使用兩次現金。

所以，它正在過渡期，但這點領先美國，現金肯定不是「消失的」。

[–]Whatofitpunk 108 points 4 days ago Cash is certainly not pretty much dead in China...There are hundreds of thousands of street vendors that don't have anything to process mobile payments with...

現金在中國當然不是消失了，有成千上萬的攤販沒有東西可以使用手機支付……

[–]switchblade420subtle 56 points 4 days ago WeChat is the app that a lot of people use. It's like a combination whatsapp/banking app, and if you have a phone you will most probably using it to do business. Now I don't know how many street vendors earn enough to maintain a shop, but don't have access to a phone to use one of the most common modes of payment, but I'm guessing that number isn't too high.

微信是大量人使用的應用，就像組合的whatsapp和銀行應用，如果你有一把手機，你可能用它來做生意。我不知道多少攤販賺足夠的錢的維持店鋪，但沒用手機使用最常見的支付方式的，我猜這個數量不會很高。

gladvillain 36 points 4 days ago* I live in China and even the smallest of street vendors accept mobile payments via alipay or wechat pay. Still, plenty of people use cash, so I wouldn't say it's dead, but a business won't survive unless they accept some form of mobile pay, which is incredibly simple to setup and implement. I can go for weeks without using cash at all and I never use my bankcard.

我住在中國，即使街頭小販都能接收手機支付，但很多人還使用現金，所以我不會說它消失了。但除非接受設置和完成都很簡單的某種手機支付，否則一樁買賣就不會完成。我可以幾個星期不用現金，也從不用我的銀行卡。

zyzeast 14 points 4 days ago I think people are confused with the point of the article. It's not saying you can't use cash anymore, of course you can still use cash, it's just that right now people simply prefer to not use cash and everyone that lives in modernized parts of China are more likely to pay with their cellphones instead of cash.

我覺得人們搞混了文章觀點，不是說你再不能使用現金了，你還是能使用現金，只是現在人們更喜歡不用現金，而每個生活在中國現代化地區的人更有可能用手機支付而不是現金。

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