不允許說無現金社會是央行哪位同志吃醋了？人大重陽報告：SmartLife：A Cashless Reality

新聞 08-13

不允許說無現金社會是央行哪位同志吃醋了？人大重陽報告：SmartLife:A Cashless Reality

你出門帶現金嗎？你家裡的人出門帶錢嗎？這個問題的2個小問題小編其實是想問央行的同志的。起碼我接觸到的央行的同志現在不帶現金。

那麼，突然上周有一股風，說的是央行武漢分行的同志約談了螞蟻金服的同志，說的意思是支付寶和微信此前大力宣傳的無現金社會三個字違法。然後，當然處於被監管的弱勢群體中國最大的最牛B的公司服軟！

在小編看來，是不是央行的哪位同志吃醋了呢？從支付寶到微信支付，銀行系統的各種移動支付除了丟錢之外沒有進展（小編特別想知道10多家銀行話巨資和蘋果去年搞的ApplePay的結果如何？）。馬雲當年說過，銀行不改變，我們去改變銀行。但不管是誰改變誰，老百姓是得利了，這是不容否定的事實。

權威媒體又報道說，央行從來沒有書面說過無現金這個東西非法。那麼，這烏龍究竟是who在吃醋？

無現金社會已經接近現實

無現金社會現實不現實！當然是現實的存在。起碼小編現在除了在手機套後放50元現金救急之外，其他都是非現金支付了。那麼非現金在二三線如何？非現金有沒有問題？小編最近碰到的幾個案例先說下。

1、二三線可能比一線更無現金：昨天回去了一下老家浙江，專門去銀行換了現金。但我被打臉了，所有吃飯的地方都有支付寶和微信支付，朋友親戚之間支付全部是支付寶和微信。想去上月去蘇州，也是專門帶了現金，然後發現當地所有的支付和無線都比大上海先進。打臉，打臉。

2、非但是年輕人：小編接觸到使用非現金支付的並非年輕人，包括大量的40以上的中年人，使用現金的只有70以上的老年人群。很多老年同志其實學習的能力很強，比如我有一個朋友，上次開車出庫發現支付寶的可以直接過，現金的只能慢慢等，馬上就學會了支付寶呢。

3、回國的人確實麻煩：一個在美國的哥們最近回國，向我訴說了困惱，回到上海就是鄉下人無法生活。第一天回到上海發現打不到計程車，因為沒有手機太爛裝不了滴滴打車，然後看到街道上這麼多自行車，想借個自行車不就是了，結果被阿姨取笑，你手機裝個APP啊。但裝了APP沒有中國的銀行卡綁定.....

下面是騰訊和人大重陽的一個支付研究報告，這個數據小編覺得比較可信。現在40%的的中國人帶的現金少於100元。

無現金是中國競爭力

最近幾年，小編和大多數中國人一樣，無論是在國內還是國外，每到一個地方首先要問的問題有二個，有WIFI嗎？可以用Wechat和Alipay嗎？

事實上，在和西方發達國家的支付競爭中，智能手機+移動支付+電子商務+快遞，已經成為中國取得勝利的法寶。目前全球大部分的智能手機是中國製造，意味著中國已經取得了移動終端的發言權，在移動終端的上陣，華為中興取得了網路業務的支配權。小編這幾年去過歐美，他們的支付水平停留在信用卡的地步，但中國可以依靠無現金移動支付快速後發優勢。

從馬來西亞到菲律賓到印度，從亞洲到非洲，通過無現金的滲透，中國的企業（當然其實都是外資）其實已經掌握了相當的話語權，無現金已經是中國能夠對抗VISA等國際組織的藤牌。這也應該是最近中國政府正考慮開放VISA等國際組織進入中國市場和銀聯競爭的原因。其實別說ApplePay進入中國幾次被搞的灰頭土臉，現在有幾個中國人還會主動去辦銀行卡？（對，有的，上次吃飯，我的一個親戚說去辦了一張上海銀行的信用卡，目的是可以得到一個拉杆箱，然後到了就退了）。

無現金為什麼不能說？誰在吃醋

小編以為，在中國大幅超過歐美的支付領域，中國人應該自豪地說Caseless.其實，海外的媒體都是把中國的無現金Cashless革命當成一種偉大的發明的，比如Bloomberg的這個老外的體現，你看看，裡面都是表揚中國的正能量。

「

On a recent trip to Shenzhen, in southern China, I came across a subway busker with two tip jars. The first was a cardboard box filled with coins and bills; the second was a small QR code taped to the box that allowed passersby to leave a tip by smartphone. On one level, this was simply smart business: Chinese made around $5.5 trillion in e-payment transactions last year. But it also offered a glimpse of the future.

Around the developing world, QR codes are beating out Apple Pay and other brand-name payment services for consumers and businesses keen to go cashless. China offers a useful model for that transformation -- and a standard that others may soon be emulating.

The QR code may seem like an unlikely candidate to foster a financial revolution. It was developed in the 1990s by Japan s Denso Corp. after customers grew dissatisfied with the limited amount of information that could be stored using traditional barcodes. In solving that problem, Denso came up with new codes that could be read 10 times more quickly than their predecessors -- QR stands for "quick response."

The technology first caught on in Japan s automotive industry, which used it to track inventory. But in the early 2000s, Japanese customers began buying feature phones that could read the codes, and marketers began using them to promote websites and products.

By the time Tencent Holdings Ltd. released the social media app WeChat, in 2011, it was clear that QR codes had a lot more potential

WeChat offered users personalized codes that could be used to exchange contact information. When combined with the app s built-in wallet, they could also be used for payments. Sending money through the app has since become a way of life: During this year s Chinese New Year holiday, WeChat users sent 46 billion cash gifts via virtual "red envelopes."

That success shows why QR code payments are likely to take off in emerging markets. For one thing, they don t require credit cards, whichfew people in poorer countries have. Apple Pay and other such services, which use Near Field Communication technology, are uneconomical for many of these consumers. (Apple Pay s market share in China is in the single digits , despite a recent marketing push .) And the small-scale merchants that predominate in the developing world -- restaurants, corner markets, buskers -- have little reason to invest in expensive payment terminals for the equivalent of $0.50 transactions.

WeChat Pay, by contrast, allows just about anyone with a bank account and a smartphone to make electronic payments. All a Shanghai noodle shop or a Shenzhen busker needs to accept payments is a free WeChat account and a printout of a QR code. Much of China has become a QR first economy， where codes are now found next to nearly every cash register. WeChat s share of China s mobile payments market has grown from 3.3 percent in 2013 to 40 percent today.

Other developing countries are starting to see the potential. Last year, MasterCard Inc. rolled out a QR code system in Africa that has already attracted 100,000 Nigerian traders. In February, the Indian government QR, its latest effort to spur a cashless society. Thailand is similarly enthusiastic.

Clear thinking from leading voices in business, economics, politics, foreign affairs, culture, and more.

But perhaps the most ambitious step is a new industry standard published last week by EMVCo, a global payments consortium that includes MasterCard, Visa Inc. and the state-backed China UnionPay Co. The effort, spearheaded by UnionPay, would effectively extend China s payment standard globally, helping to ensure that QR-mediated transactions can flow seamlessly between banks and card companies, while also making them more secure.

That should make the technology more attractive to consumers, merchants and governments around the world. It could help fill the digital tip jars of subway buskers from Shenzhen to Lagos. And it just might make the cashless society a reality far sooner than anyone had predicted.

This column does not necessarily reflect the opinion of the editorial board or Bloomberg LP and its owners.

」

究竟這次無現金風波是如何來的呢？小編搜遍所有的地方，尤其是中國人民銀行的網站，沒有搜索到正式的文件（能不能透明點呢）。而唯一的來源是武漢分行的金融知識欄目，8月2日密集發布了有關人民幣的文件和問答。

搞笑的是，就是在央行武漢分行的網站上，還有阿里巴巴和武漢合作搞無現金城市的新聞。假如武漢分行認為無現金非法，那為什麼要保留這些宣傳呢？小編感覺到現在網上內容一片混亂，無現金究竟是合法還是非法？央行的同志能否給人民數清楚呢，比較你們前面掛了人民2個字呢。

當然，其實。小編從武漢分行網站的正式內容中並沒有發現無現金宣傳非法，而是你不能因為無現金而不收現金！這個當然，其實，完全，也是小編支持的。在現實的生活中，畢竟還有很多上了年紀的人不會使用智能手機，畢竟還有外國人等。但這些不都是銀行服務的空白和市場嗎？比如能不能給來中國的外國人快速辦理中國的人民幣卡綁定？

小編同事相信，無論是阿里還是騰訊，宣傳無現金社會的初衷一定是鼓勵使用非現金，而不是說你用現金就不能交易。在實際的使用中，也許也有強行不能交易的，但這畢竟不是一個大概率，很多情況下大家可以幫忙呢。比如前段時間去學校蹭飯，發現都只能用校園卡，小編就找一個學生刷了卡，給他轉了錢。

小編願意相信，武漢分行的同志也只是簡單阿里騰訊走的太遠太愉快，有點吃醋吧了。但畢竟趨勢你改變不了。

彩蛋：騰訊人大重陽報告