CAsh Disappearing in China – Le Monde

現(xiàn)金在中國(guó)逐漸消失——《世界報(bào)》

Mobile payments are dominant in the Asian country, while the traditional means of exchange has dwindled to near extinction, the outlet has said

該媒體報(bào)道稱,移動(dòng)支付在這個(gè)亞洲國(guó)家占據(jù)主導(dǎo)地位,而傳統(tǒng)交易方式已幾近消亡

Coins and banknotes have nearly disappeared from everyday life in China, according to Le Monde. From supermarkets and cafes to public transportation, most payments are now made exclusively through mobile apps such as WeChat Pay and Alipay.

據(jù)《世界報(bào)》報(bào)道,硬幣和紙幣已幾乎從中國(guó)日常生活中消失。從超市、咖啡館到公共交通,如今絕大多數(shù)支付都僅通過微信支付和支付寶等移動(dòng)應(yīng)用完成。

The two platforms have become essential tools for daily living in the world’s second-largest economy, the outlet said on Saturday. Their logos are displayed at virtually every checkout, and many businesses no longer use traditional cash registers. Instead, vendors scan a QR code on the customer’s smartphone to complete the sale.

這家媒體上周六稱,這兩個(gè)支付平臺(tái)已成為全球第二大經(jīng)濟(jì)體中日常生活的必備工具。它們的標(biāo)識(shí)幾乎出現(xiàn)在每個(gè)收銀臺(tái),許多商家已不再使用傳統(tǒng)收銀機(jī)。取而代之的是,商戶通過掃描顧客智能手機(jī)上的二維碼來完成交易。

Only the oldest shoppers still use coins and notes, the outlet said, noting that across the rest of Chinese society, cash has virtually vanished.

報(bào)道指出,如今只有最年長(zhǎng)的購(gòu)物者仍在使用硬幣和紙幣,而在中國(guó)社會(huì)的其他群體中,現(xiàn)金已幾乎絕跡。

The shift is especially visible in urban markets, where even fruit and vegetable sellers rely on mobile payments. Most taxi drivers no longer accept cash, and many small neighborhood shops lack the ability to provide change, discouraging cash transactions altogether.

這種轉(zhuǎn)變?cè)诔鞘惺袌?chǎng)中尤為明顯,甚至連蔬果攤販都依賴移動(dòng)支付。大多數(shù)出租車司機(jī)不再接受現(xiàn)金,許多社區(qū)小店無法提供找零,這徹底抑制了現(xiàn)金交易。

The dominance of WeChat and Alipay has diminished the role of traditional banking services for many young Chinese, who often only engage with banks for tasks like obtaining mortgages. In response, China’s central bank has accelerated the development of a digital currency, the digital yuan, aiming to maintain monetary control amid the rise of private payment platforms. Pilot programs began in several cities in 2019, with a smartphone app launching in 2022. Despite claims of 260 million accounts opened, the digital yuan remains largely absent from daily life, overshadowed by the convenience of existing apps.

微信和支付寶的普及削弱了傳統(tǒng)銀行服務(wù)對(duì)許多中國(guó)年輕人的影響,他們通常只在辦理房貸等業(yè)務(wù)時(shí)才會(huì)與銀行打交道。作為應(yīng)對(duì),中國(guó)人民銀行加速推進(jìn)數(shù)字貨幣——數(shù)字人民幣的研發(fā),旨在私營(yíng)支付平臺(tái)崛起的背景下保持貨幣控制權(quán)。2019 年多個(gè)城市啟動(dòng)試點(diǎn),2022 年推出智能手機(jī)應(yīng)用程序。盡管官方宣稱已開通 2.6 億個(gè)賬戶,但在現(xiàn)有支付應(yīng)用的便捷性面前,數(shù)字人民幣在日常生活中仍難覓蹤影。

Efforts to promote the digital yuan have faced challenges, including the 2024 arrest of Yao Qian, a former official responsible for digital currency research, on corruption charges involving tech companies. Nonetheless, China’s central bank continues to advocate for the digital yuan’s global expansion, aiming to reduce reliance on the US dollar and promote a multi-currency international system.

數(shù)字人民幣的推廣面臨諸多挑戰(zhàn),包括 2024 年數(shù)字貨幣研究前負(fù)責(zé)人姚前因涉及科技公司腐敗案被捕。盡管如此,中國(guó)人民銀行仍繼續(xù)推動(dòng)數(shù)字人民幣的全球化布局,旨在降低對(duì)美元的依賴并促進(jìn)多元貨幣國(guó)際體系。