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李顯龍說在中國出門“不怕口袋沒錢,只怕手機沒電”,為什么?


新加坡總理李顯龍將于9月19日至21日對中國進行正式訪問。16日,李顯龍總理在新加坡接受了新華網專訪。采訪中,李顯龍提到,在中國出門“不怕口袋沒錢,只怕手機沒電”。為什么這么說呢?

李顯龍:在中國出門“不怕口袋沒錢,只怕手機沒電”,提倡新加坡學習中國電子支付

 

 

The Republic ought to learn from China’s advances in electronic payment systems, which are arguably the “most sophisticated and commonly adopted” in the world, Prime Minister Lee Hsien Loong has said.

新加坡總理李顯龍說,中國的電子支付系統在全世界可能是“最先進、最普遍的”,我們國家應該學習中國在電子支付系統方面的先進成果。

 

In a recent interview with Xinhuanet, the online portal of the official Xinhua news agency, Mr Lee was asked about Singapore’s Smart Nation initiative and his comments at this year’s National Day Rally, where he said the Republic was lagging behind China in the area of e-payments.

李顯龍總理最近在接受新華網采訪時被問及新加坡的“智慧國家2025計劃”及其對2017年新加坡國慶群眾大會的看法。在國慶群眾大會演講中,李顯龍提到在電子支付領域,新加坡已落后于中國。

 

He cited examples of how even Chinese roadside hawkers took payments via the WeChat Pay and AliPay mobile apps — the two dominant e-payment services in China — and how Chinese tourists in Singapore found it “backward” that they still had to use cash for purchases here.

他還提到,甚至中國的路邊攤都接受中國的兩大電子支付服務移動端app——微信和支付寶支付,當中國游客發現在新加坡必須使用現金時,他們會問,“新加坡怎么這么落后?”

 

“I want to encourage Singaporeans to learn from China’s experience. If they can do it, so can we,” Mr Lee told Xinhuanet in Mandarin on Saturday (Sept 16), ahead of his official visit to China from Tuesday until Thursday.

9月16日,李顯龍在接受新華網采訪時,用普通話說道:“我想激勵新加坡人,中國能夠這么做,我們應該學習他們、借鑒他們的經驗,應該也可以做得到。”隨后,他將于9月19日至21日對中國進行正式訪問。

 

He added: “Friends tell me China no longer uses cash, and relies on WeChat Pay or AliPay for payments.

“我朋友告訴我,中國現在都已經不用現金了,都是用支付寶或者是微信支付。” 他又說道。

 

“People now say they are not afraid of leaving home without cash in their pockets, but are only worried that the batteries on their mobile phones might run out.”

“所以出門人家說‘不怕口袋沒錢,只怕手機沒電’。”

 

Mr Lee said Singapore is working hard to catch up, but acknowledged that the country was not there yet.

李顯龍稱,我們還沒有達到這個境界,我們還在努力。

 

Among the new e-payment initiatives in the works is the development of a common QR code by the end of the year.

新加坡正致力于推行新的電子支付舉措,計劃到今年年底新加坡能普遍采用二維碼進行付費。

 

It will allow consumers to pay electronically anywhere just by flashing their smartphones.

這樣消費者只需揮揮智能手機就可完成付款。

 

Meanwhile, China’s Alipay — the mobile payment company owned by Ant Financial — is expanding its presence in Singapore.

同時,螞蟻金服旗下的支付寶正在擴大在新加坡的業務。

 

It announced plans last month to launch a local e-wallet for Singapore consumers, following tie-ups with taxi operators Prime Taxis and ComfortDelGro to allow passengers to pay with Alipay.

今年8月,支付寶宣布針對新加坡消費者提供本地版電子錢包的計劃。在此之前,新加坡出租車公司Prime Taxis和康福德高已接受支付寶,支持乘客用支付寶支付。

 

“For Chinese tourists (taking cabs in Singapore), this will be convenient and make them feel at home,” said Mr Lee.

“如果你在新加坡打出租車的話,你可以用支付寶去支付,對中國旅客來說很方便,覺得這里好像家一樣。”李顯龍說道。

 

中國是最少使用現金的國家

 

 

In China, the traditional wallet has been replaced by an electronic wallet on a smartphone. It’s common to make all of your payments for daily needs through that smartphone, using one of two main electronic payment providers: WeChat Pay or Alipay. WeChat Pay is part of the WeChat messaging family, owned by Tencent, and Alipay is affiliated with Alibaba.

在中國,傳統意義上的錢包已被手機上的電子錢包所取代。通過手機端的兩大電子支付提供商——微信或支付寶來支付日常所有開銷,已是司空見慣的事。微信支付是騰訊公司微信通訊產品的一個功能,而支付寶是阿里巴巴旗下的產品。

 

It’s not just ease of use. These two tech behemoths have the reach and customer base to push their payment systems beyond their original e-commerce mission. Noodle shops will take electronic payments, and even street musicians have QR codes for donations. Whether you are paying your electricity bill or seeing a doctor, your mobile phone can handle the payment.

手機支付不僅易于操作。而且這兩大科技巨頭能夠借助龐大的客戶群體,將其支付系統從最初的電商模式推廣開來。各個面館將普及電子支付功能,甚至街頭藝人也提供二維碼,接受捐贈。無論是支付電子賬單還是看病,你都可以使用手機支付。

 

As a result, China is today the most cash-free of any of the world’s major economies – and that trend will continue. Already, the numbers are staggering. According to a survey by Ipsos and Tencent, 14% of Chinese people do not carry any cash, while 26% hold less than RMB100 (less than $16) in their wallets, day to day.

因此,中國目前成為世界主要經濟體中最少使用現金的國家,并且這個趨勢還將繼續保持。當前的數據已非常驚人。據益普索集團和騰訊公司的調查顯示,14%的中國人不隨身攜帶現金,26%的中國人每天隨身攜帶的錢包中的現金不足100元。

 

中國移動支付市場規模是美國的50倍

 

 

Mobile payments reached $5.5 trillion in China in 2016, representing more than half the country’s total gross domestic product.

2016年,中國的移動支付總額達5.5萬億美元(約合人民幣36.5萬億元,按年平均匯率6.6423測算),幾乎超過中國國內生產總值的一半。

 

That’s according to a report on the size of the mobile payment market in China, which it found is 50 times the size of mobile pay market in the U.S. Comparing the two countries in terms of digital payments may not be fair. In China, mobile payments are often made possible by a QR-code system. Such systems have failed to gain wide use in the U.S. The QR-code systems are inexpensive to implements and work with low-end devices, fueling the digital payment market in China. But as the report points out, it does show the mobile payment market in the U.S. is still a huge opportunity, with Apple’s Apple Pay holding a minority market share.

此數據來源于一份基于中國移動支付市場規模的報告,數據顯示,中國移動支付市場規模是美國的50倍。將這兩個國家的數字支付進行對比恐怕有失公平。在中國,移動支付通?慷S碼系統來支持,而這種系統在美國的使用范圍很小。二維碼系統價格低廉,并且能夠支持低端設備,因此在中國數字支付市場上頗受歡迎。但報告指出,這也說明了美國的移動支付市場尚有很大商機,蘋果公司的蘋果支付只占了少量市場份額。

 

The rise of Chinese mobile payments has been driven by the explosive growth of online shopping as well as internet financial services such as peer-to-peer lending and online money market funds. More than half of all mutual funds in China are now sold online, up from only 5 per cent in 2012.

中國移動支付的流行,得益于網購以及個人對個人(P2P)借貸、在線貨幣市場基金等互聯網金融服務的爆炸性增長。如今中國超過一半的共同基金是在網上發售的,2012年這個比例僅為5%。

 

China’s lead over the US in mobile payments is also the result of the lack of other viable options for non-cash payments. Credit card penetration in China is small compared to that of developed markets, while online payments with debit cards are cumbersome — usually requiring authentication through a combination of SMS messages, USB dongles and random code generators. By contrast, payment with Alipay or WeChat is much more streamlined and requires only the scan of a QR code from a retailer’s point-of-service terminal or a smartphone.

中國在移動支付方面領先于美國,也是缺乏其他可行的非現金支付方式的結果。與發達國家相比,中國的信用卡普及率較低,而用借記卡進行在線支付較為繁瑣,通常需要通過短信、U盾和隨機密碼等多重認證。相比之下,用支付寶或微信進行支付要簡單得多,只需要用零售商服務點終端或智能手機掃描一下二維碼即可。

 

受微信和支付寶啟發,移動支付在歐洲興起

 

 

While there has been some traction in mobile payments in Europe, it lags way behind what’s happening in China. One estimate from Forrester that describes mobile payments as about to ‘take off’ in Europe has the technology reaching $148 billion by 2021 — which pales into insignificance next to China, even when relative populations are taken into account.

雖然歐洲開始推動移動支付,但普及度依然不及中國。福雷斯特研究公司在一份評估報告中指出移動支付將在歐洲快速興起,預計到2021年這項技術完成的交易將達到1480億美元(約合人民幣9751億元),即使考慮到相對人口的因素,其影響力還是難以匹敵中國。

 

Smart retailers will see the potential opportunity this market holds. The number of tourists from China is increasing every year, with a recent study finding that by 2025, 90m Chinese tourists will visit Europe and that globally, they will spend over $255bn per year. And while tourism is very often about enjoying new cultural experiences, this doesn’t apply to payments. Even the most adventurous traveller visiting exotic locales will be far more comfortable when they are using a payment service they use at home. Being more comfortable means they’re far more likely to buy, and this comfort can be increased by making the price available in their own currency.

開明的零售商可以預見這一市場蘊含的潛在機遇。中國赴歐游客數量逐年增長,近期一份研究顯示到2025年將有9000萬中國游客到訪歐洲,他們每年的全球消費額將達到2550億美元(約合人民幣1.68萬億元)。旅游的意義往往在于享受全新的文化體驗,但人們在支付方式上卻不吃這一套。即使是最具冒險精神的游客,也會覺得在異域使用自己國家的支付服務要舒服得多。更貼心的感受意味著更有可能去消費,讓他們可以使用自己的貨幣進行支付恰恰是提升好感的方式。

 

 

For European retailers, mobile payments may be currently be a limited channel but WeChat and Alipay’s story shows how quickly the technology can spread. The ubiquity of mobile and the instant availability of an app means that consumers can get onboard instantly. Retailers that have the ability to accept mobile payments will be ahead of the curve.

對歐洲零售商而言,移動支付目前或許還是一種有限的渠道,但微信和支付寶的例子表明技術普及的速度是何等之快,手機的普及和觸手可得的app意味著消費者可以很快接受這些,所以能接受移動支付的商家也會引領潮流。


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