双语 | 移动支付这么厉害，无现金化排名中国才第6

双语 | 移动支付这么厉害，无现金化排名中国才第6

摘要

据国外媒体报道，市场研究机构Forex Bonuses近日评出全球十大在非现金交易方面领先的国家，加拿大、瑞典和英国分列前三甲，而中国仅排第六。 The rankings were based on six metrics: the numbe......据国外媒体报道，市场研究机构Forex Bonuses近日评出全球十大在非现金交易方面领先的国家，加拿大、瑞典和英国分列前三甲，而中国仅排第六。

The rankings were based on six metrics: the number of credit cards per person; the number of debit cards per person; the cards in issue that have contactless functionality; the growth of cashless payments over the past five years; payment transactions made using non-cash methods; and the number of people that are aware of what mobile payments options they have available to use.

排名主要看六大指标：人均信用卡数、人均储蓄卡数、上述两种卡中的无密码支付情况、过去五年无现金支付情况、无现金支付方式、使用移动支付人数。

Canada topped the table because its citizens have more than two credit cards per person, and the majority (57pc) of payments are made using cashless methods. However, it had the lowest number of debit cards per capita of all countries included in the research, and only 26pc of its debt cards have contactless functionality.

加拿大位列榜首。加拿大人均信用卡量超过两张，大部分支付方式都为无现金。但是，加拿大的人均储蓄卡量是20国中最低的，只有26%的储蓄卡可无密码支付。

In Sweden, 59pc of consumer transactions are completed through non-cash methods, and 47pc of citizens are aware of the types of mobile payment services available to them, making it the second most cashless country in the world, according to Forex Bonuses.

瑞典有59%的支付方式都是无现金支付，瑞典人中47%了解种种可用移动支付方式，瑞典因此成为世界第二大无现金国家。

The UK is the third most cashless society in the world, In the UK, 41pc of cards have contactless functionality, and British consumers own 1.48 debit cards per capita, pushing it to third place in the charts.

英国是世界第三大无现金化国家。在英国，41%的银行卡可进行无密码支付，英国人均储蓄卡数为1.48张，位列榜单第三。

China ranks at number six in the list. While the Asian superpower has strong scores for many metrics, it is let down by a lack of credit card usage and a high remaining prevalence for cash payments, using cashless methods for only 10pc of transactions.

中国位列第六。这个亚洲大国各项指标都成绩不菲，独独缺少信用卡使用量，现金支付仍是大部头，无现金支付方式只占总交易支付方式的10%。

Overall, Beijing ranked first in the penetration of a cashless society, followed by Shenzhen, Guangzhou and Shanghai.The cities of Dongguan and Foshan were the dark horses in the top 10, ranking sixth and 10th, respectively.

而在中国国内，北京在无现金社会渗透方面排名第1，其次是深圳、广州和上海。东莞、佛山分别以第6、第10的排名成为榜单前10名中的黑马。

About 14 percent people don't carry any cash when they go out, as mobile payments replace wallets in China. Another 26 percent consumers carry less than 100 yuan and about 74 percent said they can survive for over one month with only 100 yuan cash in their pocket, and 84% were "comfortable" going out with only mobile phones, no cash.

约14%的中国人外出时不携带任何现金，因为在中国移动支付取代了钱包。另有26%的消费者携带的现金不超过100元；约74%的受访者表示，口袋里只装100元钱就可以够他们生活一个多月了；84%的受访者对出门只带手机不带现金感到很“惬意”。

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