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Giản thể: 移动支付在中国
在国外生活了四年再回到中国后，我发现人们的支付方式发生了很大变化。以前买东西时，一般都需要用现金付钱。而现在，我的朋友们出门时都不带钱包，需要付钱时，就通过手机“扫一扫”，用移动支付的方式买单。我对此感到非常惊讶，因为我在国外根本没有见过这种支付方式。
移动支付的确非常方便。在中国，人们最常用的支付软件是“微信支付”和“支付宝”。“微信”是腾讯公司开发的一款用于通讯和社交的软件，在中国有着非常庞大的使用人群，我们在以前的慢速中文播客中也曾介绍过。“支付宝”是阿里巴巴集团的产品，这个集团同时也拥有中国最大的购物网站——淘宝网。除了“微信支付”和“支付宝”这两个软件外，百度钱包和京东钱包也有一定数量的用户。具体的操作方式是，将银行卡和支付软件绑定，付款时拿出手机，扫描商家提供的二维码，或者让商家扫描支付软件中的支付码，很快就能支付成功了。
现在，几乎所有的购物场所，哪怕是路边的水果摊，都可以使用移动支付。另外，人们还可以通过各种APP，享受外卖、上门维修、预定出租车、使用共享单车等服务，当然也都可以进行移动支付。此外，还可以用移动支付软件给别人转账，和朋友进行AA制平摊付款，付电费、水费、燃气费，给手机充值等等。
正是因为这些支付软件的涌现，中国的电子商务越来越繁荣了。为什么网络支付平台能在中国如此快速地发展起来呢？一个原因是在中国，信用卡出现的比较晚，并没有那么普及。另一个原因是中国的手机用户数量排在世界第一，90%的中国人是手机网民，所以中国人可以很快进入移动支付时代。一些分析家因此预测，中国很可能成为第一个停止使用纸币的国家。你对移动支付怎么看？在你所居住的地方有移动支付吗？欢迎大家留言讨论！
Phồn thể: 移動支付在中國
在國外生活了四年再回到中國後，我發現人們的支付方式發生了很大變化。以前買東西時，一般都需要用現金付錢。而現在，我的朋友們出門時都不帶錢包，需要付錢時，就通過手機“掃一掃”，用移動支付的方式買單。我對此感到非常驚訝，因為我在國外根本沒有見過這種支付方式。
移動支付的確非常方便。在中國，人們最常用的支付軟件是“微信支付”和“支付寶”。 “微信”是騰訊公司開發的一款用於通訊和社交的軟件，在中國有著非常龐大的使用人群，我們在以前的慢速中文播客中也曾介紹過。 “支付寶”是阿里巴巴集團的產品，這個集團同時也擁有中國最大的購物網站——淘寶網。除了“微信支付”和“支付寶”這兩個軟件外，百度錢包和京東錢包也有一定數量的用戶。具體的操作方式是，將銀行卡和支付軟件綁定，付款時拿出手機，掃描商家提供的二維碼，或者讓商家掃描支付軟件中的支付碼，很快就能支付成功了。
現在，幾乎所有的購物場所，哪怕是路邊的水果攤，都可以使用移動支付。另外，人們還可以通過各種APP，享受外賣、上門維修、預定出租車、使用共享單車等服務，當然也都可以進行移動支付。此外，還可以用移動支付軟件給別人轉賬，和朋友進行AA制平攤付款，付電費、水費、燃氣費，給手機充值等等。
正是因為這些支付軟件的湧現，中國的電子商務越來越繁榮了。為什麼網絡支付平台能在中國如此快速地發展起來呢？一個原因是在中國，信用卡出現的比較晚，並沒有那麼普及。另一個原因是中國的手機用戶數量排在世界第一，90%的中國人是手機網民，所以中國人可以很快進入移動支付時代。一些分析家因此預測，中國很可能成為第一個停止使用紙幣的國家。你對移動支付怎麼看？在你所居住的地方有移動支付嗎？歡迎大家留言討論！
Pinyin: Yídòng zhīfù zài zhōngguó
Zài guówài shēnghuóle sì nián zài huí dào zhōngguó hòu, wǒ fāxiàn rénmen de zhīfù fāngshì fǎ shēng le hěn dà biànhuà. Yǐqián mǎi dōngxī shí, yībān dōu xūyào yòng xiànjīn fù qián. Ér xiànzài, wǒ de péngyǒumen chūmén shí dōu bù dài qiánbāo, xūyào fù qián shí, jiù tōngguò shǒujī “sǎo yī sǎo”, yòng yídòng zhīfù de fāngshì mǎidān. Wǒ duì cǐ gǎndào fēicháng jīngyà, yīnwèi wǒ zài guówài gēnběn méiyǒu jiànguò zhè zhǒng zhīfù fāngshì.
Yídòng zhīfù díquè fēicháng fāngbiàn. Zài zhōngguó, rénmen zuì chángyòng de zhīfù ruǎnjiàn shì “wēixìn zhīfù” hé “zhīfùbǎo”.“Wēixìn” shì téngxùn gōngsī kāifā de yī kuǎn yòng yú tōngxùn hé shèjiāo de ruǎnjiàn, zài zhōngguó yǒuzhe fēicháng pángdà de shǐyòng rénqún, wǒmen zài yǐqián de màn sù zhōngwén bòkè zhōng yě céng jièshàoguò.“Zhīfùbǎo” shì ālǐ bābā jítuán de chǎnpǐn, zhège jítuán tóngshí yě yǒngyǒu zhòng guó zuìdà de gòuwù wǎngzhàn——táobǎo wǎng. Chúle “wēixìn zhīfù” hé “zhīfùbǎo” zhè liǎng gè ruǎnjiàn wài, bǎidù qiánbāo hé jīngdōng qiánbāo yěyǒu yīdìng shùliàng de yònghù. Jùtǐ de cāozuò fāngshì shì, jiāng yínháng kǎ hé zhīfù ruǎnjiàn bǎng dìng, fùkuǎn shí ná chū shǒujī, sǎomiáo shāngjiā tígōng de èr wéi mǎ, huòzhě ràng shāngjiā sǎomiáo zhīfù ruǎnjiàn zhōng de zhīfù mǎ, hěn kuài jiù néng zhīfù chénggōngle.
Xiànzài, jīhū suǒyǒu de gòuwù chǎngsuǒ, nǎpà shì lù biān de shuǐguǒ tān, dōu kěyǐ shǐyòng yídòng zhīfù. Lìngwài, rénmen hái kěyǐ tōngguò gè zhǒng APP, xiǎngshòu wàimài, shàngmén wéixiū, yùdìng chūzū chē, shǐyòng gòngxiǎng dānchē děng fúwù, dāngrán yě dõu kěyǐ jìnxíng yídòng zhīfù. Cǐwài, hái kěyǐ yòng yídòng zhīfù ruǎnjiàn gěi biérén zhuàn zhàng, hé péngyǒu jìnxíng AA zhì píng tān fùkuǎn, fù diànfèi, shuǐ fèi, ránqì fèi, gěi shǒujī chōngzhí děng děng.
Zhèng shì yīnwèi zhèxiē zhīfù ruǎnjiàn de yǒngxiàn, zhōngguó de diànzǐ shāngwù yuè lái yuè fánróngle. Wèishéme wǎngluò zhīfù píngtái néng zài zhōngguó rúcǐ kuàisù de fāzhǎn qǐlái ne? Yīgè yuányīn shì zài zhōngguó, xìnyòngkǎ chūxiàn de bǐjiào wǎn, bìng méiyǒu nàme pǔjí. Lìng yīgè yuányīn shì zhōngguó de shǒujī yònghù shùliàng pái zài shìjiè dì yī,90%de zhōngguó rén shì shǒujī wǎngmín, suǒyǐ zhōngguó rén kěyǐ hěn kuài jìnrù yídòng zhīfù shídài. Yīxiē fēnxī jiā yīncǐ yùcè, zhōngguó hěn kěnéng chéngwéi dì yī gè tíngzhǐ shǐyòng zhǐbì de guójiā. Nǐ duì yídòng zhīfù zěnme kàn? Zài nǐ suǒ jūzhù de dìfāng yǒu yídòng zhīfù ma? Huānyíng dàjiā liúyán tǎolùn!
English: Mobile Payments in China
When I returned to China after living four years abroad, I discovered a great change had taken place. In the past when you were buying things you would generally need cash to pay. But now you can use online payment methods to get the bill just about anywhere you go. When I had just arrived back in China I noticed that my friends didn’t take their purse/wallet when they went out: when they need to pay for something, they just take out their phone and scan it. I was very surprised by this because abroad I didn’t see this payment method at all.
Mobile payment is indeed very convenient. In China, the most commonly used payment software is Wechat Pay (微信支付 – wēixìnzhīfù), and Alipay (支付宝 – zhīfùbǎo). Wechat (needed to use Wechat Pay) is an app released by Tencent Holdings Pty. Ltd. with a massive group of users in China, used for communication and social networking. We’ve introduced this in previous Slow Chinese podcasts (#68, #88, #147). ‘Alipay’ is a product of the Alibaba Group (阿里巴巴集团 – ālǐbābā jítuán). This group also owns China’s largest shopping website, Taobao Marketplace (淘宝网 – táobǎo wǎng). Besides Wechat Pay and Alipay, Baidu Wallet (百度钱包 – bǎidù qiánbāo) and JD Pay (京东支付 – jīngdōng zhīfù) also have a certain number of users. The way it works is this: you link, or ‘bind’ (绑定 – ‘bǎngdìng) a bank card with one of these apps. Then when it’s time to pay you take out your phone and scan the QR Code (二维码 – èrwéimǎ) provided by the vendor, or let the vendor scan the payment code within the app, and the payment can very quickly be approved.
Nowadays you can use mobile payment at almost every shopping place, even at fruit stands on the side of the road. Additionally, through these many apps people can enjoy services like food delivery, home repairs, pre-booking taxis, and public bicycles. These are all of course also operating on mobile payment. Besides goods and services, mobile payment software can be used to transfer funds to others, split a payment with friends, pay electricity bills, water bills and gas bills, and top up your mobile phone etc.
It is precisely due to the emergence of these few kinds of payment software that China’s e-commerce is becoming ever more prosperous. So why is it that in China, online payment platforms can develop so quickly? One reason is that in China credit cards arrived relatively late, and are certainly not very widespread. Another reason is that China has the world’s highest number of mobile phone users, with 90% of Chinese being mobile-internet users. This means that the Chinese are able to very quickly enter the age of mobile payment. As a result a few analysts have predicted that China has a very good chance of being the first nation to cease using paper currency. What are your views on mobile payments? Do they have mobile payments where you live? Feel welcome to leave a comment and discuss!
Zak Gray (zakalternative@gmail.com)
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