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"Cashless payment" is not a new concept. Some developed countries have already realized the large-scale "cashless payment" status. As of 2012, 84.2% of transactions in Denmark were completed by credit cards, while electronic wallets were also increasing rapidly. In addition, since January 1st this year, the Danish Central Bank has shut down all its printing money departments in Denmark and will no longer print and manufacture Danish Krone cash, including paper money and coins. The Danish government has also announced a series of programs, including a plan to repeal shops' legal requirements for physical cash, and clothing stores, restaurants and gas stations will gradually move into cashless times. Total cash transactions in other Western European countries are actually decreasing. Cashless payments are becoming mainstream.
China's cashless trading is spreading late. This is because the China long-term financial infrastructure is relatively backward, don't say a large area and rural areas lag behind in the two or three line of the city's many businesses and institutions have not achieved popularity of related facilities, such as POS. Therefore, cash payment is still the mainstream mode of payment. However, the market demand is real, and the potential is great. By the east wind of the Internet, the short board was filled. With the popularity of mobile phones, mobile payment has become the main channel and carrier of cashless payment. Therefore, what we see is China's "mobile payment" curve overtaking". It is important to point out that this is not a strong supply, but a hunger for demand.
Under this premise, "non cash payment" is not only the global payment trend, but also the normal demand of the Chinese market. For some Payment institutions, they do the same as the central bank's UnionPay or the Credit Card Department of the four banks, but they do not prevent other people or institutions from using cash. And the statement that "non cash payment" is a "refusal of RMB" is actually a misunderstanding, because the renminbi includes paper money and electronic accounting units, although they are different in form, but essentially the same. In fact, payment of electronic channels is easier to be explored, tracked and recorded. It is more convenient for monetary and financial management.
Of course, the change in the way of payment is not without new costs and problems. Electronic payment may involve information disclosure, hackers, and electronic payment platform may involve the opportunity for regulations "financial innovation", to escape the central bank clearing system, to escape the various regulators, the formation of mixed operation in fact, and even their own illegal derivatives and trading platform construction. But these are not the "cashless payment" itself is wrong, can not blindly blame the enterprises, and financial supervision departments need to strengthen their own consciousness and the era of convergence, new ideas to strengthen supervision and innovation balance, enhance their market governance capacity, which conform to the trend and catch up with the historical development, and ensure the market safe and stable operation, firmly grasp the systematic risk and the financial security of the bottom line. In the new age, we must catch up with the times, not the times.