难道中国如此落后以至于他们不使用和不了解信用卡吗? 这是一个美国网友的提问。中国并不落后于使用信用卡。实际上，中国已经成为全球最大的信用卡市场之一，拥有庞大的信用卡用户群体。
中国的支付市场在过去几年发生了巨大变革，这些变革使得移动支付变得更加普遍和方便。中国有两个主要的移动支付平台——支付宝和微信支付，它们已经成为人们生活中不可或缺的支付方式。此外，政府还推广了银联借记卡，这是一种借记卡，与信用卡相似，但直接与银行账户连接，不需要使用信用额度。
其次，中国的消费习惯也是电子支付流行的原因之一。在中国，许多消费者更喜欢使用移动支付或扫码支付，因为它们方便快捷，而且可以在很多地方使用，如商店、餐厅、公共交通等。但这样便捷的支付方式并未被老外所知，他们大多都以为我们的信用体系不健全，所以信用卡支付并不完善。以下是美国网友对这个话题的提问与各国网友的回复。让我们来看看他们是怎么说的吧。
论坛话题
美国网友Chris Garcia的观点
Congratulations, Vazeha Lakanese, on posting one of the stupidest questions ever seen on Quora. It takes severe mental illness to even imagine that China doesn’t have a well-developed credit card system already in place.
恭喜Vazeha Lakanese，在Quora上发布了有史以来最愚蠢的问题之一。只有患有严重精神疾病的人才会想到，中国还没有完善的信用卡系统。
For at least the past 30 years China has had a credit card system that is, in many ways, even better than the system in place in the US. In approximately 1993 China started out with a Visa card that was what we might term a quasi credit card. The card is linked to your normal bank account and earns interest on your account balance, but also allows you to spend via what we might call a modest overdraft line of credit. Given that Chinese people have not developed an addiction to credit as many in the US have, people in China generally prefer to spend their own money and not borrow from the bank.
至少在过去30年里，中国的信用卡体系在许多方面甚至比美国现有的体系更好。大约在1993年，中国开始发行Visa卡，也就是我们所说的准信用卡。该卡与你的正常银行账户挂钩，从你的账户余额中赚取利息，但也允许你通过我们所谓的适度透支信贷额度来消费。鉴于中国人还没有像很多美国人那样对信贷上瘾，中国人通常更喜欢花自己的钱，而不是向银行借钱。
A year or so later, China introduced an actual dual currency credit card. The card could be used inside of China via the UnionPay network and overseas via either the Visa, MasterCard or American Express network. Also, UnionPay has had a relationship with Discover which for approximately 25 years now has allowed all UnionPay credit cards to be used anywhere in the US that accepts Discover as well as giving Discover access to the Chinese market.
大约一年后，中国推出了真正的双货币信用卡。该信用卡在中国境内可通过银联网络使用，在海外可通过Visa、万事达或美国运通网络使用。此外，银联与Discover已经建立了约25年的合作关系，允许所有银联信用卡在美国任何接受Discover的地方使用，并允许Discover进入中国市场。
Now China has at least 3 times the number of credit cards in existence than the US and Canada combined. Also, default rates in China are infinitesimal compared to the US. China also has two major e-payment apps that each make Apple Pay look like a joke.
现在中国的信用卡数量至少是美国和加拿大加起来的3倍。此外，与美国相比，中国的违约率非常低。中国还有两大电子支付应用，它们都让苹果支付看起来像个笑话。
Other benefits to the Chinese credit card system that leave the US system looking bad is the fact that there is rarely an annual fee and with those few cards that do have an annual fee it is very easy to get the fee waived. Also, Chinese banks are not trigger happy in closing accounts like US banks are. Unlike US banks, Chinese banks seldom close accounts for prolonged non-use, for going over your limit or for making the occasional late payment.
中国信用卡系统的另一个让美国信用卡系统看起来很糟糕的好处是，它很少收取年费，而且有少数几张确实收取年费的卡，很容易就能免除这笔费用。此外，中国的银行不像美国银行那样乐于关闭账户。与美国的银行不同，中国的银行很少因为长期不用、超过限额或偶尔逾期付款而关闭账户。
While certainly not perfect, the Chinese credit card system is several light years better that the world’s shittiest: Iran, India & Pakistan.
虽然肯定不完美，但中国的信用卡系统比世界上最糟糕的国家——伊朗、印度和巴基斯坦——好了好几光年。
美国网友Fred Chuatiuco的观点
Vazeha, you claim to be a China expert? You must also consider yourself a finance expert. You need a lot of catching up to do.
瓦泽哈，你自称是中国专家?你还必须认为自己是一位金融专家。你需要好好补一下功课。
China is actually light years ahead of all Western countries - finance-wise. They leapfrogged the credit cards and went directly to direct bank account charges (with QR codes) and are now a cashless society. Furthermore, they’re into the next generation finance with their own national digitized currency eYuan that will be instrumental to the establishment of an alternative global trade credit system using a digitized platform.
在金融方面，中国实际上领先所有西方国家数光年。他们跳过了信用卡，直接向银行账户直接收费(使用二维码)，现在是一个无现金的社会。此外，他们还通过自己的国家数字化货币eYuan进入了下一代金融，这将有助于建立一个使用数字化平台的替代全球贸易信用体系。
In the meantime, the West is stuck with its credit card industry and unable to move forward.
与此同时，西方国家受困于信用卡行业，无法向前迈进。
Just use common sense to consider this: this is a billion dollar cash-cow industry for Western commercial banks, why would they want to give up such a lucrative business to move on to a digitized world that would certainly outlaw the usurious rate and charges that they’re now earning? The banking system has been fighting tooth and nail to retain the status quo. It’s unfortunate that this system is victimizing the people lest able to afford this financial burden - the working class that has grown accustomed to using credit card debt to supplement getting by with today’s increasing cost of living.
只要用常识来思考一下:这是西方商业银行一个价值10亿美元的摇钱树行业，他们为什么要放弃这样一个利润丰厚的业务，转向一个肯定会取缔他们现在所赚的高利贷利率和费用的数字化世界?银行系统一直在拼命维持现状。不幸的是，这个制度正在使那些无力负担这种经济负担的人受害——工人阶级已经习惯于使用信用卡债务来弥补今天日益增长的生活成本。
新加坡网友的观点
This question is very rudely written.
这个问题写得很粗鲁。
It is not about being “backwards” it is about the fast development of China and that the system is different.
这不是关于“落后”，而是关于中国的快速发展和制度的不同。
In The West, particularly in the US, the system is built on access to credit. It is relatively easy to obtain a credit card even if you have bad credit and the banks make a lot of money on people who do not pay their bill in full at the end of the month. Just making the minimum payment keeps the account active but does not pay principal and interest. It is also easier to obtain a loan for various purposes.
在西方，尤其是在美国，金融体系建立在获得信贷的基础上。即使你的信用不好，银行也会从那些月底不付清账单的人身上赚很多钱，获得一张信用卡还是相对容易的。只支付最低还款额就可以保持账户活跃，但不用支付本金和利息。它也更容易获得各种用途的贷款。
In China, mobile payments is much bigger and more convenient than credit cards. The ecosystem is dominated primarily by Tencent’s WeChat Pay and Alibaba’s Alipay. Friends reimburse each other through these systems. Such are linked to bank accounts. Merchants accept payment through these platforms. Newly up and coming is the government’s digital currency which is not crypto, it’s just a digital form of currency.
在中国，移动支付的规模比信用卡大得多，也更方便。这个生态系统主要由腾讯的微信支付和阿里巴巴的支付宝主导。朋友之间通过这些系统互相补偿。这些都与银行账户挂钩。商家通过这些平台接受付款。最新出现的是政府的数字货币，它不是加密货币，它只是一种数字形式的货币。
These digitial payments emerged as online shopping and purchases became popular and people had difficulty with not being able to pay. Access to credit is complex and limited. Credit cards do exist but are less popular with lower credit lines and it is much more difficult to obtain.
这些数字支付是随着网上购物和购物变得流行，人们无法支付而出现的。获得信贷的途径既复杂又有限。信用卡确实存在，但由于信用额度较低，不太受欢迎，而且更难获得。
This is different because people primarily spend money that they have for everyday purchases and will finance a big long term item like a car (although I don’t agree with this because it goes down in value quickly) or an apartment (and I have financial related reasons to not agree with purchasing one in China), but that’s not the point.
这是不同的，因为人们主要是把钱花在日常购买上，并且会为一辆汽车(尽管我不同意这一点，因为它会很快贬值)或一套公寓(我有经济方面的原因不同意在中国购买一套公寓)等大型长期项目提供资金，但这不是重点。
There is some overlap, however, as many restaurants, shops, hotels, and other merchants do take foreign credit cards.
然而，有一些重叠，因为许多餐馆、商店、酒店和其他商家都接受外国信用卡。
美国网友的观点
As a foreigner I have noticed that the Chinese rarely use credit cards. It is cash or we Chat/Alipay via their phone. even before We Chat pay Cash seemed to be the most used way to pay.
作为一个外国人，我注意到中国人很少使用信用卡。现金支付，或者我们通过他们的手机聊天/支付宝支付。甚至在微信支付之前，现金似乎是最常用的支付方式。
We Chat pay became very popular very very quickly. In fact, I would say the overwhelming majority of transactions I see are using the phone. I even went for about 3 months without carrying any cash on me. But about two weeks ago someone paid me in cash so I started paying for some of my purchases in cash. I had two incidents where the street vendor did not have change for a 100 yuan note and asked if I would use We Chat to pay. So We Chat pay is very popular.
我们聊天付费很快变得非常流行。事实上，我想说，我看到的绝大多数交易都是通过电话进行的。我甚至有3个月没带现金。但是大约两周前，有人给我现金付款，所以我开始用现金买一些东西。我遇到过两次这样的情况:摊贩没有零钱换100元，问我是否可以用微信支付。所以微信付费很受欢迎。
Why so popular, the obvious reason is convenience. It can be faster to pay via We Chat than with cash. But it is also very very inexpensive. The transaction fee is less than a 0.01 USD. One advantage of China is that the government runs the banking system so there is no Privately run credit clearinghouse that every transaction has to go through with the obligatory 3% credit card handling fee. Nor any monthly minimums or equipment to purchase to take these transactions. IF you have a phone you can transact money.
为什么这么受欢迎，显而易见的原因是方便。通过微信支付比现金支付更快。但它也非常非常便宜。交易费用不到0.01美元。中国的一个优势是政府运营银行系统，因此没有私人经营的信用清算所，每笔交易都必须通过3%的信用卡手续费。也没有任何每月最低限额或设备来购买这些交易。如果你有一部手机，你就可以进行货币交易。
So it is cheap, convenient and fast and easy to set up!
所以它便宜，方便，快捷，容易操作!
英国网友Francine Rizza的观点
Goodness, questions like this are so silly that they truly blow me away and obviously the person asking such a question is either just a stirer or has never ever stepped foot in China!
天哪，这样的问题太愚蠢了，真的让我大吃一惊。很明显，问这个问题的人要么只是个搅蛋者，要么从来没有踏足过中国!
Let me tell you this, China is no backward country, it is one of the most advance countries in the entire world. I was speaking to Chinese friends here in Australia last night about their monetary system back home and they told me that paper money is no longer used in China, instead everything is paid via wechat on their mobile/Cell phone, they said, you just tap and it scans the product and it is paid! But what if I come over the border from Vietnam? they answered, then you would need to have a loaded card of some sort that you could tap to pay in Yuan. Then I asked, but what about poor people? how can they afford a phone? They said in China everyone can afford a phone.
我可以告诉你们，中国不是落后的国家，而是世界上最先进的国家之一。昨晚我在澳大利亚和中国朋友聊起他们国内的货币体系，他们告诉我中国已经不再使用纸币了，所有的东西都是通过手机微信支付的。你只要点击一下，它就会扫描商品，然后付款!但如果我从越南越境过来呢?他们回答说，然后你需要有一张充值卡，这样你就可以用人民币支付了。然后我又问，那穷人呢?他们怎么买得起电话?据说在中国，人人都买得起手机。
Perhaps it is we who are backward!
也许是我们落后了!
澳洲网友的观点
Questions like this makes me wonder what the world am I living in.
这样的问题让我想知道我生活在一个什么样的世界。
China actually “very forward” if you ask me. I mean by “very forward” they already started using e-payments (form of digital payments). Some citys still support credit card by is rare considering most moved to digital payment.
如果你问我，我觉得中国其实“非常前卫”。我的意思是“非常超前”，他们已经开始使用电子支付(数字支付形式)。考虑到大多数城市都转向了数字支付，一些城市仍然支持信用卡。
Meanwhile Western and many other countries still uses credit card or cash. The only thing that may be close to China is Crypto? But even that Crypto payment has been widely deployed worldwide.
与此同时，西方国家和许多其他国家仍然使用信用卡或现金。唯一可能接近中国的是Crypto?但即使是这种加密支付也已在全球广泛部署。
For many parts of the world, credit card is still a lucrative business for the banks. There were they rake in all the money.
在世界上许多地方，信用卡仍然是银行利润丰厚的业务。他们在那里赚了所有的钱。
新加坡网友Yong Jian-Yi的观点
China blocked the entry of Visa and Mastercard into China, electing to produce their own ‘home grown’ system, Unionpay
中国阻止Visa和万事达进入中国，选择建立自己的“本土”系统——银联
With the advent of many app based payment system such as Alipay, Wechat pay, etc. China isn’t lacking in the convenience of a credit card system, perhaps even more convenient. They are also developing the e-RMB or Digital Yuan that will make it even more simpler, if it turned out to be successful. Many countries will adopt a similar system.
随着许多基于应用程序的支付系统的出现，如支付宝，微信支付等。中国并不缺乏信用卡系统的便利，甚至可能更方便。他们还在开发电子人民币或数字人民币，如果成功的话，将使其变得更加简单。许多国家将采用类似的制度。
Imagined if China had allowed Visa and Mastercard into their market, and it became established within China. The Americans will use it to spy on China, and as a tool of economic warfare.
想象一下，如果中国允许Visa和万事达进入他们的市场，它就会在中国建立起来。美国人会用它来监视中国，并将其作为经济战的工具。
中国网友的观点
No, China is not a country that is "backwards" when it comes to credit cards. In fact, China has one of the largest and most sophisticated electronic payment systems in the world. While cash is still widely used in some parts of the country, electronic payment methods have become increasingly popular in recent years.
不，在信用卡方面，中国并不是一个“落后”的国家。事实上，中国拥有世界上最大、最复杂的电子支付系统之一。虽然现金在国内一些地区仍被广泛使用，但电子支付方式近年来越来越受欢迎。
One of the most popular electronic payment methods in China is the mobile payment app, such as Alipay and WeChat Pay. These apps allow users to pay for goods and services using their mobile phones, and are widely accepted by merchants across the country. In fact, mobile payments have become so prevalent in China that it's not uncommon for even small street vendors to accept them.
在中国最流行的电子支付方式之一是移动支付应用程序，如支付宝和微信支付。这些应用程序允许用户用手机支付商品和服务，并被全国各地的商家广泛接受。事实上，移动支付在中国已经非常普遍，甚至连小摊贩都能接受。
Credit cards are also widely accepted in China, especially in major cities and tourist destinations. Visa, Mastercard, and other international credit cards are accepted at many hotels, restaurants, and retail stores. However, it's worth noting that some smaller merchants may not accept credit cards, and that mobile payments may still be the preferred payment method in some areas.
信用卡在中国也被广泛接受，尤其是在大城市和旅游目的地。许多旅馆、饭店和零售商店都接受维萨卡、万事达卡和其他国际信用卡。然而，值得注意的是，一些较小的商家可能不接受信用卡，在某些地区，移动支付可能仍然是首选的支付方式。
In summary, China is not a country that is "backwards" when it comes to electronic payments or credit cards. In fact, China has a highly developed electronic payment system that is widely used by both consumers and merchants. China is already a cashless society.
总之，在电子支付或信用卡方面，中国并不是一个“落后”的国家。事实上，中国拥有高度发达的电子支付系统，消费者和商家都广泛使用。中国已经是一个无现金社会。
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