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李显龙说在中国出门“不怕口袋没钱,只怕手机没电”,为什么?


新加坡总理李显龙将于9月19日至21日对中国进行正式访问。16日,李显龙总理在新加坡接受了新华网专访。采访中,李显龙提到,在中国出门“不怕口袋没钱,只怕手机没电”。为什么这么说呢?

李显龙:在中国出门“不怕口袋没钱,只怕手机没电”,提倡新加坡学习中国电子支付

 

 

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.

新加坡总理李显龙说,中国的电子支付系统在全世界可能是“最先进、最普遍的”,我们国家应该学习中国在电子支付系统方面的先进成果。

 

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.

李显龙总理最近在接受新华网采访时被问及新加坡的“智慧国家2025计划”及其对2017年新加坡国庆群众大会的看法。在国庆群众大会演讲中,李显龙提到在电子支付领域,新加坡已落后于中国。

 

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.

他还提到,甚至中国的路边摊都接受中国的两大电子支付服务移动端app——微信和支付宝支付,当中国游客发现在新加坡必须使用现金时,他们会问,“新加坡怎么这么落后?”

 

“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,李显龙在接受新华网采访时,用普通话说道:“我想激励新加坡人,中国能够这么做,我们应该学习他们、借鉴他们的经验,应该也可以做得到。”随后,他将于9月19日至21日对中国进行正式访问。

 

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

“我朋友告诉我,中国现在都已经不用现金了,都是用支付宝或者是微信支付。” 他又说道。

 

“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.”

“所以出门人家说‘不怕口袋没钱,只怕手机没电’。”

 

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

李显龙称,我们还没有达到这个境界,我们还在努力。

 

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电子支付举措,计划到今年年底新加坡能普遍采用二维码进行付费。

 

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

这样消费者只需挥挥智能手机就可完成付款。

 

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

同时,蚂蚁金服旗下的支付宝正在扩大在新加坡的业务。

 

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,支付宝宣布针对新加坡消费者提供本地版电子钱包的计划。在此之前,新加坡出租车公司Prime Taxis和康福德高已接受支付宝,支持乘客用支付宝支付。

 

“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车的话,你可以用支付宝去支付,对中国旅客来说很方便,觉得这里好像家一样。”李显龙说道。

 

中国是最少使用现金的国家

 

 

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.

在中国,传统意义上的钱包已被手机上的电子钱包所取代。通过手机端的两大电子支付提供商——微信或支付宝来支付日常所有开销,已是司空见惯的事。微信支付是腾讯公司微信通讯产品的一个功能,而支付宝是阿里巴巴旗下的产品。

 

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.

手机支付不仅易于操作。而且这两大科技巨头能够借助庞大的客户群体,将其支付系统从最初的电商模式推广开来。各个面馆将普及电子支付功能,甚至街头艺人也提供二维码,接受捐赠。无论是支付电子账单还是看病,你都可以使用手机支付。

 

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,中国目前成为世界主要经济体中最少使用现金的国家,并且这个趋势还将继续保持。当前的数据已非常惊人。据益普索集团和腾讯公司的调查显示,14%的中国人不随身携带现金,26%的中国人每天随身携带的钱包中的现金不足100元。

 

中国移动支付市场规模是美国的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,中国的移动支付总额达5.5万亿美元(约合人民币36.5万亿元,按年平均汇率6.6423测算),几乎超过中国国内生产总值的一半。

 

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.

此数据来源于一份基于中国移动支付市场规模的报告,数据显示,中国移动支付市场规模是美国的50倍。将这两个国家的数字支付进行对比恐怕有失公平。在中国,移动支付通常靠二维码系统来支持,而这种系统在美国的使用范围很小。二维码系统价格低廉,并且能够支持低端设备,因此在中国数字支付市场上颇受欢迎。但报告指出,这也说明了美国的移动支付市场尚有很大商机,苹果公司的苹果支付只占了少量市场份额。

 

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.

中国移动支付的流行,得益于网购以及个人对个人(P2P)借贷、在线货币市场基金等互联网金融服务的爆炸性增长。如今中国超过一半的共同基金是在网上发售的,2012年这个比例仅为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.

中国在移动支付方面领先于美国,也是缺乏其他可行的非现金支付方式的结果。与发达国家相比,中国的信用卡普及率较低,而用借记卡进行在线支付较为繁琐,通常需要通过短信、U盾和随机密码等多重认证。相比之下,用支付宝或微信进行支付要简单得多,只需要用零售商服务点终端或智能手机扫描一下二维码即可。

 

受微信和支付宝启发,移动支付在欧洲兴起

 

 

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.

虽然欧洲开始推动移动支付,但普及度依然不及中国。福雷斯特研究公司在一份评估报告中指出移动支付将在欧洲快速兴起,预计到2021年这项技术完成的交易将达到1480亿美元(约合人民币9751亿元),即使考虑到相对人口的因素,其影响力还是难以匹敌中国。

 

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.

开明的零售商可以预见这一市场蕴含的潜在机遇。中国赴欧游客数量逐年增长,近期一份研究显示到2025年将有9000万中国游客到访欧洲,他们每年的全球消费额将达到2550亿美元(约合人民币1.68万亿元)。旅游的意义往往在于享受全新的文化体验,但人们在支付方式上却不吃这一套。即使是最具冒险精神的游客,也会觉得在异域使用自己国家的支付服务要舒服得多。更贴心的感受意味着更有可能去消费,让他们可以使用自己的货币进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.

对欧洲零售商而言,移动支付目前或许还是一种有限的渠道,但微信和支付宝的例子表明技术普及的速度是何等之快,手机的普及和触手可得的app意味着消费者可以很快接受这些,所以能接受移动支付的商家也会引领潮流。


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