根据2017年中国信用卡行业蓝皮书,中国在2011年有1.2万亿美元的购买是通过信用卡支付的,比去年同期增长48%。
Over the next decade, the country is expected to become the largest credit card market in the world by number of issued cards, overtaking the United States.
在接下来的十年,通过发行的信用卡数量中国预计将成为世界上最大的信用卡市场,超越美国。
Although the figure is high, it is worth noting that in China, credit cards are still used mostly for large-ticket items, while cash is still the predominant payment method for smaller purchases. Indeed, one study on credit card holders in Shanghai showed that 80 percent of purchases below 100 yuan are made with cash.
虽然这个数字很高,但值得注意的是,在中国信用卡仍主要用于大件商品,对于小型购买现金仍然是主要的支付方式。事实上,一项对上海信用卡持有者的研究表明100元以下的购买80%是使用现金。
Changing attitude
改变的观念
Despite these optimistic growth projections, China's cash-centric consumer culture and traditional beliefs about personal finance have meant that consumers are resistant to change, thus slowing the adoption of electronic payment methods.
尽管有这些乐观的增长预期,中国以现金为中心的消费文化和对个人理财的传统信仰意味着消费者抗拒变革,从而缓慢采用着电子支付方式。
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