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“一切都用手机支付”? 外媒称背后风险被忽略

2017-09-26 09:21:58   中国网

外媒称,移动支付在中国已经成为一种普遍现象。北京市从2015年开始也允许使用手机支付水费、电费和煤气费。不久前,地铁票也可通过手机支付。

奥地利《标准报》网站9月24日报道称,50岁的北京人张晓丽(音)在一家位于北京三里屯餐饮街的餐馆点了一碗米线,在点餐付款时,服务员表示:“我们使用手机结账。”张女士气愤地说:“我用的可是人民币!”经过一番争论,服务员妥协了。“好吧,但是你得给我正好的钱,我没法找钱。”张晓丽一怒之下起身离开。服务员朝后厨喊道:“米线不要了。”

这并非个例。直到央行出面干预:人民币是合法支付手段。必须予以接受。

中国已不再是“现金为王”。突然一切都通过手机支付了。“这是我们从来没预料到的,”在北京经营一家报亭并且同时售卖饮料和冰激凌的聂姓夫妇说。今年2月,他们在银行开户并得到了一张银联卡。然后他们在手机上下载了与银行账户关联的电子钱包。支付宝为他们提供了一个平台。另一个平台是腾讯集团的微信支付。报亭老板将收到的二维码打印出来,悬挂在报亭外。二维码能让顾客瞬间进入支付平台。

此后,报亭生意兴隆,而且结账速度加快,还免于假币和欺诈困扰。比如客人拿起一款饮料,用手机扫描报亭二维码,输入付款金额,然后通过支付宝或微信直接转账给报亭老板。钱款会即时到账并显示在收款人手机上。“现在超过80%顾客用手机结账,”报亭老板说,支付平台没有额外费用。“每收入1000元,只需交1元服务费。”

根据中国互联网络信息中心8月中旬发布的数据,中国目前网民规模达到7.51亿人。其中96%的人使用手机上网。使用移动支付消费的中国人已达5亿人。

北京大学数字金融研究中心主任黄益平对支付宝的发展进行了研究。他在《蚂蚁金服》一书中讲述了一个支付宝如何获得底层大众接受的故事。黄益平说,他有一次在北京路遇乞讨者,可惜当时身上没带钱。但是对方掏出了手机,表示可以通过手机转账。

欧洲央行的一名专家指出,公众并未考虑无现金支付带来的影响和被忽视的数据保护。不过让人安心的是,这类支付平台——除去受到严格管控的特例——不提供借贷和负债服务。

清华大学国家金融研究院副院长家朱宁对网络支付平台持更批判的态度。他认为,由于不收取任何费用,平台管理方必须不断将流入的资金投资到高回报的高风险领域。一旦投资失败,出现用户挤兑,银行系统将面临系统风险。

中国人民银行似乎也担心这种情况。它正在支付平台和银行系统之间建立一个清算平台,以控制风险。该清算平台将于2018年6月底正式启用。(焦宇)

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