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成本下降 效率提高 移动支付持续催生新业态

2017-08-31 06:40:55   中国经济网

编者按:今年以来,在阿里巴巴和腾讯的推动下,移动支付发展迅猛。从年初至今,支付宝与多个城市合作建设“无现金城市”。8月份伊始,支付宝和微信支付砸下重金补贴移动支付,推出了“无现金城市周”和“无现金日”活动,两大巨头为何卖力吆喝移动支付?在现代社会,移动支付真能取代现金吗?移动支付背后的数据安全如何保障?本报今起推出相关报道

不带钱包出门,你会担忧吗?来自腾讯、中国人民大学重阳金融研究院和调研机构益普索近日联合发布的一份研究报告显示,84%的调研对象表示,不带钱、只带手机出门可以很“淡定”。超过70%的人表示,100元现金可用超过一周。

由此,移动支付的普及程度可见一斑。中国社科院财经战略研究院互联网经济研究室主任李勇坚表示,我国有50.3%的网民在线下实体店购物时使用手机支付结算。数据显示,2016年中国第三方支付总交易额为57.9万亿元,其中移动支付交易规模达38.6万亿元,约为美国的50倍。中国人民大学重阳金融研究院首席研究员贾晋京将移动支付比喻为高铁和高速公路。“作为智慧生活的重要组成部分,移动支付将有助缩小城乡差别、改变代际差异、升级社会信用、增进普惠金融活力、助力智慧生活。”

便利催生业态变化

央行公布的数据显示,今年第一季度全国共办理移动支付业务93.04亿笔,金额60.65万亿元,同比分别增长65.71%和16.35%,依然保持着高速增长。

在数字之外,移动支付与实体经济之间的融合也更加深入。贾晋京告诉记者,“我们计算了移动支付的行业分布,北上广深在10个行业中的9个占据了前4名,唯一的例外是教育,杭州排在深圳之前,位列第四,原因显然在于杭州与深圳相比高校更加集中,这就说明,移动支付的分布和实体经济的分布基本一致,已经渗透到了各行各业”。

对于商家来讲,移动支付的普及直接带来了成本下降和效率提高。金鼎轩高级经理邱兵介绍说,金鼎轩北京财富中心店在与支付宝合作前,需要16名服务员。合作后,门店服务员减少了近一半,日翻台率也提升了30%。

但更重要的是,以移动支付为基础,新的业态开始不断产生。微信支付餐饮出行负责人许阳辉表示:拿停车这件事来说,2014年时人们可以扫码交停车费,但后来就变成了只要在手机上输入车牌号,就会自动显示你要交多少停车费。“到了去年,智慧停车应运而生,只要开车入场,可以自动识别车牌号,微信支付可以完全自动扣费,将停车费付给交费处,新业态的产生,基础还是移动支付。”

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