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中国移动支付报告:领跑全球 前景广阔

????文:恒大研究院 甘源 石玲玲导读中国移动支付领跑全球,移动支付渗透率全球第一,支付规模为美国百倍,原因何在?二维码仍将长期占据移动支付市场主导,随着科技的进步,NFC技术、生物识别技术等逐渐应用,前景广阔。摘要中国移动支付比例世界领先,2017年移动支付规模为美国百倍。2017年中国移动支付规模达202.93万亿人民币,近五年平均增速181%,成年人电子支付比例高达76.9%。而在美国,2016年移动支付规模仅1120亿美元,且增速缓慢,手机支付比例48%,移动支付远落后于中国。移动互联网的普及,以及网络购物的高渗透率,成为中国移动支付发展的基础和强大助推力。截至2018年6月,中国网民数量8.02亿,互联网普及率57.7%,全球排名第一;手机网民7.88亿,占整体网民的比例高达98.3%;2017年,我国网络零售额7.18万亿,网购人群5.33亿,占整体网民数量的69%,几近全民网购的盛况。我国政策引导普惠金融,在借记卡发行、安全认证、清算系统等领域为移动支付发展构建基础设施。我国商业银行大规模发行银联借记卡,人均持卡量4.47张,世界领先,为移动支付绑定银行卡奠定基础;22.87万银行网点不计成本对持卡人进行身份认证,为移动支付安全性做出保障;央行主导的银联、网联清算系统高效安全;政府主导电信服务,4G覆盖99%人群,超95%的行政村通光纤宽带,网络覆盖广。反观欧美,市场化的机构不愿承担低效益的基础设施建设服务,移动支付发展的基础不如中国。居民支付习惯的差异使得我国发展移动支付具备后发优势,阻力更小。欧美长期保持信用卡支付习惯,信用卡支付方便快捷,缺乏转换动力,加上信用卡组织成熟,利益集团强势,推广移动支付意味着取代信用卡。反观中国,信用卡人均持卡量仅0.47张,居民长期使用现金或储蓄卡支付,移动支付取代的是现金,因此市场阻力极小,后发优势显着。收单机构偏好绑定借记卡、使用移动支付承担的手续费远低于欧美。2016年“96费改”借贷分开管理,收单机构偏好借记卡,而我国领先的借记卡普及率保障了移动支付的发展;此外,我国移动支付平台向商户收取的手续费远低于欧美,与商户互利互惠,促进了移动支付的普及。支付宝和微信支付寡头垄断,二维码支付仍将长期占据移动支付市场主导。支付宝背靠阿里,立足商业,绑定商户,渗透生活,用户培育完成后对商家收费实现盈利;微信支付背靠腾讯,由社交金融小游戏微信红包起步,凭借服务商机制快速拓展线下场景,持续赋能发展移动支付。风险提示:技术进步、安全性提高不及预期。目录1 中国移动支付现状1.1 内涵:借助移动终端实现的支付,不同于第三方支付1.2 现状:中国移动支付规模和渗透率领跑全球2 中国移动支付发展历程及驱动因素2.1 移动互联网普及,线上支付场景不断拓宽2.1.1网民规模庞大、移动网络覆盖率高,为移动支付发展奠基2.1.2网络购物、外卖打车O2O消费快速发展,拓宽小额支付场景2.2 政策支持,二维码解禁,线下小额移动支付蓬勃发展3 中国移动支付为何远超欧美?3.1 基础设施:立足普惠金融,非经济效益出发,欧美不及3.1.1门槛低:立足普惠金融,大量发行借记卡,办卡成本低3.1.2安全性:银行网点低效益身份认证,央行主导高效清算体系3.1.3体验好:非市场化电信服务系统,移动互联网网络覆盖广泛3.2 后发优势:借记卡渗透率高,信用卡渗透率低,阻力小3.2.1支付习惯:借记卡使用率高,移动支付取代现金带来便捷3.2.2后发优势:信用卡利益集团未形成,移动支付发展阻力小3.3 政策利好:信用卡服务费高,移动支付手续费低,鼓励小额场景3.3.1信用卡服务费高:96费改,信用卡刷卡手续费高,收单机构偏好借记卡3.3.2移动支付手续费低:移动支付平台向商户收取的手续费费率远低于欧美4 移动支付未来趋势与案例4.1 二维码支付:支付宝财付通仍将长期垄断4.1.1支付宝:立足商业-渗透生活-拓展金融-技术出海4.1.2财付通:社交游戏-社交支付-商业支付-持续赋能4.2 NFC支付:安全性便捷性高,传统机构大力推广正文1 中国移动支付现状1.1 内涵:借助移动终端实现的支付,不同于第三方支付移动支付是指通过智能手机、平板电脑、智能手表等移动终端,实现资金支付和转移的支付方式。第三方支付则是指非金融机构作为支付中介提供的网络支付、预付卡、银行卡收单等支付服务,移动支付涵盖在第三方支付的范畴内。1.2 现状:中国移动支付规模和渗透率领跑全球2017年中国移动支付规模202.93万亿,全球排名第一,为美国移动支付规模百倍。2013年以来,伴随着支付宝、微信支付等第三方移动支付平台的崛起,中国移动支付蓬勃发展。2017年,中国移动支付规模达202.93万亿,全球排名第一,近五年移动支付规模平均增速高达181%,在电子支付业务金额中的占比不断提升,从2013年的不足1%飙升至2017年的8.4%。根据Forrester报告,2016年美国移动支付比例仅1120亿美元,甚至不足中国的1%,且增速相对缓慢。中国移动支付渗透率全球领先,2017年电子支付比例高达76.9%。根据央行《2017年中国普惠金融指标分析报告》,2017年中国使用电子支付的成年人比例为76.9%,农村地区使用电子支付的成年人比例为 66.51%,此外,腾讯信息可视化实验室数据显示,2016年中国手机支付比例高达77%,这都充分显示了中国移动支付的超高渗透率。反观欧美发达国家,2016年美国移动支付比例48%,英国47%,德国48%,法国38%,日本作为移动支付的起源国,手机支付比例也仅为27%。2 中国移动支付发展历程及驱动因素受益于移动互联网的普及和移动支付政策的支持,中国移动支付蓬勃发展,2013-2017年,移动支付规模实现21倍增长,由2013年不足10万亿,增长至2017年的202.93万亿,平均增速181%。2013年支付宝布局移动端、2014年微信红包春节爆发等都为移动支付的发展提供了良好的契机。2.1 移动互联网普及,线上支付场景不断拓宽2.1.1 网民规模庞大、移动网络覆盖率高,为移动支付发展奠基中国互联网普及率全球第一,手机网民数量占比98.3%。截至2018年6月底,中国网民数量达8.02亿,互联网普及率达到57.7%,全球排名第一;手机网民规模7.88亿,手机网民占整体网民的比例高达98.3%;截至2018年9月,4G用户数合计11.4亿,覆盖99%居民。网络覆盖广泛、移动互联网普及率高,成为中国移动支付发展的基础和强大助推力。2.1.2 网络购物、外卖打车O2O消费快速发展,拓宽小额支付场景网络购物用户占比近70%,移动支付因其便捷性和安全性逐渐普及。2008年以来,网络购物逐渐成为我国居民购物的重要方式,2008年,我国网络购物用户数仅0.79亿,网络购物规模1300亿,而到2013年,网络购物用户和购物规模就分别达到3.12亿和1.89万亿,实现了近2000倍的增长,而到2017年末,这两个数字分别为5.33亿和7.18万亿,考虑到2017年底7.72亿的网民数量,我国网络购物人群占整体网民数量的69%,几近全民网购的盛况,这就为移动支付提供了极丰富的场景。外卖、打车等O2O消费快速发展,小额支付场景拓宽,移动支付逐渐取代现金支付。除网络购物外,外卖、打车逐渐成为中国人生活、出行的重要方式,以美团外卖和滴滴打车为例,2018年9月的月活用户数就已分别达到1.34亿和1.08亿,小额现金支付逐渐淡出中国人的生活。2.2 政策支持,二维码解禁,线下小额移动支付蓬勃发展2016年二维码支付解禁,小额支付场景拓宽,线下移动支付崛起。2014年3月,央行叫停支付宝和腾讯的虚拟信用卡产品,同时叫停条码、二维码等面对面支付服务,线下移动支付一度受到限制。2016年8月,央行下发《条码支付业务规范(征求意见稿)》,二维码支付解禁。移动互联网带来了消费的碎片化、线上化,而线下小额支付等细化场景在此前相对缺失,二维码的解禁为线下小额支付提供了全新的可能,且由于二维码收款成本极低,从大型商超到餐厅、便利店、甚至小商小贩,几乎都能够使用二维码,线下移动支付逐渐普及。移动支付笔数与网上支付笔数的差距逐渐缩小并实现反超,二维码支付功不可没。二维码解禁,移动支付对网上支付和现金支付的替代效应越来越明显,2016年6月,网上支付笔数110.27亿次,是移动支付笔数的1.8倍,而2018年6月,移动支付笔数149.24亿次,已经超过网上支付笔数,二维码支付解禁是移动支付得以迅速发展的重要原因。3 中国移动支付为何远超欧美?3.1 基础设施:立足普惠金融,非经济效益出发,欧美不及3.1.1 门槛低:立足普惠金融,大量发行借记卡,办卡成本低我国立足普惠金融,银行不计成本大量发行借记卡,银行卡渗透率高,为移动支付发展奠定基础。2013年移动支付兴起初期,我国借记卡发卡量已经达到33.51亿张,银行卡渗透率已经相对稳定,达到47.2%。发行借记卡意味着大量的发卡成本、人力成本、系统运算、现金管理、配套网点建设及运营维护支出,欧美商业银行基于成本考量,大多不愿多发行借记卡,而我国商业银行在央行政策性文件的引导下,不计成本大量发行带银联标志的借记卡,年满16周岁凭身份证即可办理借记卡,办卡成本极低。借记卡的大量发行,为移动支付绑定银行卡奠定了基础。3.1.2 安全性:银行网点低效益身份认证,央行主导高效清算体系银行网点对持卡人进行身份认证和手机号码绑定,极大降低了移动支付平台的成本。根据银行业协会《中国银行业服务报告》,截至2017年末,全国银行业金融机构营业网点总数达到22.87万个,庞大的银行网点认证为移动支付提供了安全保障。移动支付最重要的问题就是安全,而我国庞大的银行网点以面对面的形式对持卡人、身份证、手机号码、家庭信息等进行了深度绑定和认证,意味着持卡人本人确认了相应手机转账和支付的权限,从而移动支付平台与借记卡绑定的同时,就等同于对移动支付平台进行了授权。银联、网联形成双支柱,央行主导的清算系统促进移动支付安全高效进行。2018年6月30日,央行在银联的基础上成立网联,第三方支付公司涉及的网络支付业务需要通过网联进行清算。此前,银联通过跨行清算系统实现银行体系的互通互联,而第三方支付一直处于弱监管区域,在网联成立后,移动支付业务的清算通过网联进行,更加安全高效。反观欧美,市场化的银行并没有足够的动力开展大规模的安全认证服务,掣肘了海外移动支付的发展。国外银行系统从成本、利益角度考虑大多不会支持第三方支付平台,欧美国家银行或卡组织更不愿意承担大量低效益甚至负效益的安全认证服务和清算结算业务。而我国分布广泛、系统发达的银行体制与不计成本、政策导向的经营理念相结合,使得第三方支付平台能够迅速获取市场信任并发展壮大。3.1.3 体验好:非市场化电信服务系统,移动互联网网络覆盖广泛政府主导的电信普惠服务,中国移动网络覆盖率高。工信部表示,我国4G网络已覆盖近99%人口,超95%的行政村已通光纤宽带,力争2020年前将4G网络覆盖率提至98%。移动网络的高覆盖率极大提高了移动支付的使用体验,即使在农村地区也能够快捷方便实现移动支付。3.2 后发优势:借记卡渗透率高,信用卡渗透率低,阻力小3.2.1 支付习惯:借记卡使用率高,移动支付取代现金带来便捷中国借记卡人均持卡量远超欧美,信用卡人均持卡量相对落后,欧美习惯信用卡支付,消费者和商户转换动力不足。银行主导、基础设施建设、消费习惯等多重因素叠加,我国居民倾向于使用借记卡和现金,2016年借记卡人均持卡量4.47张,远高于发达国家持有量,而信用卡人均持有量仅0.31张,至2018年9月也仅为0.47张。此外,中国人习惯使用储蓄而非信用,长期支付习惯使得借记卡在中国的使用频率更高。反观欧美,信用卡普及率高,基础设施相对成熟,在商户处使用信用卡方便快捷,消费者和商户均缺乏改变动力。商户配置POS成本高,且刷卡过程相对繁琐;二维码制作成本极低,扫码支付时间以秒计。由于基础设施建设相对落后,商户POS机持有率较低,只有大型超市、商场配有POS机,居民使用POS机刷卡的流程繁琐,时间较长。相反,二维码支付不仅商户制作成本低,消费者也可以迅速实现付款,双方受益。3.2.2 后发优势:信用卡利益集团未形成,移动支付发展阻力小欧美信用卡组织成熟,移动支付意欲取代信用卡,利益集团强势,阻力较大。目前,全球五大信用卡组织中英美占四个,且万事达(VISA)和威士卡(MasterCard)覆盖范围极广,仅2016年万事达信用卡就达到31.43亿张,交易规模8.87万亿美元,信用卡组织成熟,能够更好的实现组织内部清算和管理。欧美移动支付如ApplePay和PayPal均使用移动终端进行近场支付,意欲取代信用卡,因此无论是银行还是信用卡组织,均不愿舍弃本身已大规模盈利、占据市场主要份额的信用卡业务,转而发展移动支付。中国移动支付取代的是现金,央行主导银联和网联,银行仍是不可或缺环节,市场阻力较小。一方面,中国信用卡组织只有银联,属于央行主导的清算系统,信用卡组织天然具备社会服务属性,此外,央行成立了网联清算系统,专门针对第三方支付平台进行清算和管理,因此银联对移动支付的阻力相对较小。另一方面,长期支付习惯下,中国移动支付取代的是现金,而非银行卡,移动支付仍需绑定银行卡,并通过网联与银行实现清算,因此在本质上,银行仍然是移动支付体系中不可或缺的一部分。综合而言,银行和信用卡组织对移动支付的阻力远低于美国。3.3 政策利好:信用卡服务费高,移动支付手续费低,鼓励小额场景3.3.1 信用卡服务费高:96费改,信用卡刷卡手续费高,收单机构偏好借记卡借记卡贷记卡刷卡费率分开管理,贷记卡手续费不设上限,收单机构偏好借记卡。2016年9月6日,发改委和央行发布的《关于完善银行卡刷卡手续费定价机制的通知》正式开始实施,这是中国支付史上最大的一次手续费变革,因此被称为“96费改”。“96费改”后,借记卡、贷记卡费率分开管理,贷记卡刷卡手续费不封顶,因此消费者刷信用卡的费率要高于刷储蓄卡,且消费者大额消费时如果使用信用卡,则收单机构需要支付的费用就会大大增加,这就导致收单机构更乐于接受借记卡。上文提到,我国借记卡人均持卡量世界领先,因此移动支付绑定借记卡成为主流方式。3.3.2 移动支付手续费低:移动支付平台向商户收取的手续费费率远低于欧美中国移动支付平台向商户收取的手续费和转账手续费远低于美国。商户手续费和转账手续费低,有效促进了移动支付在中国的蓬勃发展,以商户销售为例,美国商户使用PayPal收款,每成交一笔业务,需要按交易额额2.9%和固定费用0.3美元缴纳服务费,而中国的商户使用支付宝收款的费率较低,普遍不超过0.5%甚至无手续费。4 移动支付未来趋势与案例4.1 二维码支付:支付宝财付通仍将长期垄断支付宝和财付通是中国第三方移动支付市场两寡头,二维码仍将长期占据移动支付主导地位。支付宝从商业、生活、金融角度切入移动支付,微信依靠社交切入移动支付,两者垄断第三方移动支付市场。4.1.1 支付宝:立足商业-渗透生活-拓展金融-技术出海支付宝根植于商业,对个人免费,培育用户,形成壁垒,随后绑定商户,对商户收费;从生活场景出发,提高覆盖率,搭建城墙,抓牢大企业和商户,逐步由小及大,由浅入深,渗透居民生活的方方面面。第一步,立足商业,绑定商户。支付宝根植于淘宝,发展早期与网购场景深度绑定,2003年上线之初就是为商户和消费者提供信用担保,搭建起买卖双方信用的桥梁。因此,支付宝天然就具备绑定商户、服务商业的属性。随后,支付宝通过对个人用户免费,实现市场培育,逐步渗透,随后对商户收费获取盈利,通过水电燃气等移动支付小场景吸引用户,提高支付宝使用覆盖率,抓牢大量商户。第二步,独立支付,产业协同。2005年起,支付宝联合商业银行、信用卡组织等进行场景拓展,产业版图逐步拓宽,将淘宝单一用户拓宽至丰富的多元用户。截至2006年底,使用支付宝的非淘宝商家已经超过30万家,支付宝作为独立支付平台的地位逐渐受到认可,外部商家占比达30%。2008年8月,支付宝用户突破1亿,超过淘宝8000万用户,占网民总数的40%。2008年,支付宝开始进入公共事业性缴费市场,通过支付宝可以缴纳水、电、燃气、通信等日常费用,并与旅游在线平台合作布局移动领域,同时实现所有B2C网站的接入,外部场景进一步拓宽。2009年底,支付宝外部商家达到46万,全年交易额2871亿,市场份额49.8%,2010年底支付宝用户突破5亿。第三步,发展科技,布局金融。2013年6月,余额宝上线,互联网理财逐渐发展,余额宝用户超4.74亿,资管规模1.58万亿;2013年8月支付宝用户不再绑定信用卡或储蓄卡,即可直接透支消费,后期发展出花呗、借呗等消费金融业务,用户超3亿;此外,芝麻信用渐受认可,成为重要的征信来源,蚂蚁保险在财险、寿险等领域全面布局,支付宝的全方位金融服务体验更佳。第四步,海外扩张,技术输出。随着国内市场的饱和,支付宝瞄准中国海外旅游人群和海外客户,实行技术出海战略,建立战略合作关系、购买股份、合并或组建合资公司的方式推广金融服务,提供技术和风控系统支持,帮助合作伙伴实现产品本地化。典型的案例如印度的Paytm,在支付宝的技术支持和帮助下,其用户从2017年4月的3000万增长到2017年末的2.2亿,超过了Paypal,成为全球第三大数字钱包。4.1.2 财付通:社交游戏-社交支付-商业支付-持续赋能第一步,红包社交,金融游戏。微信红包诞生于2013年8月,凭借近微信近3亿社交用户,促进了社交金融小游戏“微信红包”在2014年春节的爆发,成功奠定了微信支付的市场地位。第二步,社交转账,实时转账。立足2014年春节微信红包的强势爆发,微信逐步拓展社交支付,社交转账、实时转账的便捷性促进微信支付渗透率实现跨越。2015年春节微信支付“摇一摇”在春节期间实现10.1亿次收发,随后活跃用户数从2015年1月的3.8亿跨越至6月的5.4亿,进一步奠定了微信支付在社交转账、实时转账领域的核心地位。第三步,线下支付,服务商制。在社交支付发展成熟的基础上,微信开始探索线下支付,采取服务商机制,与服务商互利互惠,一方面,微信支付为中小商户提供技术服务、运营支持和资金结算服务,另一方面,中小商户承担了微信支付的线下推动任务。因此,2016年微信支付在线下迅速取得突破,接入线下门店超30万家,交易规模短期内迅速猛增,在线下支付领域筑起护城河。第四步,持续赋能,涉足金融。微信九宫格出现微粒贷借钱、信用卡还款、理财通、保险服务等金融服务,九宫格中金融服务占四,金融场景在移动支付中的地位可见一斑。微信支付通过金融场景的拓展,不断为支付赋能,扎根消费互联网。4.2 NFC支付:安全性便捷性高,传统机构大力推广普及难度大,安全性便捷性高,NFC支付有望与二维码较高下。NFC(近场技术)通过智能终端实现支付,但由于NFC技术需要终端内置智能芯片等设备辅助完成,因此对终端的要求较高,不是所有的手机都具备NFC功能,因此普及难度比二维码高。但是,NFC支付的安全性和便捷性超过二维码,因此也是未来移动支付的重要发展趋势。传统金融、电信服务商推动NFC支付发展,公共交通领域为主要突破口。互联网巨头在第三方移动支付领域的壁垒已经形成,银联、银行、电信运营商、手机厂商等机构想要在二维码支付赢得市场份额难度较高,因此这类机构普遍选择推动NFC支付技术发展。由于二维码的使用已经足够快捷方便,因此NFC的推广难度较大,但是在公共交通领域,NFC支付的便捷性更加突出,因此公共交通有望成为NFC支付的重要突破口。随着NFC技术的成熟和智能终端的进一步发展,NFC支付有望成为重要的线下支付方式。

wen: heng da yan jiu yuan gan yuan shi ling ling dao du zhong guo yi dong zhi fu ling pao quan qiu, yi dong zhi fu shen tou lv quan qiu di yi, zhi fu gui mo wei mei guo bai bei, yuan yin he zai? er wei ma reng jiang chang qi zhan ju yi dong zhi fu shi chang zhu dao, sui zhe ke ji de jin bu, NFC ji shu sheng wu shi bie ji shu deng zhu jian ying yong, qian jing guang kuo. zhai yao zhong guo yi dong zhi fu bi li shi jie ling xian, 2017 nian yi dong zhi fu gui mo wei mei guo bai bei. 2017 nian zhong guo yi dong zhi fu gui mo da 202. 93 wan yi ren min bi, jin wu nian ping jun zeng su 181, cheng nian ren dian zi zhi fu bi li gao da 76. 9. er zai mei guo, 2016 nian yi dong zhi fu gui mo jin 1120 yi mei yuan, qie zeng su huan man, shou ji zhi fu bi li 48, yi dong zhi fu yuan luo hou yu zhong guo. yi dong hu lian wang de pu ji, yi ji wang luo gou wu de gao shen tou lv, cheng wei zhong guo yi dong zhi fu fa zhan de ji chu he qiang da zhu tui li. jie zhi 2018 nian 6 yue, zhong guo wang min shu liang 8. 02 yi, hu lian wang pu ji lv 57. 7, quan qiu pai ming di yi shou ji wang min 7. 88 yi, zhan zheng ti wang min de bi li gao da 98. 3 2017 nian, wo guo wang luo ling shou e 7. 18 wan yi, wang gou ren qun 5. 33 yi, zhan zheng ti wang min shu liang de 69, ji jin quan min wang gou de sheng kuang. wo guo zheng ce yin dao pu hui jin rong, zai jie ji ka fa xing an quan ren zheng qing suan xi tong deng ling yu wei yi dong zhi fu fa zhan gou jian ji chu she shi. wo guo shang ye yin hang da gui mo fa xing yin lian jie ji ka, ren jun chi ka liang 4. 47 zhang, shi jie ling xian, wei yi dong zhi fu bang ding yin hang ka dian ding ji chu 22. 87 wan yin hang wang dian bu ji cheng ben dui chi ka ren jin xing shen fen ren zheng, wei yi dong zhi fu an quan xing zuo chu bao zhang yang hang zhu dao de yin lian wang lian qing suan xi tong gao xiao an quan zheng fu zhu dao dian xin fu wu, 4G fu gai 99 ren qun, chao 95 de xing zheng cun tong guang xian kuan dai, wang luo fu gai guang. fan guan ou mei, shi chang hua de ji gou bu yuan cheng dan di xiao yi de ji chu she shi jian she fu wu, yi dong zhi fu fa zhan de ji chu bu ru zhong guo. ju min zhi fu xi guan de cha yi shi de wo guo fa zhan yi dong zhi fu ju bei hou fa you shi, zu li geng xiao. ou mei chang qi bao chi xin yong ka zhi fu xi guan, xin yong ka zhi fu fang bian kuai jie, que fa zhuan huan dong li, jia shang xin yong ka zu zhi cheng shu, li yi ji tuan qiang shi, tui guang yi dong zhi fu yi wei zhe qu dai xin yong ka. fan guan zhong guo, xin yong ka ren jun chi ka liang jin 0. 47 zhang, ju min chang qi shi yong xian jin huo chu xu ka zhi fu, yi dong zhi fu qu dai de shi xian jin, yin ci shi chang zu li ji xiao, hou fa you shi xian zhu. shou dan ji gou pian hao bang ding jie ji ka shi yong yi dong zhi fu cheng dan de shou xu fei yuan di yu ou mei. 2016 nian" 96 fei gai" jie dai fen kai guan li, shou dan ji gou pian hao jie ji ka, er wo guo ling xian de jie ji ka pu ji lv bao zhang le yi dong zhi fu de fa zhan ci wai, wo guo yi dong zhi fu ping tai xiang shang hu shou qu de shou xu fei yuan di yu ou mei, yu shang hu hu li hu hui, cu jin le yi dong zhi fu de pu ji. zhi fu bao he wei xin zhi fu gua tou long duan, er wei ma zhi fu reng jiang chang qi zhan ju yi dong zhi fu shi chang zhu dao. zhi fu bao bei kao a li, li zu shang ye, bang ding shang hu, shen tou sheng huo, yong hu pei yu wan cheng hou dui shang jia shou fei shi xian ying li wei xin zhi fu bei kao teng xun, you she jiao jin rong xiao you xi wei xin hong bao qi bu, ping jie fu wu shang ji zhi kuai su tuo zhan xian xia chang jing, chi xu fu neng fa zhan yi dong zhi fu. feng xian ti shi: ji shu jin bu an quan xing ti gao bu ji yu qi. mu lu 1 zhong guo yi dong zhi fu xian zhuang 1. 1 nei han: jie zhu yi dong zhong duan shi xian de zhi fu, bu tong yu di san fang zhi fu 1. 2 xian zhuang: zhong guo yi dong zhi fu gui mo he shen tou shuai ling pao quan qiu 2 zhong guo yi dong zhi fu fa zhan li cheng ji qu dong yin su 2. 1 yi dong hu lian wang pu ji, xian shang zhi fu chang jing bu duan tuo kuan 2. 1. 1 wang min gui mo pang da yi dong wang luo fu gai lv gao, wei yi dong zhi fu fa zhan dian ji 2. 1. 2 wang luo gou wu wai mai da che O2O xiao fei kuai su fa zhan, tuo kuan xiao e zhi fu chang jing 2. 2 zheng ce zhi chi, er wei ma jie jin, xian xia xiao e yi dong zhi fu peng bo fa zhan 3 zhong guo yi dong zhi fu wei he yuan chao ou mei? 3. 1 ji chu she shi: li zu pu hui jin rong, fei jing ji xiao yi chu fa, ou mei bu ji 3. 1. 1 men kan di: li zu pu hui jin rong, da liang fa xing jie ji ka, ban ka cheng ben di 3. 1. 2 an quan xing: yin hang wang dian di xiao yi shen fen ren zheng, yang hang zhu dao gao xiao qing suan ti xi 3. 1. 3 ti yan hao: fei shi chang hua dian xin fu wu xi tong, yi dong hu lian wang wang luo fu gai guang fan 3. 2 hou fa you shi: jie ji ka shen tou lv gao, xin yong ka shen tou lv di, zu li xiao 3. 2. 1 zhi fu xi guan: jie ji ka shi yong lv gao, yi dong zhi fu qu dai xian jin dai lai bian jie 3. 2. 2 hou fa you shi: xin yong ka li yi ji tuan wei xing cheng, yi dong zhi fu fa zhan zu li xiao 3. 3 zheng ce li hao: xin yong ka fu wu fei gao, yi dong zhi fu shou xu fei di, gu li xiao e chang jing 3. 3. 1 xin yong ka fu wu fei gao: 96 fei gai, xin yong ka shua ka shou xu fei gao, shou dan ji gou pian hao jie ji ka 3. 3. 2 yi dong zhi fu shou xu fei di: yi dong zhi fu ping tai xiang shang hu shou qu de shou xu fei fei lv yuan di yu ou mei 4 yi dong zhi fu wei lai qu shi yu an li 4. 1 er wei ma zhi fu: zhi fu bao cai fu tong reng jiang chang qi long duan 4. 1. 1 zhi fu bao: li zu shang ye shen tou sheng huo tuo zhan jin rong ji shu chu hai 4. 1. 2 cai fu tong: she jiao you xi she jiao zhi fu shang ye zhi fu chi xu fu neng 4. 2 NFC zhi fu: an quan xing bian jie xing gao, chuan tong ji gou da li tui guang zheng wen 1 zhong guo yi dong zhi fu xian zhuang 1. 1 nei han: jie zhu yi dong zhong duan shi xian de zhi fu, bu tong yu di san fang zhi fu yi dong zhi fu shi zhi tong guo zhi neng shou ji ping ban dian nao zhi neng shou biao deng yi dong zhong duan, shi xian zi jin zhi fu he zhuan yi de zhi fu fang shi. di san fang zhi fu ze shi zhi fei jin rong ji gou zuo wei zhi fu zhong jie ti gong de wang luo zhi fu yu fu ka yin hang ka shou dan deng zhi fu fu wu, yi dong zhi fu han gai zai di san fang zhi fu de fan chou nei. 1. 2 xian zhuang: zhong guo yi dong zhi fu gui mo he shen tou shuai ling pao quan qiu 2017 nian zhong guo yi dong zhi fu gui mo 202. 93 wan yi, quan qiu pai ming di yi, wei mei guo yi dong zhi fu gui mo bai bei. 2013 nian yi lai, ban sui zhe zhi fu bao wei xin zhi fu deng di san fang yi dong zhi fu ping tai de jue qi, zhong guo yi dong zhi fu peng bo fa zhan. 2017 nian, zhong guo yi dong zhi fu gui mo da 202. 93 wan yi, quan qiu pai ming di yi, jin wu nian yi dong zhi fu gui mo ping jun zeng su gao da 181, zai dian zi zhi fu ye wu jin e zhong de zhan bi bu duan ti sheng, cong 2013 nian de bu zu 1 biao sheng zhi 2017 nian de 8. 4. gen ju Forrester bao gao, 2016 nian mei guo yi dong zhi fu bi li jin 1120 yi mei yuan, shen zhi bu zu zhong guo de 1, qie zeng su xiang dui huan man. zhong guo yi dong zhi fu shen tou lv quan qiu ling xian, 2017 nian dian zi zhi fu bi li gao da 76. 9. gen ju yang hang 2017 nian zhong guo pu hui jin rong zhi biao fen xi bao gao, 2017 nian zhong guo shi yong dian zi zhi fu de cheng nian ren bi li wei 76. 9, nong cun di qu shi yong dian zi zhi fu de cheng nian ren bi li wei 66. 51, ci wai, teng xun xin xi ke shi hua shi yan shi shu ju xian shi, 2016 nian zhong guo shou ji zhi fu bi li gao da 77, zhe dou chong fen xian shi le zhong guo yi dong zhi fu de chao gao shen tou lv. fan guan ou mei fa da guo jia, 2016 nian mei guo yi dong zhi fu bi li 48, ying guo 47, de guo 48, fa guo 38, ri ben zuo wei yi dong zhi fu de qi yuan guo, shou ji zhi fu bi li ye jin wei 27. 2 zhong guo yi dong zhi fu fa zhan li cheng ji qu dong yin su shou yi yu yi dong hu lian wang de pu ji he yi dong zhi fu zheng ce de zhi chi, zhong guo yi dong zhi fu peng bo fa zhan, 20132017 nian, yi dong zhi fu gui mo shi xian 21 bei zeng zhang, you 2013 nian bu zu 10 wan yi, zeng chang zhi 2017 nian de 202. 93 wan yi, ping jun zeng su 181. 2013 nian zhi fu bao bu ju yi dong duan 2014 nian wei xin hong bao chun jie bao fa deng dou wei yi dong zhi fu de fa zhan ti gong le liang hao de qi ji. 2. 1 yi dong hu lian wang pu ji, xian shang zhi fu chang jing bu duan tuo kuan 2. 1. 1 wang min gui mo pang da yi dong wang luo fu gai lv gao, wei yi dong zhi fu fa zhan dian ji zhong guo hu lian wang pu ji lv quan qiu di yi, shou ji wang min shu liang zhan bi 98. 3. jie zhi 2018 nian 6 yue di, zhong guo wang min shu liang da 8. 02 yi, hu lian wang pu ji lv da dao 57. 7, quan qiu pai ming di yi shou ji wang min gui mo 7. 88 yi, shou ji wang min zhan zheng ti wang min de bi li gao da 98. 3 jie zhi 2018 nian 9 yue, 4G yong hu shu he ji 11. 4 yi, fu gai 99 ju min. wang luo fu gai guang fan yi dong hu lian wang pu ji lv gao, cheng wei zhong guo yi dong zhi fu fa zhan de ji chu he qiang da zhu tui li. 2. 1. 2 wang luo gou wu wai mai da che O2O xiao fei kuai su fa zhan, tuo kuan xiao e zhi fu chang jing wang luo gou wu yong hu zhan bi jin 70, yi dong zhi fu yin qi bian jie xing he an quan xing zhu jian pu ji. 2008 nian yi lai, wang luo gou wu zhu jian cheng wei wo guo ju min gou wu de zhong yao fang shi, 2008 nian, wo guo wang luo gou wu yong hu shu jin 0. 79 yi, wang luo gou wu gui mo 1300 yi, er dao 2013 nian, wang luo gou wu yong hu he gou wu gui mo jiu fen bie da dao 3. 12 yi he 1. 89 wan yi, shi xian le jin 2000 bei de zeng zhang, er dao 2017 nian mo, zhe liang ge shu zi fen bie wei 5. 33 yi he 7. 18 wan yi, kao lv dao 2017 nian di 7. 72 yi de wang min shu liang, wo guo wang luo gou wu ren qun zhan zheng ti wang min shu liang de 69, ji jin quan min wang gou de sheng kuang, zhe jiu wei yi dong zhi fu ti gong le ji feng fu de chang jing. wai mai da che deng O2O xiao fei kuai su fa zhan, xiao e zhi fu chang jing tuo kuan, yi dong zhi fu zhu jian qu dai xian jin zhi fu. chu wang luo gou wu wai, wai mai da che zhu jian cheng wei zhong guo ren sheng huo chu xing de zhong yao fang shi, yi mei tuan wai mai he di di da che wei li, 2018 nian 9 yue de yue huo yong hu shu jiu yi fen bie da dao 1. 34 yi he 1. 08 yi, xiao e xian jin zhi fu zhu jian dan chu zhong guo ren de sheng huo. 2. 2 zheng ce zhi chi, er wei ma jie jin, xian xia xiao e yi dong zhi fu peng bo fa zhan 2016 nian er wei ma zhi fu jie jin, xiao e zhi fu chang jing tuo kuan, xian xia yi dong zhi fu jue qi. 2014 nian 3 yue, yang hang jiao ting zhi fu bao he teng xun de xu ni xin yong ka chan pin, tong shi jiao ting tiao ma er wei ma deng mian dui mian zhi fu fu wu, xian xia yi dong zhi fu yi du shou dao xian zhi. 2016 nian 8 yue, yang hang xia fa tiao ma zhi fu ye wu gui fan zheng qiu yi jian gao, er wei ma zhi fu jie jin. yi dong hu lian wang dai lai le xiao fei de sui pian hua xian shang hua, er xian xia xiao e zhi fu deng xi hua chang jing zai ci qian xiang dui que shi, er wei ma de jie jin wei xian xia xiao e zhi fu ti gong le quan xin de ke neng, qie you yu er wei ma shou kuan cheng ben ji di, cong da xing shang chao dao can ting bian li dian shen zhi xiao shang xiao fan, ji hu dou neng gou shi yong er wei ma, xian xia yi dong zhi fu zhu jian pu ji. yi dong zhi fu bi shu yu wang shang zhi fu bi shu de cha ju zhu jian suo xiao bing shi xian fan chao, er wei ma zhi fu gong bu ke mo. er wei ma jie jin, yi dong zhi fu dui wang shang zhi fu he xian jin zhi fu de ti dai xiao ying yue lai yue ming xian, 2016 nian 6 yue, wang shang zhi fu bi shu 110. 27 yi ci, shi yi dong zhi fu bi shu de 1. 8 bei, er 2018 nian 6 yue, yi dong zhi fu bi shu 149. 24 yi ci, yi jing chao guo wang shang zhi fu bi shu, er wei ma zhi fu jie jin shi yi dong zhi fu de yi xun su fa zhan de zhong yao yuan yin. 3 zhong guo yi dong zhi fu wei he yuan chao ou mei? 3. 1 ji chu she shi: li zu pu hui jin rong, fei jing ji xiao yi chu fa, ou mei bu ji 3. 1. 1 men kan di: li zu pu hui jin rong, da liang fa xing jie ji ka, ban ka cheng ben di wo guo li zu pu hui jin rong, yin hang bu ji cheng ben da liang fa xing jie ji ka, yin hang ka shen tou lv gao, wei yi dong zhi fu fa zhan dian ding ji chu. 2013 nian yi dong zhi fu xing qi chu qi, wo guo jie ji ka fa qia liang yi jing da dao 33. 51 yi zhang, yin hang ka shen tou lv yi jing xiang dui wen ding, da dao 47. 2. fa xing jie ji ka yi wei zhe da liang de fa qia cheng ben ren li cheng ben xi tong yun suan xian jin guan li pei tao wang dian jian she ji yun ying wei hu zhi chu, ou mei shang ye yin hang ji yu cheng ben kao liang, da duo bu yuan duo fa xing jie ji ka, er wo guo shang ye yin hang zai yang hang zheng ce xing wen jian de yin dao xia, bu ji cheng ben da liang fa xing dai yin lian biao zhi de jie ji ka, nian man 16 zhou sui ping shen fen zheng ji ke ban li jie ji ka, ban ka cheng ben ji di. jie ji ka de da liang fa xing, wei yi dong zhi fu bang ding yin hang ka dian ding le ji chu. 3. 1. 2 an quan xing: yin hang wang dian di xiao yi shen fen ren zheng, yang hang zhu dao gao xiao qing suan ti xi yin hang wang dian dui chi ka ren jin xing shen fen ren zheng he shou ji hao ma bang ding, ji da jiang di le yi dong zhi fu ping tai de cheng ben. gen ju yin hang ye xie hui zhong guo yin hang ye fu wu bao gao, jie zhi 2017 nian mo, quan guo yin hang ye jin rong ji gou ying ye wang dian zong shu da dao 22. 87 wan ge, pang da de yin hang wang dian ren zheng wei yi dong zhi fu ti gong le an quan bao zhang. yi dong zhi fu zui zhong yao de wen ti jiu shi an quan, er wo guo pang da de yin hang wang dian yi mian dui mian di xing shi dui chi ka ren shen fen zheng shou ji hao ma jia ting xin xi deng jin xing le shen du bang ding he ren zheng, yi wei zhe chi ka ren ben ren que ren le xiang ying shou ji zhuan zhang he zhi fu de quan xian, cong er yi dong zhi fu ping tai yu jie ji ka bang ding de tong shi, jiu deng tong yu dui yi dong zhi fu ping tai jin xing le shou quan. yin lian wang lian xing cheng shuang zhi zhu, yang hang zhu dao de qing suan xi tong cu jin yi dong zhi fu an quan gao xiao jin xing. 2018 nian 6 yue 30 ri, yang hang zai yin lian de ji chu shang cheng li wang lian, di san fang zhi fu gong si she ji de wang luo zhi fu ye wu xu yao tong guo wang lian jin xing qing suan. ci qian, yin lian tong guo kua xing qing suan xi tong shi xian yin hang ti xi de hu tong hu lian, er di san fang zhi fu yi zhi chu yu ruo jian guan qu yu, zai wang lian cheng li hou, yi dong zhi fu ye wu de qing suan tong guo wang lian jin xing, geng jia an quan gao xiao. fan guan ou mei, shi chang hua de yin hang bing mei you zu gou de dong li kai zhan da gui mo de an quan ren zheng fu wu, che zhou le hai wai yi dong zhi fu de fa zhan. guo wai yin hang xi tong cong cheng ben li yi jiao du kao lv da duo bu hui zhi chi di san fang zhi fu ping tai, ou mei guo jia yin hang huo ka zu zhi geng bu yuan yi cheng dan da liang di xiao yi shen zhi fu xiao yi de an quan ren zheng fu wu he qing suan jie suan ye wu. er wo guo fen bu guang fan xi tong fa da de yin hang ti zhi yu bu ji cheng ben zheng ce dao xiang de jing ying li nian xiang jie he, shi de di san fang zhi fu ping tai neng gou xun su huo qu shi chang xin ren bing fa zhan zhuang da. 3. 1. 3 ti yan hao: fei shi chang hua dian xin fu wu xi tong, yi dong hu lian wang wang luo fu gai guang fan zheng fu zhu dao de dian xin pu hui fu wu, zhong guo yi dong wang luo fu gai lv gao. gong xin bu biao shi, wo guo 4G wang luo yi fu gai jin 99 ren kou, chao 95 de xing zheng cun yi tong guang xian kuan dai, li zheng 2020 nian qian jiang 4G wang luo fu gai lv ti zhi 98. yi dong wang luo de gao fu gai lv ji da ti gao le yi dong zhi fu de shi yong ti yan, ji shi zai nong cun di qu ye neng gou kuai jie fang bian shi xian yi dong zhi fu. 3. 2 hou fa you shi: jie ji ka shen tou lv gao, xin yong ka shen tou lv di, zu li xiao 3. 2. 1 zhi fu xi guan: jie ji ka shi yong lv gao, yi dong zhi fu qu dai xian jin dai lai bian jie zhong guo jie ji ka ren jun chi ka liang yuan chao ou mei, xin yong ka ren jun chi ka liang xiang dui luo hou, ou mei xi guan xin yong ka zhi fu, xiao fei zhe he shang hu zhuan huan dong li bu zu. yin hang zhu dao ji chu she shi jian she xiao fei xi guan deng duo chong yin su die jia, wo guo ju min qing xiang yu shi yong jie ji ka he xian jin, 2016 nian jie ji ka ren jun chi ka liang 4. 47 zhang, yuan gao yu fa da guo jia chi you liang, er xin yong ka ren jun chi you liang jin 0. 31 zhang, zhi 2018 nian 9 yue ye jin wei 0. 47 zhang. ci wai, zhong guo ren xi guan shi yong chu xu er fei xin yong, chang qi zhi fu xi guan shi de jie ji ka zai zhong guo de shi yong pin lv geng gao. fan guan ou mei, xin yong ka pu ji lv gao, ji chu she shi xiang dui cheng shu, zai shang hu chu shi yong xin yong ka fang bian kuai jie, xiao fei zhe he shang hu jun que fa gai bian dong li. shang hu pei zhi POS cheng ben gao, qie shua ka guo cheng xiang dui fan suo er wei ma zhi zuo cheng ben ji di, sao ma zhi fu shi jian yi miao ji. you yu ji chu she shi jian she xiang dui luo hou, shang hu POS ji chi you lv jiao di, zhi you da xing chao shi shang chang pei you POS ji, ju min shi yong POS ji shua ka de liu cheng fan suo, shi jian jiao chang. xiang fan, er wei ma zhi fu bu jin shang hu zhi zuo cheng ben di, xiao fei zhe ye ke yi xun su shi xian fu kuan, shuang fang shou yi. 3. 2. 2 hou fa you shi: xin yong ka li yi ji tuan wei xing cheng, yi dong zhi fu fa zhan zu li xiao ou mei xin yong ka zu zhi cheng shu, yi dong zhi fu yi yu qu dai xin yong ka, li yi ji tuan qiang shi, zu li jiao da. mu qian, quan qiu wu da xin yong ka zu zhi zhong ying mei zhan si ge, qie wan shi da VISA he wei shi ka MasterCard fu gai fan wei ji guang, jin 2016 nian wan shi da xin yong ka jiu da dao 31. 43 yi zhang, jiao yi gui mo 8. 87 wan yi mei yuan, xin yong ka zu zhi cheng shu, neng gou geng hao de shi xian zu zhi nei bu qing suan he guan li. ou mei yi dong zhi fu ru ApplePay he PayPal jun shi yong yi dong zhong duan jin xing jin chang zhi fu, yi yu qu dai xin yong ka, yin ci wu lun shi yin hang hai shi xin yong ka zu zhi, jun bu yuan she qi ben shen yi da gui mo ying li zhan ju shi chang zhu yao fen e de xin yong ka ye wu, zhuan er fa zhan yi dong zhi fu. zhong guo yi dong zhi fu qu dai de shi xian jin, yang hang zhu dao yin lian he wang lian, yin hang reng shi bu ke huo que huan jie, shi chang zu li jiao xiao. yi fang mian, zhong guo xin yong ka zu zhi zhi you yin lian, shu yu yang hang zhu dao de qing suan xi tong, xin yong ka zu zhi tian ran ju bei she hui fu wu shu xing, ci wai, yang hang cheng li le wang lian qing suan xi tong, zhuan men zhen dui di san fang zhi fu ping tai jin xing qing suan he guan li, yin ci yin lian dui yi dong zhi fu de zu li xiang dui jiao xiao. ling yi fang mian, chang qi zhi fu xi guan xia, zhong guo yi dong zhi fu qu dai de shi xian jin, er fei yin hang ka, yi dong zhi fu reng xu bang ding yin hang ka, bing tong guo wang lian yu yin hang shi xian qing suan, yin ci zai ben zhi shang, yin hang reng ran shi yi dong zhi fu ti xi zhong bu ke huo que de yi bu fen. zong he er yan, yin hang he xin yong ka zu zhi dui yi dong zhi fu de zu li yuan di yu mei guo. 3. 3 zheng ce li hao: xin yong ka fu wu fei gao, yi dong zhi fu shou xu fei di, gu li xiao e chang jing 3. 3. 1 xin yong ka fu wu fei gao: 96 fei gai, xin yong ka shua ka shou xu fei gao, shou dan ji gou pian hao jie ji ka jie ji ka dai ji ka shua ka fei lv fen kai guan li, dai ji ka shou xu fei bu she shang xian, shou dan ji gou pian hao jie ji ka. 2016 nian 9 yue 6 ri, fa gai wei he yang hang fa bu de guan yu wan shan yin hang ka shua ka shou xu fei ding jia ji zhi de tong zhi zheng shi kai shi shi shi, zhe shi zhong guo zhi fu shi shang zui da de yi ci shou xu fei bian ge, yin ci bei cheng wei" 96 fei gai"." 96 fei gai" hou, jie ji ka dai ji ka fei lv fen kai guan li, dai ji ka shua ka shou xu fei bu feng ding, yin ci xiao fei zhe shua xin yong ka de fei lv yao gao yu shua chu xu ka, qie xiao fei zhe da e xiao fei shi ru guo shi yong xin yong ka, ze shou dan ji gou xu yao zhi fu de fei yong jiu hui da da zeng jia, zhe jiu dao zhi shou dan ji gou geng le yu jie shou jie ji ka. shang wen ti dao, wo guo jie ji ka ren jun chi ka liang shi jie ling xian, yin ci yi dong zhi fu bang ding jie ji ka cheng wei zhu liu fang shi. 3. 3. 2 yi dong zhi fu shou xu fei di: yi dong zhi fu ping tai xiang shang hu shou qu de shou xu fei fei lv yuan di yu ou mei zhong guo yi dong zhi fu ping tai xiang shang hu shou qu de shou xu fei he zhuan zhang shou xu fei yuan di yu mei guo. shang hu shou xu fei he zhuan zhang shou xu fei di, you xiao cu jin le yi dong zhi fu zai zhong guo de peng bo fa zhan, yi shang hu xiao shou wei li, mei guo shang hu shi yong PayPal shou kuan, mei cheng jiao yi bi ye wu, xu yao an jiao yi e e 2. 9 he gu ding fei yong 0. 3 mei yuan jiao na fu wu fei, er zhong guo de shang hu shi yong zhi fu bao shou kuan de fei lv jiao di, pu bian bu chao guo 0. 5 shen zhi wu shou xu fei. 4 yi dong zhi fu wei lai qu shi yu an li 4. 1 er wei ma zhi fu: zhi fu bao cai fu tong reng jiang chang qi long duan zhi fu bao he cai fu tong shi zhong guo di san fang yi dong zhi fu shi chang liang gua tou, er wei ma reng jiang chang qi zhan ju yi dong zhi fu zhu dao di wei. zhi fu bao cong shang ye sheng huo jin rong jiao du qie ru yi dong zhi fu, wei xin yi kao she jiao qie ru yi dong zhi fu, liang zhe long duan di san fang yi dong zhi fu shi chang. 4. 1. 1 zhi fu bao: li zu shang ye shen tou sheng huo tuo zhan jin rong ji shu chu hai zhi fu bao gen zhi yu shang ye, dui ge ren mian fei, pei yu yong hu, xing cheng bi lei, sui hou bang ding shang hu, dui shang hu shou fei cong sheng huo chang jing chu fa, ti gao fu gai lv, da jian cheng qiang, zhua lao da qi ye he shang hu, zhu bu you xiao ji da, you qian ru shen, shen tou ju min sheng huo de fang fang mian mian. di yi bu, li zu shang ye, bang ding shang hu. zhi fu bao gen zhi yu tao bao, fa zhan zao qi yu wang gou chang jing shen du bang ding, 2003 nian shang xian zhi chu jiu shi wei shang hu he xiao fei zhe ti gong xin yong dan bao, da jian qi mai mai shuang fang xin yong de qiao liang. yin ci, zhi fu bao tian ran jiu ju bei bang ding shang hu fu wu shang ye de shu xing. sui hou, zhi fu bao tong guo dui ge ren yong hu mian fei, shi xian shi chang pei yu, zhu bu shen tou, sui hou dui shang hu shou fei huo qu ying li, tong guo shui dian ran qi deng yi dong zhi fu xiao chang jing xi yin yong hu, ti gao zhi fu bao shi yong fu gai lv, zhua lao da liang shang hu. di er bu, du li zhi fu, chan ye xie tong. 2005 nian qi, zhi fu bao lian he shang ye yin hang xin yong ka zu zhi deng jin xing chang jing tuo zhan, chan ye ban tu zhu bu tuo kuan, jiang tao bao dan yi yong hu tuo kuan zhi feng fu de duo yuan yong hu. jie zhi 2006 nian di, shi yong zhi fu bao de fei tao bao shang jia yi jing chao guo 30 wan jia, zhi fu bao zuo wei du li zhi fu ping tai de di wei zhu jian shou dao ren ke, wai bu shang jia zhan bi da 30. 2008 nian 8 yue, zhi fu bao yong hu tu po 1 yi, chao guo tao bao 8000 wan yong hu, zhan wang min zong shu de 40. 2008 nian, zhi fu bao kai shi jin ru gong gong shi ye xing jiao fei shi chang, tong guo zhi fu bao ke yi jiao na shui dian ran qi tong xin deng ri chang fei yong, bing yu lv you zai xian ping tai he zuo bu ju yi dong ling yu, tong shi shi xian suo you B2C wang zhan de jie ru, wai bu chang jing jin yi bu tuo kuan. 2009 nian di, zhi fu bao wai bu shang jia da dao 46 wan, quan nian jiao yi e 2871 yi, shi chang fen e 49. 8, 2010 nian di zhi fu bao yong hu tu po 5 yi. di san bu, fa zhan ke ji, bu ju jin rong. 2013 nian 6 yue, yu e bao shang xian, hu lian wang li cai zhu jian fa zhan, yu e bao yong hu chao 4. 74 yi, zi guan gui mo 1. 58 wan yi 2013 nian 8 yue zhi fu bao yong hu bu zai bang ding xin yong ka huo chu xu ka, ji ke zhi jie tou zhi xiao fei, hou qi fa zhan chu hua bei jie bei deng xiao fei jin rong ye wu, yong hu chao 3 yi ci wai, zhi ma xin yong jian shou ren ke, cheng wei zhong yao de zheng xin lai yuan, ma yi bao xian zai cai xian shou xian deng ling yu quan mian bu ju, zhi fu bao de quan fang wei jin rong fu wu ti yan geng jia. di si bu, hai wai kuo zhang, ji shu shu chu. sui zhe guo nei shi chang de bao he, zhi fu bao miao zhun zhong guo hai wai lv you ren qun he hai wai ke hu, shi xing ji shu chu hai zhan lue, jian li zhan lue he zuo guan xi gou mai gu fen he bing huo zu jian he zi gong si de fang shi tui guang jin rong fu wu, ti gong ji shu he feng kong xi tong zhi chi, bang zhu he zuo huo ban shi xian chan pin ben di hua. dian xing de an li ru yin du de Paytm, zai zhi fu bao de ji shu zhi chi he bang zhu xia, qi yong hu cong 2017 nian 4 yue de 3000 wan zeng zhang dao 2017 nian mo de 2. 2 yi, chao guo le Paypal, cheng wei quan qiu di san da shu zi qian bao. 4. 1. 2 cai fu tong: she jiao you xi she jiao zhi fu shang ye zhi fu chi xu fu neng di yi bu, hong bao she jiao, jin rong you xi. wei xin hong bao dan sheng yu 2013 nian 8 yue, ping jie jin wei xin jin 3 yi she jiao yong hu, cu jin le she jiao jin rong xiao you xi" wei xin hong bao" zai 2014 nian chun jie de bao fa, cheng gong dian ding le wei xin zhi fu de shi chang di wei. di er bu, she jiao zhuan zhang, shi shi zhuan zhang. li zu 2014 nian chun jie wei xin hong bao de qiang shi bao fa, wei xin zhu bu tuo zhan she jiao zhi fu, she jiao zhuan zhang shi shi zhuan zhang de bian jie xing cu jin wei xin zhi fu shen tou lv shi xian kua yue. 2015 nian chun jie wei xin zhi fu" yao yi yao" zai chun jie qi jian shi xian 10. 1 yi ci shou fa, sui hou huo yue yong hu shu cong 2015 nian 1 yue de 3. 8 yi kua yue zhi 6 yue de 5. 4 yi, jin yi bu dian ding le wei xin zhi fu zai she jiao zhuan zhang shi shi zhuan zhang ling yu de he xin di wei. di san bu, xian xia zhi fu, fu wu shang zhi. zai she jiao zhi fu fa zhan cheng shu de ji chu shang, wei xin kai shi tan suo xian xia zhi fu, cai qu fu wu shang ji zhi, yu fu wu shang hu li hu hui, yi fang mian, wei xin zhi fu wei zhong xiao shang hu ti gong ji shu fu wu yun ying zhi chi he zi jin jie suan fu wu, ling yi fang mian, zhong xiao shang hu cheng dan le wei xin zhi fu de xian xia tui dong ren wu. yin ci, 2016 nian wei xin zhi fu zai xian xia xun su qu de tu po, jie ru xian xia men dian chao 30 wan jia, jiao yi gui mo duan qi nei xun su meng zeng, zai xian xia zhi fu ling yu zhu qi hu cheng he. di si bu, chi xu fu neng, she zu jin rong. wei xin jiu gong ge chu xian wei li dai jie qian xin yong ka hai kuan li cai tong bao xian fu wu deng jin rong fu wu, jiu gong ge zhong jin rong fu wu zhan si, jin rong chang jing zai yi dong zhi fu zhong de di wei ke jian yi ban. wei xin zhi fu tong guo jin rong chang jing de tuo zhan, bu duan wei zhi fu fu neng, zha gen xiao fei hu lian wang. 4. 2 NFC zhi fu: an quan xing bian jie xing gao, chuan tong ji gou da li tui guang pu ji nan du da, an quan xing bian jie xing gao, NFC zhi fu you wang yu er wei ma jiao gao xia. NFC jin chang ji shu tong guo zhi neng zhong duan shi xian zhi fu, dan you yu NFC ji shu xu yao zhong duan nei zhi zhi neng xin pian deng she bei fu zhu wan cheng, yin ci dui zhong duan di yao qiu jiao gao, bu shi suo you de shou ji dou ju bei NFC gong neng, yin ci pu ji nan du bi er wei ma gao. dan shi, NFC zhi fu de an quan xing he bian jie xing chao guo er wei ma, yin ci ye shi wei lai yi dong zhi fu de zhong yao fa zhan qu shi. chuan tong jin rong dian xin fu wu shang tui dong NFC zhi fu fa zhan, gong gong jiao tong ling yu wei zhu yao tu po kou. hu lian wang ju tou zai di san fang yi dong zhi fu ling yu de bi lei yi jing xing cheng, yin lian yin hang dian xin yun ying shang shou ji chang shang deng ji gou xiang yao zai er wei ma zhi fu ying de shi chang fen e nan du jiao gao, yin ci zhe lei ji gou pu bian xuan ze tui dong NFC zhi fu ji shu fa zhan. you yu er wei ma de shi yong yi jing zu gou kuai jie fang bian, yin ci NFC de tui guang nan du jiao da, dan shi zai gong gong jiao tong ling yu, NFC zhi fu de bian jie xing geng jia tu chu, yin ci gong gong jiao tong you wang cheng wei NFC zhi fu de zhong yao tu po kou. sui zhe NFC ji shu de cheng shu he zhi neng zhong duan di jin yi bu fa zhan, NFC zhi fu you wang cheng wei zhong yao de xian xia zhi fu fang shi.

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