为什么信用卡在中国这个全球第二大经济体并不普及_热点_CHN强国网 - 澳门网上娱乐网址大全
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2019-01-08 17:09:02 | 来源: | 查看: 0 | 参与: 0 | 作者:三泰虎

  Why aren’t credit cards popular in China, the world's second largest economy?

  为什么信用卡在中国这个全球第二大经济体并不普及?

  QUORA网站读者评论: 

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  Sean McDirmid, lived in Beijing, China (2007-2016)

  As others have stated, China has leaped frog credit cards to mobile payments, something that has been difficult to take of in the west because they already have credit cards.

  Now, there is something else: China was never able to handle credit cards very well. The banks, for example, would get ripped off a lot and so it would be difficult to acquire a credit card (especially if you are a foreigner without the backing of your company). For the same reason that personal checks never really existed in China, credit cards never became popular because the trust needed to use them effectively didn’t exist.

  正如其他人提到的,中国已经从信用卡跃入移动支付时代,这在西方很难推行,因为他们已经有信用卡了。

  还有其他原因:中国在信用卡管理方面一直做得不太好。例如说,银行会被高额欺诈,因此要获批信用卡很难(特别是如果你是个外国人,公司不给予支持的话)。这就像个人支票在中国从未真正存在过一样,信用卡从未大规模普及,因为有效使用信用卡所需的信任寄出并不存在。  

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  Not only that, but the rules are very different. Normally, when fraud occurs, the bank that issued the credit card would require the merchant to provide proof that the transaction was legit…the burden of proof is always on the merchant! However, in China, the burden of proof is on the card user instead, making credit cards much more dangerous to use. In fact, many businesses abroad will look for these credit cards (e.g. issued by ICBC) to take advantage of, meaning Chinese credit card users have become increasingly attractive targets of fraud given their bank’s policies.

  不仅如此,规则也大不相同。通常来说,当发生信用卡欺诈时,发行信用卡的银行会要求商家提供交易合法的证明……证明的责任从来都是落在商家身上!然而,在中国,举证责任却落在了信用卡使用者身上,这使得信用卡的使用变得更加危险。事实上,许多海外商户会寻找这些信用卡(例如工商银行发行的信用卡)加以利用,这意味着考虑到中国的银行政策,中国信用卡用户已成为越来越有吸引力的欺诈目标。

  

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