{"id":5256,"date":"2025-09-21T02:19:23","date_gmt":"2025-09-21T02:19:23","guid":{"rendered":"https:\/\/exchangerateweb.com\/the-evolution-of-credit-cards-in-china-market-trends-and-consumer-adoption\/"},"modified":"2026-05-23T14:46:34","modified_gmt":"2026-05-23T14:46:34","slug":"%e4%b8%ad%e5%9b%bd%e4%bf%a1%e7%94%a8%e5%8d%a1%e5%b8%82%e5%9c%ba%e5%8f%91%e5%b1%95%e8%b6%8b%e5%8a%bf%e5%8f%8a%e6%b6%88%e8%b4%b9%e8%80%85%e6%8e%a5%e5%8f%97%e5%ba%a6","status":"publish","type":"post","link":"https:\/\/exchangerateweb.com\/zh\/the-evolution-of-credit-cards-in-china-market-trends-and-consumer-adoption\/","title":{"rendered":"\u4e2d\u56fd\u4fe1\u7528\u5361\u7684\u53d1\u5c55\u6f14\u53d8\uff1a\u5e02\u573a\u8d8b\u52bf\u4e0e\u6d88\u8d39\u8005\u63a5\u53d7\u5ea6"},"content":{"rendered":"<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"585\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Modern-Chinese-credit-cards-displayed-alongside-mobile-payment-QR-codes-showing-the-evolution-1024x585.jpeg\" alt=\"\u73b0\u4ee3\u4e2d\u56fd\u4fe1\u7528\u5361\u4e0e\u79fb\u52a8\u652f\u4ed8\u4e8c\u7ef4\u7801\u5e76\u5217\u5c55\u793a\uff0c\u5c55\u73b0\u4e86\u4e2d\u56fd\u4fe1\u7528\u5361\u7684\u53d1\u5c55\u5386\u7a0b\u3002\" class=\"wp-image-5257\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Modern-Chinese-credit-cards-displayed-alongside-mobile-payment-QR-codes-showing-the-evolution-1024x585.jpeg 1024w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Modern-Chinese-credit-cards-displayed-alongside-mobile-payment-QR-codes-showing-the-evolution-300x171.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Modern-Chinese-credit-cards-displayed-alongside-mobile-payment-QR-codes-showing-the-evolution-768x439.jpeg 768w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Modern-Chinese-credit-cards-displayed-alongside-mobile-payment-QR-codes-showing-the-evolution.jpeg 1344w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">\u4e2d\u56fd\u4fe1\u7528\u5361<\/figcaption><\/figure>\n\n\n<div class=\"styled-container\">\n<section id=\"introduction\">\n<p>\u8fd1\u5e74\u6765\uff0c\u4e2d\u56fd\u7684\u4fe1\u7528\u5361\u5e02\u573a\u683c\u5c40\u53d1\u751f\u4e86\u7ffb\u5929\u8986\u5730\u7684\u53d8\u5316\uff0c\u4ece\u73b0\u91d1\u4e3b\u5bfc\u7684\u793e\u4f1a\u53d1\u5c55\u6210\u4e3a\u5168\u7403\u6570\u5b57\u5316\u7a0b\u5ea6\u6700\u9ad8\u7684\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u4e4b\u4e00\u3002\u8fd9\u79cd\u8f6c\u53d8\u7ed9\u6d88\u8d39\u8005\u3001\u91d1\u878d\u673a\u6784\u548c\u5916\u56fd\u6295\u8d44\u8005\u90fd\u5e26\u6765\u4e86\u72ec\u7279\u7684\u6311\u6218\u548c\u673a\u9047\u3002\u6df1\u5165\u4e86\u89e3\u4e2d\u56fd\u4fe1\u7528\u5361\u7684\u7ec6\u5fae\u5dee\u522b\u53ca\u5176\u5728\u66f4\u5e7f\u6cdb\u7684\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u4e2d\u7684\u5b9a\u4f4d\uff0c\u5bf9\u4e8e\u9a7e\u9a6d\u8fd9\u4e2a\u5145\u6ee1\u6d3b\u529b\u7684\u5e02\u573a\u81f3\u5173\u91cd\u8981\u3002.<\/p>\n<\/section>\n<section id=\"overview\">\n<h2>\u4e2d\u56fd\u4fe1\u7528\u5361\u5e02\u573a\u6982\u89c8<\/h2>\n<div class=\"img-container\">\n<p class=\"img-caption\">\u4e2d\u56fd\u4e0d\u65ad\u6f14\u53d8\u7684\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\uff1a\u4f20\u7edf\u4fe1\u7528\u5361\u4e0e\u5360\u636e\u4e3b\u5bfc\u5730\u4f4d\u7684\u79fb\u52a8\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\u5e76\u5b58<\/p>\n<\/p><\/div>\n<p><a href=\"https:\/\/exchangerateweb.com\/zh\/%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e4%b8%8e%e7%94%b5%e5%ad%90%e4%ba%ba%e6%b0%91%e5%b8%81%e7%9a%84%e5%b4%9b%e8%b5%b7%ef%bc%9a%e4%b8%ad%e5%9b%bd%e5%a6%82%e4%bd%95%e9%87%8d%e6%96%b0%e5%ae%9a%e4%b9%89\/\" title=\"\u6570\u5b57\u652f\u4ed8\u4e0e\u7535\u5b50\u8d27\u5e01\u7684\u5d1b\u8d77\uff1a\u4e2d\u56fd\u5982\u4f55\u91cd\u65b0\u5b9a\u4e49\u8d27\u5e01\"  data-wpil-monitor-id=\"825\">\u4e2d\u56fd\u7684\u4fe1\u7528\u5361\u5e02\u573a<\/a> \u5c3d\u7ba1\u9762\u4e34\u6765\u81ea\u79fb\u52a8\u652f\u4ed8\u5e73\u53f0\u7684\u6fc0\u70c8\u7ade\u4e89\uff0c\u4fe1\u7528\u5361\u5e02\u573a\u4f9d\u7136\u5b9e\u73b0\u4e86\u663e\u8457\u589e\u957f\u3002\u622a\u81f32023\u5e74\uff0c\u6d41\u901a\u4e2d\u7684\u4fe1\u7528\u5361\u6570\u91cf\u5df2\u8d85\u8fc78\u4ebf\u5f20\uff0c\u5e02\u573a\u4ecd\u5728\u6301\u7eed\u6269\u5f20\uff0c\u5c3d\u7ba1\u589e\u901f\u8f83\u524d\u51e0\u5e74\u6709\u6240\u653e\u7f13\u3002\u94f6\u8054\u4ecd\u7136\u662f\u5360\u636e\u4e3b\u5bfc\u5730\u4f4d\u7684\u5361\u7ec4\u7ec7\uff0c\u63a7\u5236\u7740\u56fd\u5185\u7ea690%\u7684\u5e02\u573a\u4efd\u989d\u3002 <a href=\"https:\/\/exchangerateweb.com\/zh\/2024%e5%b9%b4%e5%9b%bd%e9%99%85%e6%97%85%e8%a1%8c%e4%b8%ad%ef%bc%8cvisa%e5%92%8cmastercard%e5%93%aa%e4%b8%aa%e6%9b%b4%e5%a5%bd%ef%bc%9f\/\" title=\"Visa \u548c Mastercard \u5728\u56fd\u9645\u65c5\u884c\u4e2d\u54ea\u4e2a\u66f4\u597d\uff1f\uff082024 \u5e74\uff09\"  data-wpil-monitor-id=\"517\">Visa \u548c Mastercard \u7b49\u56fd\u9645\u7f51\u7edc<\/a> \u76d1\u7ba1\u653f\u7b56\u53d8\u5316\u540e\u53d6\u5f97\u7684\u8fdb\u5c55\u6709\u9650\u3002.<\/p>\n<p>\u4e0e\u897f\u65b9\u5e02\u573a\u4e0d\u540c\uff0c\u4e2d\u56fd\u7684\u4fe1\u7528\u5361\u751f\u6001\u7cfb\u7edf\u5b58\u5728\u4e8e\u4e00\u4e2a\u72ec\u7279\u7684\u652f\u4ed8\u73af\u5883\u4e2d\uff0c\u5176\u4e2d\u79fb\u52a8\u652f\u4ed8\u5360\u636e\u4e3b\u5bfc\u5730\u4f4d\u3002 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%92%8c%e7%94%b5%e5%ad%90%e4%ba%ba%e6%b0%91%e5%b8%81%e7%9a%84%e5%b4%9b%e8%b5%b7%ef%bc%9a%e4%b8%ad%e5%9b%bd%e5%a6%82%e4%bd%95%e9%87%8d%e6%96%b0%e5%ae%9a%e4%b9%89\/\" title=\"\u6570\u5b57\u4eba\u6c11\u5e01\"  data-wpil-monitor-id=\"847\">\u652f\u4ed8\u5b9d\u7b49\u652f\u4ed8\u5e94\u7528<\/a> \u5fae\u4fe1\u652f\u4ed8\u5728\u65e5\u5e38\u4ea4\u6613\u4e2d\u5360\u636e\u4e3b\u5bfc\u5730\u4f4d\u3002\u8fd9\u8feb\u4f7f\u4fe1\u7528\u5361\u53d1\u5361\u673a\u6784\u901a\u8fc7\u4e0e\u8fd9\u4e9b\u5e73\u53f0\u66f4\u6df1\u5165\u7684\u6574\u5408\u6765\u9002\u5e94\u53d8\u5316\uff0c\u800c\u4e0d\u662f\u76f4\u63a5\u4e0e\u5b83\u4eec\u7ade\u4e89\u3002.<\/p>\n<div class=\"cta-block\">\n<h3 class=\"cta-block-title\">\u968f\u65f6\u4e86\u89e3\u4e2d\u56fd\u91d1\u878d\u5e02\u573a\u52a8\u6001<\/h3>\n<p class=\"cta-block-text\">\u83b7\u53d6\u6211\u4eec\u5173\u4e8e\u4e2d\u56fd\u4fe1\u7528\u5361\u884c\u4e1a\u8d8b\u52bf\u3001\u76d1\u7ba1\u52a8\u6001\u548c\u5e02\u573a\u9884\u6d4b\u7684\u5b63\u5ea6\u62a5\u544a\u3002.<\/p>\n<p>    <a href=\"#download-report\" class=\"cta-btn cta-btn-large\">\u4e0b\u8f7d\u514d\u8d39\u5e02\u573a\u62a5\u544a<\/a>\n  <\/div>\n<\/section>\n<section id=\"growth-drivers\">\n<h2>\u589e\u957f\u9a71\u52a8\u56e0\u7d20\uff1a\u6570\u5b57\u5316\u3001\u91d1\u878d\u79d1\u6280\u521b\u65b0\u548c\u653f\u5e9c\u653f\u7b56<\/h2>\n<div class=\"img-container\">\n    <img decoding=\"async\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumer-using-facial-recognition-payment-technology-at-a-modern-retail-store-in.jpeg\" alt=\"\u4e2d\u56fd\u6d88\u8d39\u8005\u5728\u4e0a\u6d77\u4e00\u5bb6\u73b0\u4ee3\u96f6\u552e\u5e97\u4f7f\u7528\u4eba\u8138\u8bc6\u522b\u652f\u4ed8\u6280\u672f\" title=\"\u4e2d\u56fd\u6d88\u8d39\u8005\u5728\u4e0a\u6d77\u4e00\u5bb6\u73b0\u4ee3\u96f6\u552e\u5e97\u4f7f\u7528\u4eba\u8138\u8bc6\u522b\u652f\u4ed8\u6280\u672f\" width=\"1024\" height=\"768\" class=\"aligncenter size-large wp-image-5258\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumer-using-facial-recognition-payment-technology-at-a-modern-retail-store-in.jpeg 1024w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumer-using-facial-recognition-payment-technology-at-a-modern-retail-store-in-300x225.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumer-using-facial-recognition-payment-technology-at-a-modern-retail-store-in-768x576.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p class=\"img-caption\">\u4eba\u8138\u8bc6\u522b\u652f\u4ed8\u6280\u672f\u4ee3\u8868\u4e86\u4e2d\u56fd\u91d1\u878d\u79d1\u6280\u521b\u65b0\u7684\u524d\u6cbf\u9886\u57df\u3002<\/p>\n<\/p><\/div>\n<p>\u8fd1\u5e74\u6765\uff0c\u6709\u51e0\u4e2a\u5173\u952e\u56e0\u7d20\u5f71\u54cd\u4e86\u4e2d\u56fd\u4fe1\u7528\u5361\u5e02\u573a\u7684\u53d1\u5c55\u6f14\u53d8\uff1a<\/p>\n<div class=\"two-columns\">\n<div>\n<h3>\u6570\u5b57\u5316<\/h3>\n<p>\u4e2d\u56fd\u7ecf\u6d4e\u7684\u5feb\u901f\u6570\u5b57\u5316\u8f6c\u578b\u6539\u53d8\u4e86\u6d88\u8d39\u8005\u4e0e\u91d1\u878d\u670d\u52a1\u4e92\u52a8\u7684\u65b9\u5f0f\u3002 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e5%96%80%e9%ba%a6%e9%9a%86%e8%99%9a%e6%8b%9f%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%9a%84%e4%bc%98%e5%8a%bf%e3%80%81%e8%a6%81%e6%b1%82%e5%92%8c%e8%ae%be%e7%bd%ae%e6%ad%a5%e9%aa%a4\/\" title=\"\u5580\u9ea6\u9686\u865a\u62df\u4fe1\u7528\u5361\uff1a\u4f18\u52bf\u3001\u8981\u6c42\u548c\u8bbe\u7f6e\u6b65\u9aa4\"  data-wpil-monitor-id=\"574\">\u5361\u7247<\/a> \u53d1\u5361\u673a\u6784\u5df2\u5168\u9762\u91c7\u7528\u6570\u5b57\u5316\u7533\u8bf7\u6d41\u7a0b\u3001\u865a\u62df\u5361\u548c\u65e0\u7f1d\u79fb\u52a8\u96c6\u6210\u3002\u636e\u4e2d\u56fd\u4eba\u6c11\u94f6\u884c\u7edf\u8ba1\uff0c, <a href=\"https:\/\/exchangerateweb.com\/zh\/%e6%96%b0%e5%8a%a0%e5%9d%a1%e5%85%83%e5%85%91%e7%be%8e%e5%85%83%e6%b1%87%e7%8e%87%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97\/\" title=\"\u65b0\u52a0\u5761\u5143\u5151\u7f8e\u5143\uff1a\u65b0\u52a0\u5761\u5143\uff08SGD\uff09\u6c47\u7387\u5b8c\u5168\u6307\u5357\"  data-wpil-monitor-id=\"394\">\u6570\u5b57\u4fe1\u7528\u5361\u7533\u8bf7<\/a> 2023\u5e74\u6bd4\u4e0a\u4e00\u5e74\u589e\u52a0\u4e8635%\u3002.<\/p>\n<\/p><\/div>\n<div>\n<h3>\u91d1\u878d\u79d1\u6280\u521b\u65b0<\/h3>\n<p>\u4e2d\u56fd\u94f6\u884c\u4e1a\u5df2\u5229\u7528\u5148\u8fdb\u6280\u672f\u63d0\u5347\u4fe1\u7528\u5361\u670d\u52a1\u3002\u751f\u7269\u8bc6\u522b\u8ba4\u8bc1\u3001\u4eba\u5de5\u667a\u80fd\u4fe1\u7528\u8bc4\u5206\u548c\u57fa\u4e8e\u533a\u5757\u94fe\u7684\u5b89\u5168\u529f\u80fd\u65e5\u76ca\u666e\u53ca\u3002\u8fd9\u4e9b\u521b\u65b0\u5728\u6539\u5584\u7528\u6237\u4f53\u9a8c\u7684\u540c\u65f6\uff0c\u81ea2021\u5e74\u4ee5\u6765\u5df2\u5c06\u6b3a\u8bc8\u7387\u964d\u4f4e\u4e86\u7ea622%\u4ebf\u7f8e\u5143\u3002.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<div class=\"two-columns\">\n<div>\n<h3>\u653f\u5e9c\u653f\u7b56<\/h3>\n<p>\u76d1\u7ba1\u653f\u7b56\u7684\u53d8\u5316\u5bf9\u5e02\u573a\u53d1\u5c55\u4ea7\u751f\u4e86\u91cd\u5927\u5f71\u54cd\u3002\u4e2d\u56fd\u653f\u5e9c\u9010\u6b65\u2026\u2026 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e7%be%8e%e5%9b%bd%e5%85%ac%e6%b0%91%e5%8f%af%e4%bb%a5%e5%9c%a8%e6%b2%a1%e6%9c%89%e7%be%8e%e5%9b%bd%e5%9c%b0%e5%9d%80%e7%9a%84%e6%83%85%e5%86%b5%e4%b8%8b%e5%bc%80%e8%ae%be%e5%a4%96%e5%9b%bd%e9%93%b6\/\" title=\"\u7f8e\u56fd\u516c\u6c11\u53ef\u4ee5\u5728\u6ca1\u6709\u7f8e\u56fd\u5730\u5740\u7684\u60c5\u51b5\u4e0b\u5f00\u8bbe\u5916\u56fd\u94f6\u884c\u8d26\u6237\u5417\uff1f.\"  data-wpil-monitor-id=\"1413\">\u5411\u5916\u56fd\u5f00\u653e\u56fd\u5185\u5e02\u573a<\/a> \u5361\u7ec4\u7ec7\u4ee5\u53ca\u65e8\u5728\u4fc3\u8fdb\u666e\u60e0\u91d1\u878d\u7684\u5404\u9879\u4e3e\u63aa\uff0c\u521b\u9020\u4e86\u65b0\u7684\u673a\u9047\u3002\u7136\u800c\uff0c\u4e25\u683c\u7684\u6570\u636e\u672c\u5730\u5316\u8981\u6c42\u548c\u5b89\u5168\u6cd5\u89c4\u4ecd\u7136\u7ed9\u56fd\u9645\u53c2\u4e0e\u8005\u5e26\u6765\u6311\u6218\u3002.<\/p>\n<\/p><\/div>\n<div>\n<h3>\u65b0\u51a0\u75ab\u60c5\u7684\u5f71\u54cd<\/h3>\n<p>\u75ab\u60c5\u52a0\u901f\u4e86\u5411\u975e\u63a5\u89e6\u5f0f\u548c\u6570\u5b57\u652f\u4ed8\u7684\u8f6c\u53d8\u3002\u4fe1\u7528\u5361\u53d1\u884c\u673a\u6784\u4e5f\u968f\u4e4b\u52a0\u5f3a\u4e86\u975e\u63a5\u89e6\u5f0f\u652f\u4ed8\u529f\u80fd\u548c\u6570\u5b57\u5316\u6574\u5408\u3002\u5c3d\u7ba1\u6700\u521d\u5b58\u5728\u4e00\u4e9b\u62c5\u5fe7\uff0c\u4f46\u4fe1\u7528\u5361\u884c\u4e1a\u6700\u7ec8\u8fd8\u662f\u514b\u670d\u4e86\u8fd9\u4e9b\u6311\u6218\u3002 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e5%9b%bd%e9%99%85%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%bb%88%e6%9e%81%e5%87%ba%e5%9b%bd%e6%97%85%e8%a1%8c%e6%8c%87%e5%8d%97\/\" title=\"\u56fd\u9645\u4fe1\u7528\u5361\uff1a\u51fa\u56fd\u65c5\u884c\u7ec8\u6781\u6307\u5357\"  data-wpil-monitor-id=\"548\">\u5361\u7247<\/a> 2022 \u5e74\u672b\uff0c\u6d88\u8d39\u652f\u51fa\u5f3a\u52b2\u53cd\u5f39\uff0c\u5962\u4f88\u54c1\u548c\u56fd\u5185\u65c5\u6e38\u6210\u4e3a\u4e3b\u8981\u6d88\u8d39\u7c7b\u522b\u3002.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<\/section>\n<section id=\"market-trends\">\n<h2>\u4e2d\u56fd\u4fe1\u7528\u5361\u884c\u4e1a\u7684\u5f53\u524d\u5e02\u573a\u8d8b\u52bf<\/h2>\n<div class=\"img-container\">\n    <img decoding=\"async\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumer-using-a-contactless-credit-card-at-a-modern-POS-terminal-in-Beijing.jpeg\" alt=\"\u4e00\u4f4d\u4e2d\u56fd\u6d88\u8d39\u8005\u5728\u5317\u4eac\u7684\u73b0\u4ee3\u5316POS\u7ec8\u7aef\u4e0a\u4f7f\u7528\u975e\u63a5\u89e6\u5f0f\u4fe1\u7528\u5361\u3002\" title=\"\u4e00\u4f4d\u4e2d\u56fd\u6d88\u8d39\u8005\u5728\u5317\u4eac\u7684\u73b0\u4ee3\u5316POS\u7ec8\u7aef\u4e0a\u4f7f\u7528\u975e\u63a5\u89e6\u5f0f\u4fe1\u7528\u5361\u3002\" width=\"960\" height=\"768\" class=\"aligncenter size-large wp-image-5259\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumer-using-a-contactless-credit-card-at-a-modern-POS-terminal-in-Beijing.jpeg 960w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumer-using-a-contactless-credit-card-at-a-modern-POS-terminal-in-Beijing-300x240.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumer-using-a-contactless-credit-card-at-a-modern-POS-terminal-in-Beijing-768x614.jpeg 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/p>\n<p class=\"img-caption\">\u975e\u63a5\u89e6\u5f0f\u652f\u4ed8\u6280\u672f\u5728\u4e2d\u56fd\u57ce\u5e02\u4e2d\u5fc3\u5f97\u5230\u4e86\u8fc5\u901f\u666e\u53ca\u3002<\/p>\n<\/p><\/div>\n<h3>\u975e\u63a5\u89e6\u5f0f\u652f\u4ed8\u548c\u8fd1\u573a\u901a\u4fe1\u6280\u672f<\/h3>\n<p><a href=\"https:\/\/exchangerateweb.com\/zh\/%e6%97%a5%e6%9c%ac%e6%8e%a5%e5%8f%97%e7%9a%84%e4%bf%a1%e7%94%a8%e5%8d%a1%ef%bc%9a%e6%97%85%e8%a1%8c%e8%80%85%e5%bf%85%e5%a4%87%e6%8c%87%e5%8d%97\/\" title=\"\u65e5\u672c\u53ef\u63a5\u53d7\u7684\u4fe1\u7528\u5361\uff1a\u65c5\u884c\u8005\u5fc5\u5907\u6307\u5357\"  data-wpil-monitor-id=\"367\">\u975e\u63a5\u89e6\u5f0f\u652f\u4ed8\u7684\u666e\u53ca<\/a> \u8fd1\u573a\u901a\u4fe1\uff08NFC\uff09\u6280\u672f\u7684\u5e94\u7528\u5df2\u5448\u7206\u70b8\u5f0f\u589e\u957f\uff0c\u76ee\u524d\u4e3b\u8981\u57ce\u5e02\u7ea6\u670978%\u4e07\u4ebf\u7f8e\u5143\u7684\u4fe1\u7528\u5361\u4ea4\u6613\u901a\u8fc7NFC\u6280\u672f\u5b8c\u6210\u3002\u8fd9\u4e00\u8d8b\u52bf\u5728\u75ab\u60c5\u671f\u95f4\u52a0\u901f\u53d1\u5c55\uff0c\u5e76\u968f\u7740\u6d88\u8d39\u8005\u5bf9\u4fbf\u6377\u6027\u548c\u901f\u5ea6\u7684\u65e5\u76ca\u91cd\u89c6\u800c\u6301\u7eed\u589e\u957f\u3002\u53d1\u5361\u673a\u6784\u4e5f\u79ef\u6781\u54cd\u5e94\uff0c\u5c06\u975e\u63a5\u89e6\u5f0f\u652f\u4ed8\u529f\u80fd\u4f5c\u4e3a\u5176\u6240\u6709\u4ea7\u54c1\u7ebf\u7684\u6807\u914d\u3002.<\/p>\n<h3>\u8054\u540d\u5361\u548c\u6218\u7565\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb<\/h3>\n<p>\u8054\u540d\u4fe1\u7528\u5361\u5df2\u6210\u4e3a\u4e00\u79cd\u91cd\u8981\u7684\u2026\u2026 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e4%bf%9d%e6%8a%a4%e5%82%a8%e8%93%84%e5%85%8d%e5%8f%97%e8%b4%ac%e5%80%bc%e5%bd%b1%e5%93%8d\/%e4%bf%9d%e6%8a%a4%e5%82%a8%e8%93%84%e5%85%8d%e5%8f%97%e8%b4%ac%e5%80%bc%e5%bd%b1%e5%93%8d\/\" title=\"\u5982\u4f55\u4fdd\u62a4\u60a8\u7684\u50a8\u84c4\u514d\u53d7\u8d27\u5e01\u8d2c\u503c\u7684\u5f71\u54cd\uff1a7 \u79cd\u6709\u6548\u7b56\u7565\"  data-wpil-monitor-id=\"1683\">\u5e02\u573a\u7ec6\u5206\uff0c\u4ee5\u53ca\u94f6\u884c\u95f4\u7684\u5408\u4f5c\u5173\u7cfb<\/a> \u4e00\u4e9b\u77e5\u540d\u54c1\u724c\u4e5f\u63a8\u51fa\u4e86\u66f4\u5177\u4ef7\u503c\u4e3b\u5f20\u7684\u8054\u540d\u4fe1\u7528\u5361\u9879\u76ee\u3002\u963f\u91cc\u5df4\u5df4\u548c\u4eac\u4e1c\u7b49\u7535\u5546\u5de8\u5934\uff0c\u4ee5\u53ca\u643a\u7a0b\u7b49\u65c5\u6e38\u5e73\u53f0\uff0c\u90fd\u5df2\u6210\u529f\u63a8\u51fa\u8054\u540d\u4fe1\u7528\u5361\u9879\u76ee\uff0c\u5145\u5206\u5229\u7528\u5176\u73b0\u6709\u5ba2\u6237\u7fa4\u5e76\u63d0\u4f9b\u6574\u5408\u7684\u5956\u52b1\u3002.<\/p>\n<div class=\"table-container\">\n<table class=\"responsive-table responsive-table-striped\">\n<thead>\n<tr>\n<td data-row=\"head\">\u5361\u7247\u7c7b\u578b<\/td>\n<td data-row=\"head\">\u4e3b\u8981\u7279\u70b9<\/td>\n<td data-row=\"head\">\u76ee\u6807\u4eba\u7fa4<\/td>\n<td data-row=\"head\">\u5e02\u573a\u4efd\u989d\uff082023 \u5e74\uff09<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Card Type\">\u6807\u51c6\u94f6\u884c\u5361<\/td>\n<td data-label=\"Key Features\">\u57fa\u672c\u5956\u52b1\uff0c\u5206\u671f\u4ed8\u6b3e\u9009\u9879<\/td>\n<td data-label=\"Target Demographic\">\u5927\u4f17\u5e02\u573a<\/td>\n<td data-label=\"Market Share (2023)\">42%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Card Type\">\u8054\u540d\u7535\u5b50\u5546\u52a1<\/td>\n<td data-label=\"Key Features\">\u5e73\u53f0\u4e13\u5c5e\u5956\u52b1\u3001\u6298\u6263<\/td>\n<td data-label=\"Target Demographic\">\u5728\u7ebf\u8d2d\u7269\u8005<\/td>\n<td data-label=\"Market Share (2023)\">28%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Card Type\">\u9ad8\u7aef\u65c5\u884c<\/td>\n<td data-label=\"Key Features\">\u8d35\u5bbe\u4f11\u606f\u5ba4\u4f7f\u7528\u6743\u3001\u65c5\u884c\u4fdd\u9669<\/td>\n<td data-label=\"Target Demographic\">\u5bcc\u88d5\u7684\u65c5\u884c\u8005<\/td>\n<td data-label=\"Market Share (2023)\">15%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Card Type\">\u751f\u6d3b\u65b9\u5f0f\/\u5a31\u4e50<\/td>\n<td data-label=\"Key Features\">\u9910\u996e\u3001\u5a31\u4e50\u798f\u5229<\/td>\n<td data-label=\"Target Demographic\">\u57ce\u5e02\u5343\u79a7\u4e00\u4ee3<\/td>\n<td data-label=\"Market Share (2023)\">10%<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Card Type\">\u62c5\u4fdd\/\u5b66\u751f<\/td>\n<td data-label=\"Key Features\">\u964d\u4f4e\u4fe1\u8d37\u8981\u6c42<\/td>\n<td data-label=\"Target Demographic\">\u65b0\u7528\u6237<\/td>\n<td data-label=\"Market Share (2023)\">5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<h3>\u5148\u4e70\u540e\u4ed8 (BNPL) \u96c6\u6210<\/h3>\n<p>\u5148\u4e70\u540e\u4ed8 (BNPL) \u670d\u52a1\u5df2\u83b7\u5f97\u663e\u8457\u53d1\u5c55\uff0c\u4fe1\u7528\u5361\u53d1\u5361\u673a\u6784\u7eb7\u7eb7\u5c06\u8fd9\u4e9b\u529f\u80fd\u7eb3\u5165\u5176\u4ea7\u54c1\u4e2d\u3002\u5206\u671f\u4ed8\u6b3e\u9009\u9879\uff08\u5728\u652f\u4ed8\u5b9d\u751f\u6001\u7cfb\u7edf\u4e2d\u79f0\u4e3a\u201c\u82b1\u8fb9\u201d\uff09\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce\uff0c\u5c24\u5176\u662f\u5728\u5e74\u8f7b\u6d88\u8d39\u8005\u7fa4\u4f53\u4e2d\u3002\u6700\u65b0\u6570\u636e\u663e\u793a\uff0c2023 \u5e74 BNPL \u4ea4\u6613\u91cf\u589e\u957f\u4e86 421 \u4e07\u4ebf\u5143\u4eba\u6c11\u5e01\uff0c\u5e73\u5747\u4ea4\u6613\u989d\u7ea6\u4e3a 1200 \u5143\u4eba\u6c11\u5e01\u3002.<\/p>\n<div class=\"img-container\">\n    <img decoding=\"async\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Young-Chinese-consumers-comparing-credit-card-options-on-a-mobile-app-showing-BNPL-features-1024x683.jpeg\" alt=\"\u4e2d\u56fd\u5e74\u8f7b\u6d88\u8d39\u8005\u6b63\u5728\u901a\u8fc7\u624b\u673a\u5e94\u7528\u6bd4\u8f83\u4fe1\u7528\u5361\u9009\u9879\uff0c\u8be5\u5e94\u7528\u5c55\u793a\u4e86\u201c\u5148\u4e70\u540e\u4ed8\u201d\u529f\u80fd\u3002\" title=\"\u4e2d\u56fd\u5e74\u8f7b\u6d88\u8d39\u8005\u6b63\u5728\u901a\u8fc7\u624b\u673a\u5e94\u7528\u6bd4\u8f83\u4fe1\u7528\u5361\u9009\u9879\uff0c\u8be5\u5e94\u7528\u5c55\u793a\u4e86\u201c\u5148\u4e70\u540e\u4ed8\u201d\u529f\u80fd\u3002\" width=\"1024\" height=\"683\" class=\"aligncenter size-large wp-image-5260\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Young-Chinese-consumers-comparing-credit-card-options-on-a-mobile-app-showing-BNPL-features-1024x683.jpeg 1024w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Young-Chinese-consumers-comparing-credit-card-options-on-a-mobile-app-showing-BNPL-features-300x200.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Young-Chinese-consumers-comparing-credit-card-options-on-a-mobile-app-showing-BNPL-features-768x512.jpeg 768w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Young-Chinese-consumers-comparing-credit-card-options-on-a-mobile-app-showing-BNPL-features.jpeg 1152w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p class=\"img-caption\">\u5148\u4e70\u540e\u4ed8\u529f\u80fd\u5df2\u8d8a\u6765\u8d8a\u591a\u5730\u878d\u5165\u4fe1\u7528\u5361\u4ea7\u54c1\u4e2d\uff0c\u5438\u5f15\u4e86\u4f17\u591a\u5e74\u8f7b\u6d88\u8d39\u8005\u3002<\/p>\n<\/p><\/div>\n<div class=\"cta-block\">\n<h3 class=\"cta-block-title\">\u6bd4\u8f83\u4e2d\u56fd\u9876\u7ea7\u4fe1\u7528\u5361\u4f18\u60e0<\/h3>\n<p class=\"cta-block-text\">\u4f7f\u7528\u6211\u4eec\u7684\u4e92\u52a8\u5de5\u5177\uff0c\u6839\u636e\u60a8\u7684\u6d88\u8d39\u4e60\u60ef\u548c\u504f\u597d\uff0c\u627e\u5230\u6700\u9002\u5408\u60a8\u7684\u4e2d\u56fd\u4fe1\u7528\u5361\u3002.<\/p>\n<p>    <a href=\"#compare-cards\" class=\"cta-btn\">\u6bd4\u8f83\u4fe1\u7528\u5361<\/a>\n  <\/div>\n<\/section>\n<section id=\"key-players\">\n<h2>\u4e2d\u56fd\u4fe1\u7528\u5361\u5e02\u573a\u7684\u4e3b\u8981\u53c2\u4e0e\u8005<\/h2>\n<div class=\"img-container\">\n    <img decoding=\"async\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Headquarters-buildings-of-major-Chinese-banks-that-issue-credit-cards-including-ICBC-and-China--1024x585.jpeg\" alt=\"\u5305\u62ec\u5de5\u5546\u94f6\u884c\u548c\u62db\u5546\u94f6\u884c\u5728\u5185\u7684\u4e2d\u56fd\u4e3b\u8981\u4fe1\u7528\u5361\u53d1\u884c\u94f6\u884c\u7684\u603b\u90e8\u5927\u697c\" title=\"\u5305\u62ec\u5de5\u5546\u94f6\u884c\u548c\u62db\u5546\u94f6\u884c\u5728\u5185\u7684\u4e2d\u56fd\u4e3b\u8981\u4fe1\u7528\u5361\u53d1\u884c\u94f6\u884c\u7684\u603b\u90e8\u5927\u697c\" width=\"1024\" height=\"585\" class=\"aligncenter size-large wp-image-5261\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Headquarters-buildings-of-major-Chinese-banks-that-issue-credit-cards-including-ICBC-and-China--1024x585.jpeg 1024w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Headquarters-buildings-of-major-Chinese-banks-that-issue-credit-cards-including-ICBC-and-China--300x171.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Headquarters-buildings-of-major-Chinese-banks-that-issue-credit-cards-including-ICBC-and-China--768x439.jpeg 768w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Headquarters-buildings-of-major-Chinese-banks-that-issue-credit-cards-including-ICBC-and-China-.jpeg 1344w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p class=\"img-caption\">\u4e2d\u56fd\u4e3b\u8981\u4fe1\u7528\u5361\u53d1\u884c\u673a\u6784\u7684\u603b\u90e8\u5360\u636e\u4e86\u5404\u5927\u57ce\u5e02\u91d1\u878d\u533a\u7684\u5927\u90e8\u5206\u533a\u57df\u3002<\/p>\n<\/p><\/div>\n<p>\u4e2d\u56fd\u7684\u4fe1\u7528\u5361\u5e02\u573a\u7531\u56fd\u6709\u94f6\u884c\u548c\u5c11\u6570\u51e0\u5bb6\u6c11\u8425\u91d1\u878d\u673a\u6784\u4e3b\u5bfc\u3002\u4ee5\u4e0b\u5206\u6790\u5c06\u8003\u5bdf\u4e3b\u8981\u53d1\u5361\u673a\u6784\u7684\u5e02\u573a\u5730\u4f4d\u3001\u6218\u7565\u548c\u4e1a\u7ee9\uff1a<\/p>\n<h3>\u56fd\u6709\u94f6\u884c\u5de8\u5934<\/h3>\n<div class=\"three-columns\">\n<div class=\"column-card\">\n<h4>\u4e2d\u56fd\u5de5\u5546\u94f6\u884c<\/h4>\n<p>\u4f5c\u4e3a\u4e2d\u56fd\u8d44\u4ea7\u89c4\u6a21\u6700\u5927\u7684\u94f6\u884c\uff0c\u5de5\u5546\u94f6\u884c\u5728\u4fe1\u7528\u5361\u5e02\u573a\u5360\u636e\u9886\u5148\u5730\u4f4d\uff0c\u6d41\u901a\u5361\u8d85\u8fc71.6\u4ebf\u5f20\u3002\u5176\u5e9e\u5927\u7684\u5206\u652f\u673a\u6784\u7f51\u7edc\u548c\u653f\u5e9c\u652f\u6301\u4e3a\u5176\u5e26\u6765\u4e86\u663e\u8457\u4f18\u52bf\u3002\u5de5\u5546\u94f6\u884c\u4e00\u76f4\u4e13\u6ce8\u4e8e\u9ad8\u7aef\u4fe1\u7528\u5361\u4ea7\u54c1\u548c\u6570\u5b57\u5316\u878d\u5408\uff0c\u5e76\u51ed\u501f\u5176\u2026\u2026 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e6%af%94%e5%88%a9%e6%97%b6%e4%bf%a1%e7%94%a8%e5%8d%a1%e9%80%89%e6%8b%a9%e5%ae%8c%e6%95%b4%e6%8c%87%e5%8d%97%ef%bc%8c%e6%89%be%e5%88%b0%e6%9c%80%e9%80%82%e5%90%88%e6%82%a8%e7%9a%84%e4%bf%a1%e7%94%a8\/\" title=\"\u6bd4\u5229\u65f6\u4fe1\u7528\u5361\u9009\u62e9\u5b8c\u5168\u6307\u5357\uff1a\u627e\u5230\u6700\u9002\u5408\u60a8\u7684\u4fe1\u7528\u5361\"  data-wpil-monitor-id=\"357\">\u79fb\u52a8\u5e94\u7528\u7a0b\u5e8f\u4f5c\u4e3a\u4e2d\u5fc3\u67a2\u7ebd<\/a> \u7528\u4e8e\u5361\u7247\u7ba1\u7406\u548c\u652f\u4ed8\u3002.<\/p>\n<\/p><\/div>\n<div class=\"column-card\">\n<h4>\u4e2d\u56fd\u94f6\u884c\uff08BOC\uff09<\/h4>\n<p>\u51ed\u501f\u5f3a\u5927\u7684\u56fd\u9645\u8054\u7cfb\uff0c\u4e2d\u56fd\u94f6\u884c\u5df2\u5c06\u5176\u4fe1\u7528\u5361\u5b9a\u4f4d\u4e3a\u8de8\u5883\u4f7f\u7528\u4fe1\u7528\u5361\u3002 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e4%ba%86%e8%a7%a3%e8%8f%b2%e5%be%8b%e5%ae%be%e6%af%94%e7%b4%a2-php-%e5%8f%8a%e5%85%b6%e6%b1%87%e7%8e%87\/\" title=\"\u4e86\u89e3\u83f2\u5f8b\u5bbe\u6bd4\u7d22\uff08PHP\uff09\u53ca\u5176\u6c47\u7387\"  data-wpil-monitor-id=\"386\">\u94f6\u884c\u5df2\u4e0e\u56fd\u9645\u5546\u6237\u5efa\u7acb\u5408\u4f5c\u5173\u7cfb\u3002<\/a> \u5e76\u63d0\u4f9b\u5177\u6709\u7ade\u4e89\u529b\u7684\u5916\u5e01\u5151\u6362\u670d\u52a1\u3002\u4e2d\u56fd\u94f6\u884c2023\u5e74\u65b0\u53d1\u4fe1\u7528\u5361\u7ea61200\u4e07\u5f20\uff0c\u540c\u6bd4\u589e\u957f813\u4e07\u4ebf\u7f8e\u5143\u3002.<\/p>\n<\/p><\/div>\n<div class=\"column-card\">\n<h4>\u4e2d\u56fd\u5efa\u8bbe\u94f6\u884c\uff08CCB\uff09<\/h4>\n<p>\u5efa\u884c\u4e00\u76f4\u91cd\u89c6\u6280\u672f\u521b\u65b0\uff0c\u63a8\u51fa\u4e86\u4eba\u5de5\u667a\u80fd\u4fe1\u8d37\u5ba1\u6279\u7cfb\u7edf\u548c\u57fa\u4e8e\u533a\u5757\u94fe\u7684\u5b89\u5168\u529f\u80fd\u3002\u8be5\u884c\u7684\u201c\u9f99\u201d\u7cfb\u5217\u4fe1\u7528\u5361\u9488\u5bf9\u4e0d\u540c\u6d88\u8d39\u7fa4\u4f53\uff0c\u63d0\u4f9b\u91cf\u8eab\u5b9a\u5236\u7684\u5956\u52b1\u8ba1\u5212\uff0c\u5c24\u5176\u53d7\u5230\u90fd\u5e02\u767d\u9886\u7684\u9752\u7750\u3002.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<h3>\u79c1\u8425\u94f6\u884c\u548c\u80a1\u4efd\u5236\u94f6\u884c<\/h3>\n<div class=\"two-columns\">\n<div>\n<h4>\u62db\u5546\u94f6\u884c\uff08CMB\uff09<\/h4>\n<p>\u88ab\u5e7f\u6cdb\u8ba4\u4e3a\u662f\u6700\u5177\u521b\u65b0\u529b\u7684 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e6%b3%a2%e5%85%b0%e5%b9%bf%e6%b3%9b%e6%8e%a5%e5%8f%97%e5%93%aa%e4%ba%9b%e4%bf%a1%e7%94%a8%e5%8d%a1%e7%bd%91%e7%bb%9c%ef%bc%9f\/\" title=\"\u6ce2\u5170\u5e7f\u6cdb\u63a5\u53d7\u54ea\u4e9b\u4fe1\u7528\u5361\u7f51\u7edc\uff1f.\"  data-wpil-monitor-id=\"1943\">\u4fe1\u7528<\/a> \u4e2d\u56fd\u53d1\u5361\u673a\u6784\u62db\u5546\u94f6\u884c\u51ed\u501f\u5353\u8d8a\u7684\u5ba2\u6237\u670d\u52a1\u548c\u6570\u5b57\u5316\u80fd\u529b\u8d62\u5f97\u4e86\u826f\u597d\u7684\u58f0\u8a89\u3002\u5176\u201c\u4e00\u7ad9\u5f0f\u201d\u4fe1\u7528\u5361\u5e73\u53f0\u4e0e\u79fb\u52a8\u652f\u4ed8\u65e0\u7f1d\u5bf9\u63a5\uff0c\u5e76\u63d0\u4f9b\u7075\u6d3b\u7684\u5956\u52b1\u673a\u5236\u3002\u5c3d\u7ba1\u9762\u4e34\u5e02\u573a\u4e0d\u5229\u56e0\u7d20\uff0c\u62db\u5546\u94f6\u884c\u4fe1\u7528\u5361\u4e1a\u52a1\u9884\u8ba12023\u5e74\u4ea4\u6613\u91cf\u5c06\u589e\u957f1510\u4e07\u4ebf\u5362\u6bd4\u3002.<\/p>\n<\/p><\/div>\n<div>\n<h4>\u5e73\u5b89\u94f6\u884c<\/h4>\n<p>\u51ed\u501f\u5176\u4fdd\u9669\u548c\u91d1\u878d\u79d1\u6280\u751f\u6001\u7cfb\u7edf\uff0c\u5e73\u5b89\u94f6\u884c\u4e3a\u5176\u4fe1\u7528\u5361\u6253\u9020\u4e86\u72ec\u7279\u7684\u4ef7\u503c\u4e3b\u5f20\u3002\u8be5\u884c\u57fa\u4e8e\u98ce\u9669\u7684\u5b9a\u4ef7\u6a21\u5f0f\u548c\u5148\u8fdb\u7684\u4fe1\u7528\u8bc4\u5206\u7b97\u6cd5\u4f7f\u5176\u80fd\u591f\u5728\u4fdd\u6301\u76c8\u5229\u80fd\u529b\u7684\u540c\u65f6\uff0c\u62d3\u5c55\u5230\u670d\u52a1\u4e0d\u8db3\u7684\u5e02\u573a\u9886\u57df\u3002.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<h3>\u56fd\u9645\u7f51\u7edc\u4e0e\u4f19\u4f34\u5173\u7cfb<\/h3>\n<p>\u867d\u7136\u94f6\u8054\u5728\u56fd\u5185\u4ea4\u6613\u9886\u57df\u5360\u636e\u4e3b\u5bfc\u5730\u4f4d\uff0c\u4f46\u56fd\u9645\u652f\u4ed8\u7f51\u7edc\u5df2\u91c7\u53d6\u6218\u7565\u4e3e\u63aa\u6765\u6269\u5927\u5176\u5e02\u573a\u4efd\u989d\uff1a<\/p>\n<div class=\"table-container\">\n<table class=\"responsive-table responsive-table-bordered\">\n<thead>\n<tr>\n<td data-row=\"head\">\u7f51\u7edc<\/td>\n<td data-row=\"head\">\u5e02\u573a\u5730\u4f4d<\/td>\n<td data-row=\"head\">\u91cd\u8981\u5408\u4f5c\u4f19\u4f34\u5173\u7cfb<\/td>\n<td data-row=\"head\">\u6311\u6218<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Network\">\u94f6\u8054<\/td>\n<td data-label=\"Market Position\">\u56fd\u5185\u4e3b\u5bfc\u7f51\u7edc\uff0890% \u5e02\u573a\u4efd\u989d\uff09<\/td>\n<td data-label=\"Key Partnerships\">\u6240\u6709\u4e3b\u8981\u4e2d\u56fd\u94f6\u884c<\/td>\n<td data-label=\"Challenges\">\u56fd\u9645\u6269\u5f20\u3001\u6570\u5b57\u5316\u8f6c\u578b<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Network\">\u7b7e\u8bc1<\/td>\n<td data-label=\"Market Position\">\u89c4\u6a21\u6709\u9650\u4f46\u6b63\u5728\u589e\u957f<\/td>\n<td data-label=\"Key Partnerships\">\u62db\u5546\u94f6\u884c\uff0c\u5de5\u5546\u94f6\u884c<\/td>\n<td data-label=\"Challenges\">\u76d1\u7ba1\u969c\u788d\u3001\u6570\u636e\u672c\u5730\u5316\u8981\u6c42<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Network\">\u4e07\u4e8b\u8fbe<\/td>\n<td data-label=\"Market Position\">\u8fd1\u671f\u5df2\u83b7\u51c6\u8fdb\u884c\u56fd\u5185\u6e05\u7b97<\/td>\n<td data-label=\"Key Partnerships\">\u4e2d\u56fd\u94f6\u884c\u3001\u7f51\u8054\u94f6\u884c<\/td>\n<td data-label=\"Challenges\">\u62d3\u5c55\u5546\u6237\u53d7\u7406\u8303\u56f4\uff0c\u5e94\u5bf9\u6765\u81ea\u94f6\u8054\u7684\u7ade\u4e89<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Network\">\u7f8e\u56fd\u8fd0\u901a\u5361<\/td>\n<td data-label=\"Market Position\">\u4e0e LianLian DigiTech \u6210\u7acb\u5408\u8d44\u4f01\u4e1a<\/td>\n<td data-label=\"Key Partnerships\">\u9762\u5411\u5bcc\u88d5\u4eba\u7fa4\u7684\u9ad8\u7aef\u94f6\u884c<\/td>\n<td data-label=\"Challenges\">\u5546\u6237\u63a5\u53d7\u5ea6\u6709\u9650\uff0c\u4ec5\u9650\u9ad8\u7ea7\u5546\u6237\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/section>\n<section id=\"consumer-behavior\">\n<h2>\u6d88\u8d39\u8005\u884c\u4e3a\uff1a\u533a\u57df\u91c7\u7eb3\u6a21\u5f0f\u548c\u6d88\u8d39\u4e60\u60ef<\/h2>\n<div class=\"img-container\">\n    <img decoding=\"async\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Map-of-China-showing-credit-card-adoption-rates-across-different-regions-with-highest.jpeg\" alt=\"\u4e2d\u56fd\u5730\u56fe\u663e\u793a\u4e86\u4e0d\u540c\u5730\u533a\u7684\u4fe1\u7528\u5361\u666e\u53ca\u7387\uff0c\u4e1c\u90e8\u6cbf\u6d77\u57ce\u5e02\u7684\u666e\u53ca\u7387\u6700\u9ad8\u3002\" title=\"\u4e2d\u56fd\u5730\u56fe\u663e\u793a\u4e86\u4e0d\u540c\u5730\u533a\u7684\u4fe1\u7528\u5361\u666e\u53ca\u7387\uff0c\u4e1c\u90e8\u6cbf\u6d77\u57ce\u5e02\u7684\u666e\u53ca\u7387\u6700\u9ad8\u3002\" width=\"1024\" height=\"768\" class=\"aligncenter size-large wp-image-5262\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Map-of-China-showing-credit-card-adoption-rates-across-different-regions-with-highest.jpeg 1024w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Map-of-China-showing-credit-card-adoption-rates-across-different-regions-with-highest-300x225.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Map-of-China-showing-credit-card-adoption-rates-across-different-regions-with-highest-768x576.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p class=\"img-caption\">\u4e2d\u56fd\u5404\u5730\u533a\u4fe1\u7528\u5361\u666e\u53ca\u7387\u5dee\u5f02\u663e\u8457\uff0c\u4e1c\u90e8\u6cbf\u6d77\u57ce\u5e02\u7684\u666e\u53ca\u7387\u6700\u9ad8\u3002<\/p>\n<\/p><\/div>\n<h3>\u4fe1\u7528\u5361\u666e\u53ca\u7a0b\u5ea6\u7684\u533a\u57df\u5dee\u5f02<\/h3>\n<p>\u4e2d\u56fd\u7684\u4fe1\u7528\u5361\u4f7f\u7528\u60c5\u51b5\u5b58\u5728\u663e\u8457\u7684\u5730\u57df\u5dee\u5f02\u3002\u5317\u4eac\u3001\u4e0a\u6d77\u3001\u5e7f\u5dde\u7b49\u4e00\u7ebf\u57ce\u5e02\u7684\u4fe1\u7528\u5361\u666e\u53ca\u7387\u8d85\u8fc760%\uff0c\u800c\u519c\u6751\u5730\u533a\u7684\u666e\u53ca\u7387\u901a\u5e38\u4f4e\u4e8e15%\u3002\u8fd9\u79cd\u5dee\u5f02\u53cd\u6620\u4e86\u6536\u5165\u6c34\u5e73\u3001\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u548c\u6d88\u8d39\u8005\u610f\u8bc6\u7684\u4e0d\u540c\u3002\u8fd1\u5e74\u6765\uff0c\u653f\u5e9c\u7684\u4e3e\u63aa\u91cd\u70b9\u5728\u4e8e\u6269\u5927\u4f4e\u7ebf\u57ce\u5e02\u548c\u519c\u6751\u5730\u533a\u7684\u4fe1\u8d37\u8986\u76d6\u9762\u3002.<\/p>\n<h3>\u4eba\u53e3\u8d8b\u52bf<\/h3>\n<p>\u5728\u4e2d\u56fd\uff0c\u5e74\u9f84\u548c\u6536\u5165\u5bf9\u4fe1\u7528\u5361\u7684\u666e\u53ca\u548c\u4f7f\u7528\u6a21\u5f0f\u6709\u663e\u8457\u5f71\u54cd\uff1a<\/p>\n<div class=\"img-container\">\n    <img decoding=\"async\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chart-showing-credit-card-adoption-rates-by-age-group-and-income-level-in-China.jpeg\" alt=\"\u56fe\u8868\u663e\u793a\u4e2d\u56fd\u4e0d\u540c\u5e74\u9f84\u6bb5\u548c\u6536\u5165\u6c34\u5e73\u7684\u4fe1\u7528\u5361\u666e\u53ca\u7387\" title=\"\u56fe\u8868\u663e\u793a\u4e2d\u56fd\u4e0d\u540c\u5e74\u9f84\u6bb5\u548c\u6536\u5165\u6c34\u5e73\u7684\u4fe1\u7528\u5361\u666e\u53ca\u7387\" width=\"1024\" height=\"640\" class=\"aligncenter size-large wp-image-5263\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chart-showing-credit-card-adoption-rates-by-age-group-and-income-level-in-China.jpeg 1024w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chart-showing-credit-card-adoption-rates-by-age-group-and-income-level-in-China-300x188.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chart-showing-credit-card-adoption-rates-by-age-group-and-income-level-in-China-768x480.jpeg 768w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p class=\"img-caption\">\u5728\u4e2d\u56fd\uff0c\u4fe1\u7528\u5361\u666e\u53ca\u7387\u4e0e\u5e74\u9f84\u548c\u6536\u5165\u56e0\u7d20\u5747\u5448\u663e\u8457\u6b63\u76f8\u5173\u3002<\/p>\n<\/p><\/div>\n<ul class=\"custom-list\">\n<li>\u5e74\u8f7b\u7684\u57ce\u5e02\u4e13\u4e1a\u4eba\u58eb\uff0825-35\u5c81\uff09\u662f\u4fe1\u7528\u5361\u6700\u6d3b\u8dc3\u7684\u7528\u6237\u7fa4\u4f53\uff0c\u4ea4\u6613\u989d\u7ea6\u5360\u603b\u4ea4\u6613\u989d\u768442%\u3002<\/li>\n<li>\u4e2d\u5e74\u6d88\u8d39\u8005\uff0835-50\u5c81\uff09\u5f80\u5f80\u62e5\u6709\u591a\u5f20\u4fe1\u7528\u5361\uff0c\u4f46\u4f1a\u66f4\u6709\u9009\u62e9\u6027\u5730\u5c06\u5b83\u4eec\u7528\u4e8e\u7279\u5b9a\u7c7b\u522b\u3002<\/li>\n<li>\u5e74\u9f84\u8f83\u5927\u7684\u6d88\u8d39\u8005\uff0850\u5c81\u4ee5\u4e0a\uff09\u7684\u91c7\u7eb3\u7387\u8f83\u4f4e\u3002 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e5%b0%bc%e6%97%a5%e5%88%a9%e4%ba%9a%e8%b4%a7%e5%b8%81%e5%a5%88%e6%8b%89%e7%9a%84%e4%bb%b7%e5%80%bc%e9%9d%a2%e9%a2%9d%e5%92%8c%e6%b1%87%e7%8e%87\/\" title=\"\u5c3c\u65e5\u5229\u4e9a\u8d27\u5e01\uff08\u5948\u62c9\uff09\uff1a\u4ef7\u503c\u3001\u9762\u989d\u548c\u6c47\u7387\"  data-wpil-monitor-id=\"1069\">\u5229\u7387\u8f83\u9ad8\uff0c\u4f46\u5e73\u5747\u4ea4\u6613\u989d\u8f83\u9ad8<\/a><\/li>\n<li>\u5927\u5b66\u751f\u7fa4\u4f53\u65e5\u76ca\u58ee\u5927\uff0c\u4e13\u95e8\u9488\u5bf9\u5b66\u751f\u7684\u4fe1\u7528\u5361\u4e5f\u8d8a\u6765\u8d8a\u53d7\u6b22\u8fce\u3002<\/li>\n<\/ul>\n<h3>\u6d88\u8d39\u6a21\u5f0f\u548c\u54c1\u7c7b\u504f\u597d<\/h3>\n<p>\u8fd1\u5e74\u6765\uff0c\u4e2d\u56fd\u4fe1\u7528\u5361\u6d88\u8d39\u6a21\u5f0f\u53d1\u751f\u4e86\u663e\u8457\u53d8\u5316\uff0c\u5c24\u5176\u662f\u5728\u65b0\u51a0\u80ba\u708e\u75ab\u60c5\u4e4b\u540e\uff0c\u8fd9\u79cd\u53d8\u5316\u66f4\u4e3a\u660e\u663e\uff1a<\/p>\n<div class=\"table-container\">\n<table class=\"responsive-table responsive-table-striped\">\n<thead>\n<tr>\n<td data-row=\"head\">\u652f\u51fa\u7c7b\u522b<\/td>\n<td data-row=\"head\">\u5360\u603b\u9500\u91cf\u7684\u767e\u5206\u6bd4\uff082023 \u5e74\uff09<\/td>\n<td data-row=\"head\">\u540c\u6bd4\u53d8\u5316<\/td>\n<td data-row=\"head\">\u533a\u57df\u5dee\u5f02<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td data-label=\"Spending Category\">\u7f51\u4e0a\u8d2d\u7269<\/td>\n<td data-label=\"Percentage of Total Volume (2023)\">32%<\/td>\n<td data-label=\"Year-over-Year Change\">+8%<\/td>\n<td data-label=\"Regional Variation\">\u5404\u533a\u57df\u5747\u4e00\u81f4<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Spending Category\">\u7528\u9910<\/td>\n<td data-label=\"Percentage of Total Volume (2023)\">18%<\/td>\n<td data-label=\"Year-over-Year Change\">+15%<\/td>\n<td data-label=\"Regional Variation\">\u4e00\u7ebf\u57ce\u5e02\u8f83\u9ad8<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Spending Category\">\u65c5\u6e38\u4e0e\u5a31\u4e50<\/td>\n<td data-label=\"Percentage of Total Volume (2023)\">15%<\/td>\n<td data-label=\"Year-over-Year Change\">+22%<\/td>\n<td data-label=\"Regional Variation\">\u4e1c\u90e8\u5730\u533a\u8f83\u9ad8<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Spending Category\">\u5962\u4f88\u54c1<\/td>\n<td data-label=\"Percentage of Total Volume (2023)\">12%<\/td>\n<td data-label=\"Year-over-Year Change\">+7%<\/td>\n<td data-label=\"Regional Variation\">\u96c6\u4e2d\u5728\u4e3b\u8981\u57ce\u5e02<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Spending Category\">\u516c\u7528\u4e8b\u4e1a\u548c\u670d\u52a1<\/td>\n<td data-label=\"Percentage of Total Volume (2023)\">10%<\/td>\n<td data-label=\"Year-over-Year Change\">+3%<\/td>\n<td data-label=\"Regional Variation\">\u5404\u533a\u57df\u5747\u4e00\u81f4<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Spending Category\">\u536b\u751f\u4fdd\u5065<\/td>\n<td data-label=\"Percentage of Total Volume (2023)\">8%<\/td>\n<td data-label=\"Year-over-Year Change\">+12%<\/td>\n<td data-label=\"Regional Variation\">\u8001\u9f84\u5316\u4eba\u53e3\u5730\u533a\u6bd4\u4f8b\u8f83\u9ad8<\/td>\n<\/tr>\n<tr>\n<td data-label=\"Spending Category\">\u6559\u80b2<\/td>\n<td data-label=\"Percentage of Total Volume (2023)\">5%<\/td>\n<td data-label=\"Year-over-Year Change\">+9%<\/td>\n<td data-label=\"Regional Variation\">\u4e00\u7ebf\u548c\u4e8c\u7ebf\u57ce\u5e02\u8f83\u9ad8<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<form action=\"\">\n<div class=\"form-container\">\n<h3>\u968f\u65f6\u4e86\u89e3\u4e2d\u56fd\u4fe1\u7528\u5361\u5e02\u573a\u7684\u6700\u65b0\u52a8\u6001<\/h3>\n<p>\u8ba2\u9605\u6211\u4eec\u7684\u65b0\u95fb\u7b80\u62a5\uff0c\u5373\u53ef\u83b7\u53d6\u5b63\u5ea6\u6d1e\u5bdf\u3001\u76d1\u7ba1\u52a8\u6001\u548c\u5e02\u573a\u8d8b\u52bf\u3002.<\/p>\n<div class=\"form-group\">\n      <label class=\"form-label\" for=\"email\">\u7535\u5b50\u90ae\u4ef6<\/label><br \/>\n      <input type=\"email\" class=\"form-input\" placeholder=\"\u60a8\u7684\u7535\u5b50\u90ae\u4ef6\u5730\u5740\">\n    <\/div>\n<div class=\"form-group\">\n      <label class=\"form-label\" for=\"interest\">\u4e3b\u8981\u5174\u8da3<\/label><br \/>\n      <select class=\"form-input\"><option>\u9009\u62e9\u60a8\u7684\u4e3b\u8981\u5174\u8da3<\/option><option>\u5e02\u573a\u8d8b\u52bf<\/option><option>\u6d88\u8d39\u8005\u884c\u4e3a<\/option><option>\u76d1\u7ba1\u52a8\u6001<\/option><option>\u6295\u8d44\u673a\u4f1a<\/option><\/select>\n    <\/div>\n<p>    <button class=\"form-btn\">\u7acb\u5373\u8ba2\u9605<\/button>\n  <\/div>\n<input type=\"hidden\" name=\"trp-form-language\" value=\"zh\"\/><\/form>\n<\/section>\n<section id=\"challenges\">\n<h2>\u6311\u6218\uff1a\u76d1\u7ba1\u969c\u788d\u548c\u6765\u81ea\u79fb\u52a8\u652f\u4ed8\u7684\u7ade\u4e89<\/h2>\n<div class=\"img-container\">\n    <img decoding=\"async\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumers-using-mobile-payment-apps-instead-of-credit-cards-at-a-busy-shopping-mall-in--1024x585.jpeg\" alt=\"\u5728\u6df1\u5733\u4e00\u5bb6\u7e41\u5fd9\u7684\u8d2d\u7269\u4e2d\u5fc3\uff0c\u4e2d\u56fd\u6d88\u8d39\u8005\u4f7f\u7528\u624b\u673a\u652f\u4ed8\u5e94\u7528\u800c\u975e\u4fe1\u7528\u5361\u8fdb\u884c\u652f\u4ed8\u3002\" title=\"\u5728\u6df1\u5733\u4e00\u5bb6\u7e41\u5fd9\u7684\u8d2d\u7269\u4e2d\u5fc3\uff0c\u4e2d\u56fd\u6d88\u8d39\u8005\u4f7f\u7528\u624b\u673a\u652f\u4ed8\u5e94\u7528\u800c\u975e\u4fe1\u7528\u5361\u8fdb\u884c\u652f\u4ed8\u3002\" width=\"1024\" height=\"585\" class=\"aligncenter size-large wp-image-5264\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumers-using-mobile-payment-apps-instead-of-credit-cards-at-a-busy-shopping-mall-in--1024x585.jpeg 1024w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumers-using-mobile-payment-apps-instead-of-credit-cards-at-a-busy-shopping-mall-in--300x171.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumers-using-mobile-payment-apps-instead-of-credit-cards-at-a-busy-shopping-mall-in--768x439.jpeg 768w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Chinese-consumers-using-mobile-payment-apps-instead-of-credit-cards-at-a-busy-shopping-mall-in-.jpeg 1344w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p class=\"img-caption\">\u79fb\u52a8\u652f\u4ed8\u5e73\u53f0\u7ee7\u7eed\u4e3b\u5bfc\u7740\u4e2d\u56fd\u96f6\u552e\u4e1a\u7684\u65e5\u5e38\u4ea4\u6613\u3002<\/p>\n<\/p><\/div>\n<h3>\u76d1\u7ba1\u73af\u5883<\/h3>\n<p>\u4e2d\u56fd\u7684\u4fe1\u7528\u5361\u884c\u4e1a\u5728\u590d\u6742\u7684\u76d1\u7ba1\u6846\u67b6\u4e0b\u8fd0\u4f5c\uff0c\u9762\u4e34\u8bf8\u591a\u6311\u6218\uff1a<\/p>\n<div class=\"pros-cons\">\n<ul class=\"pros\">\n<h4 class=\"pros-title\">\u8fd1\u671f\u76d1\u7ba1\u65b9\u9762\u7684\u6539\u8fdb<\/h4>\n<li>\u9010\u6b65\u5411\u5916\u56fd\u5361\u7f51\u7edc\u5f00\u653e\u5e02\u573a<\/li>\n<li>\u4fe1\u7528\u62a5\u544a\u7cfb\u7edf\u7684\u6807\u51c6\u5316<\/li>\n<li>\u52a0\u5f3a\u6d88\u8d39\u8005\u4fdd\u62a4\u63aa\u65bd<\/li>\n<li>\u7b80\u5316\u7b26\u5408\u6761\u4ef6\u7684\u7533\u8bf7\u4eba\u7684\u7533\u8bf7\u6d41\u7a0b<\/li>\n<\/ul>\n<ul class=\"cons\">\n<h4 class=\"cons-title\">\u6301\u7eed\u5b58\u5728\u7684\u76d1\u7ba1\u6311\u6218<\/h4>\n<li>\u4e25\u683c\u7684\u6570\u636e\u672c\u5730\u5316\u8981\u6c42<\/li>\n<li>\u5229\u7387\u548c\u8d39\u7528\u4e0a\u9650<\/li>\n<li>\u65b0\u4ea7\u54c1\u5ba1\u6279\u6d41\u7a0b\u6f2b\u957f<\/li>\n<li>\u4e0d\u65ad\u53d8\u5316\u7684\u5408\u89c4\u8981\u6c42<\/li>\n<\/ul><\/div>\n<h3>\u6765\u81ea\u79fb\u52a8\u652f\u4ed8\u5e73\u53f0\u7684\u7ade\u4e89<\/h3>\n<p>\u79fb\u52a8\u652f\u4ed8\u5e73\u53f0\u7684\u4e3b\u5bfc\u5730\u4f4d\u5bf9\u4e2d\u56fd\u4fe1\u7528\u5361\u7684\u53d1\u5c55\u6784\u6210\u4e86\u6700\u4e25\u5cfb\u7684\u6311\u6218\uff1a<\/p>\n<div class=\"img-container\">\n    <img decoding=\"async\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Comparison-of-payment-methods-showing-mobile-payments-dominating-over-credit-cards-in-China.jpeg\" alt=\"\u652f\u4ed8\u65b9\u5f0f\u5bf9\u6bd4\u663e\u793a\uff0c\u5728\u4e2d\u56fd\uff0c\u79fb\u52a8\u652f\u4ed8\u6bd4\u4fe1\u7528\u5361\u652f\u4ed8\u5360\u636e\u4e3b\u5bfc\u5730\u4f4d\u3002\" title=\"\u652f\u4ed8\u65b9\u5f0f\u5bf9\u6bd4\u663e\u793a\uff0c\u5728\u4e2d\u56fd\uff0c\u79fb\u52a8\u652f\u4ed8\u6bd4\u4fe1\u7528\u5361\u652f\u4ed8\u5360\u636e\u4e3b\u5bfc\u5730\u4f4d\u3002\" width=\"960\" height=\"768\" class=\"aligncenter size-large wp-image-5265\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Comparison-of-payment-methods-showing-mobile-payments-dominating-over-credit-cards-in-China.jpeg 960w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Comparison-of-payment-methods-showing-mobile-payments-dominating-over-credit-cards-in-China-300x240.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Comparison-of-payment-methods-showing-mobile-payments-dominating-over-credit-cards-in-China-768x614.jpeg 768w\" sizes=\"(max-width: 960px) 100vw, 960px\" \/><\/p>\n<p class=\"img-caption\">\u79fb\u52a8\u652f\u4ed8\u5e73\u53f0\u7ee7\u7eed\u4e3b\u5bfc\u4e2d\u56fd\u7684\u652f\u4ed8\u5e02\u573a\uff0c\u5176\u589e\u957f\u901f\u5ea6\u8d85\u8fc7\u4e86\u4fe1\u7528\u5361\u3002<\/p>\n<\/p><\/div>\n<ul class=\"custom-list\">\n<li>\u652f\u4ed8\u5b9d\u548c\u5fae\u4fe1\u652f\u4ed8\u63a7\u5236\u7740\u7ea690%\u7684\u79fb\u52a8\u652f\u4ed8\u5e02\u573a\uff0c\u6bcf\u5e74\u5904\u7406\u7684\u4ea4\u6613\u989d\u8d85\u8fc7790\u4e07\u4ebf\u5143\u4eba\u6c11\u5e01\u3002<\/li>\n<li>\u4e8c\u7ef4\u7801\u652f\u4ed8\u7684\u4fbf\u6377\u6027\u548c\u5e7f\u6cdb\u63a5\u53d7\u5ea6\u9650\u5236\u4e86\u5176\u53d1\u5c55\u3002 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e6%9c%80%e4%bd%b3%e5%9b%bd%e9%99%85%e4%bf%a1%e7%94%a8%e5%8d%a1%ef%bc%8c%e5%85%8d%e5%a2%83%e5%a4%96%e4%ba%a4%e6%98%93%e6%89%8b%e7%bb%ad%e8%b4%b9%ef%bc%8c%e6%97%85%e8%a1%8c%e6%9b%b4%e7%9c%81%e9%92%b1\/\" title=\"\u6700\u4f73\u514d\u5883\u5916\u4ea4\u6613\u624b\u7eed\u8d39\u56fd\u9645\u4fe1\u7528\u5361\uff1a\u65c5\u884c\u9014\u4e2d\u7701\u94b1\"  data-wpil-monitor-id=\"417\">\u4fe1\u7528\u5361\u7528\u4e8e\u65e5\u5e38\u4ea4\u6613<\/a><\/li>\n<li>\u79fb\u52a8\u5e73\u53f0\u63d0\u4f9b\u7684\u7efc\u5408\u91d1\u878d\u670d\u52a1\u4e0d\u4ec5\u9650\u4e8e\u652f\u4ed8\uff0c\u8fd8\u5305\u62ec\u8d22\u5bcc\u7ba1\u7406\u548c\u8d37\u6b3e\u3002<\/li>\n<li>\u4fe1\u7528\u5361\u53d1\u884c\u673a\u6784\u8d8a\u6765\u8d8a\u6ce8\u91cd\u4e0e\u8fd9\u4e9b\u5e73\u53f0\u7684\u6574\u5408\uff0c\u800c\u4e0d\u662f\u76f4\u63a5\u7ade\u4e89\u3002<\/li>\n<\/ul>\n<h3>\u5883\u5916\u4fe1\u7528\u5361\u4f7f\u7528\u6311\u6218<\/h3>\n<p>\u56fd\u9645\u6e38\u5ba2\u548c\u5916\u7c4d\u4eba\u58eb\u5728\u4f7f\u7528\u5916\u56fd\u8d27\u5e01\u65f6\u9762\u4e34\u7740\u7279\u6b8a\u7684\u6311\u6218\u3002 <a href=\"https:\/\/exchangerateweb.com\/zh\/2025-%e5%b9%b4%e5%9b%bd%e9%99%85%e6%97%85%e8%a1%8c%e8%80%85%e6%9c%80%e4%bd%b3%e9%80%89%e6%8b%a9%ef%bc%9a%e5%85%8d%e5%a2%83%e5%a4%96%e6%89%8b%e7%bb%ad%e8%b4%b9%e4%bf%a1%e7%94%a8%e5%8d%a1\/\" title=\"\u514d\u5883\u5916\u4ea4\u6613\u624b\u7eed\u8d39\u4fe1\u7528\u5361\uff1a2025\u5e74\u56fd\u9645\u65c5\u884c\u8005\u7684\u6700\u4f73\u9009\u62e9\"  data-wpil-monitor-id=\"531\">\u4fe1\u7528<\/a> \u4e2d\u56fd\u5361\u7247\uff1a<\/p>\n<div class=\"blockquote\">\n    \u201c\u867d\u7136\u5927\u578b\u9152\u5e97\u3001\u56fd\u9645\u96f6\u552e\u5546\u548c\u65c5\u6e38\u666f\u70b9\u901a\u5e38\u63a5\u53d7\u5916\u56fd\u4fe1\u7528\u5361\uff0c\u4f46\u65c5\u884c\u8005\u5e94\u8be5\u51c6\u5907\u597d\u5176\u4ed6\u652f\u4ed8\u65b9\u5f0f\uff0c\u4ee5\u4fbf\u5728\u5c0f\u578b\u5546\u6237\u548c\u65e5\u5e38\u4ea4\u6613\u4e2d\u4f7f\u7528\u3002\u201d<\/p>\n<div class=\"blockquote-author\">\u2014\u2014\u4e2d\u56fd\u94f6\u884c\u4e1a\u534f\u4f1a\uff0c\u300a2023\u5e74\u5883\u5916\u652f\u4ed8\u54a8\u8be2\u62a5\u544a\u300b<\/div>\n<\/p><\/div>\n<p>\u5916\u56fd\u94f6\u884c\u5361\u5728\u4e3b\u8981\u57ce\u5e02\u7684\u63a5\u53d7\u5ea6\u6709\u6240\u63d0\u9ad8\uff0c\u4f46\u6e38\u5ba2\u4ecd\u7136\u9762\u4e34\u4e00\u4e9b\u9650\u5236\u3002\u8bb8\u591a\u5c0f\u578b\u5546\u6237\u548c\u672c\u5730\u670d\u52a1\u673a\u6784\u53ea\u63a5\u53d7\u94f6\u8054\u3001\u652f\u4ed8\u5b9d\u6216\u5fae\u4fe1\u652f\u4ed8\u3002\u8fd1\u671f\u63a8\u51fa\u7684\u5141\u8bb8\u5916\u56fd\u6e38\u5ba2\u5c06\u56fd\u9645\u94f6\u884c\u5361\u7ed1\u5b9a\u5230\u4e2d\u56fd\u652f\u4ed8\u5e94\u7528\u7a0b\u5e8f\u7684\u4e3e\u63aa\u6539\u5584\u4e86\u8fd9\u79cd\u60c5\u51b5\uff0c\u4f46\u4e34\u65f6\u8d26\u6237\u901a\u5e38\u6709\u4ea4\u6613\u9650\u989d\u3002.<\/p>\n<\/section>\n<section id=\"future-outlook\">\n<h2>\u672a\u6765\u5c55\u671b\uff1a2025-2030 \u5e74\u9884\u6d4b<\/h2>\n<div class=\"img-container\">\n    <img decoding=\"async\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Futuristic-visualization-of-next-generation-credit-card-technology-in-China-featuring-biometric-1024x585.jpeg\" alt=\"Futuristic visualization of next-generation credit card technology in China featuring biometric authentication\" title=\"Futuristic visualization of next-generation credit card technology in China featuring biometric authentication\" width=\"1024\" height=\"585\" class=\"aligncenter size-large wp-image-5266\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Futuristic-visualization-of-next-generation-credit-card-technology-in-China-featuring-biometric-1024x585.jpeg 1024w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Futuristic-visualization-of-next-generation-credit-card-technology-in-China-featuring-biometric-300x171.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Futuristic-visualization-of-next-generation-credit-card-technology-in-China-featuring-biometric-768x439.jpeg 768w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Futuristic-visualization-of-next-generation-credit-card-technology-in-China-featuring-biometric.jpeg 1344w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p class=\"img-caption\">\u4e0b\u4e00\u4ee3\u4fe1\u7528\u5361\u5f88\u53ef\u80fd\u5177\u5907\u66f4\u5f3a\u5927\u7684\u751f\u7269\u8bc6\u522b\u5b89\u5168\u529f\u80fd\u548c\u66f4\u6df1\u5c42\u6b21\u7684\u6570\u5b57\u96c6\u6210\u3002<\/p>\n<\/p><\/div>\n<h3>\u5e02\u573a\u9884\u6d4b<\/h3>\n<p>\u884c\u4e1a\u5206\u6790\u5e08\u9884\u6d4b\uff0c\u672a\u6765\u4e94\u5e74\u4e2d\u56fd\u4fe1\u7528\u5361\u5e02\u573a\u5c06\u51fa\u73b0\u51e0\u9879\u5173\u952e\u53d1\u5c55\uff1a<\/p>\n<ul class=\"list-numbers\">\n<li>\u9884\u8ba1\u52302030\u5e74\uff0c\u4fe1\u7528\u5361\u53d1\u884c\u91cf\u5c06\u4ee54-6%\u7684\u590d\u5408\u5e74\u589e\u957f\u7387\u589e\u957f\uff0c\u6d41\u901a\u4e2d\u7684\u4fe1\u7528\u5361\u6570\u91cf\u5c06\u8fbe\u5230\u7ea611\u4ebf\u5f20\u3002<\/li>\n<li>\u9884\u8ba1\u4ea4\u6613\u91cf\u6bcf\u5e74\u5c06\u589e\u957f 8-101 \u4e07\u4ebf\u81f3 3 \u4e07\u4ebf\u7f8e\u5143\uff0c\u4e3b\u8981\u53d7\u9ad8\u7aef\u4fe1\u7528\u5361\u548c\u8de8\u5883\u6d88\u8d39\u7684\u63a8\u52a8\u3002<\/li>\n<li>\u52302030\u5e74\uff0c\u5916\u56fd\u5361\u7ec4\u7ec7\u53ef\u80fd\u5c06\u5176\u5e02\u573a\u4efd\u989d\u4ece\u76ee\u524d\u7684\u4e0d\u8db35100\u4e07\u4ebf\u5362\u6bd4\u589e\u81f31500\u4e07\u81f3201\u4e07\u4ebf\u5362\u6bd4\u3002<\/li>\n<li>\u52302027\u5e74\uff0c\u7eaf\u6570\u5b57\u4fe1\u8d37\u4ea7\u54c1\u5c06\u5360\u65b0\u589e\u8d26\u6237\u603b\u6570\u7684\u7ea630%%\u3002<\/li>\n<\/ul>\n<h3>\u6280\u672f\u6f14\u8fdb<\/h3>\n<p>\u82e5\u5e72\u6280\u672f\u8d8b\u52bf\u5c06\u5851\u9020\u4e2d\u56fd\u4fe1\u7528\u5361\u884c\u4e1a\u7684\u672a\u6765\uff1a<\/p>\n<div class=\"three-columns\">\n<div class=\"column-card\">\n<h4>\u751f\u7269\u7279\u5f81\u8ba4\u8bc1<\/h4>\n<p>\u6307\u7eb9\u8bc6\u522b\u548c\u9762\u90e8\u8bc6\u522b\u6280\u672f\u5c06\u6210\u4e3a\u6807\u51c6\u5b89\u5168\u529f\u80fd\uff0c\u4ece\u800c\u51cf\u5c11\u6b3a\u8bc8\u5e76\u63d0\u5347\u7528\u6237\u4f53\u9a8c\u3002\u591a\u5bb6\u5927\u578b\u94f6\u884c\u5df2\u7ecf\u5f00\u59cb\u8bd5\u7528\u65e0\u9700\u8f93\u5165\u5bc6\u7801\u5373\u53ef\u8fdb\u884c\u4ea4\u6613\u7684\u751f\u7269\u8bc6\u522b\u5361\u3002.<\/p>\n<\/p><\/div>\n<div class=\"column-card\">\n<h4>\u533a\u5757\u94fe\u96c6\u6210<\/h4>\n<p>\u5206\u5e03\u5f0f\u8d26\u672c\u6280\u672f\u5c06\u589e\u5f3a\u5b89\u5168\u6027\uff0c\u5e76\u5b9e\u73b0\u53ef\u7f16\u7a0b\u6d88\u8d39\u9650\u989d\u548c\u5b9e\u65f6\u5956\u52b1\u5151\u6362\u7b49\u65b0\u529f\u80fd\u3002\u6570\u5b57\u4eba\u6c11\u5e01\u8ba1\u5212\u4e5f\u53ef\u80fd\u901a\u8fc7\u6f5c\u5728\u7684\u6574\u5408\u5f71\u54cd\u4fe1\u7528\u5361\u7684\u53d1\u5c55\u3002.<\/p>\n<\/p><\/div>\n<div class=\"column-card\">\n<h4>\u4eba\u5de5\u667a\u80fd\u9a71\u52a8\u7684\u4e2a\u6027\u5316<\/h4>\n<p>\u5148\u8fdb\u7684\u5206\u6790\u6280\u672f\u5c06\u80fd\u591f\u6839\u636e\u4e2a\u4eba\u6d88\u8d39\u6a21\u5f0f\u548c\u98ce\u9669\u72b6\u51b5\uff0c\u63d0\u4f9b\u9ad8\u5ea6\u4e2a\u6027\u5316\u7684\u4f18\u60e0\u548c\u52a8\u6001\u4fe1\u7528\u989d\u5ea6\u3002\u8fd9\u5c06\u4f7f\u53d1\u5361\u673a\u6784\u80fd\u591f\u66f4\u597d\u5730\u4e0e\u79fb\u52a8\u652f\u4ed8\u5e73\u53f0\u7684\u4e2a\u6027\u5316\u529f\u80fd\u5c55\u5f00\u7ade\u4e89\u3002.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<h3>\u76d1\u7ba1\u5c55\u671b<\/h3>\n<p>\u76d1\u7ba1\u73af\u5883\u9884\u8ba1\u5c06\u6301\u7eed\u6f14\u53d8\uff0c\u5e76\u53ef\u80fd\u51fa\u73b0\u4ee5\u4e0b\u51e0\u4e2a\u65b9\u9762\uff1a<\/p>\n<div class=\"highlight-box\">\n<p>\u503c\u5f97\u5173\u6ce8\u7684\u5173\u952e\u76d1\u7ba1\u8d8b\u52bf\u5305\u62ec\u8fdb\u4e00\u6b65\u5f00\u653e\u56fd\u9645\u7f51\u7edc\u3001\u52a0\u5f3a\u6570\u636e\u4fdd\u62a4\u8981\u6c42\u4ee5\u53ca\u4e0e\u6570\u5b57\u4eba\u6c11\u5e01\u751f\u6001\u7cfb\u7edf\u7684\u6f5c\u5728\u878d\u5408\u3002\u53d1\u5361\u673a\u6784\u5e94\u505a\u597d\u51c6\u5907\uff0c\u5e94\u5bf9\u66f4\u52a0\u4e25\u683c\u7684\u5408\u89c4\u8981\u6c42\uff0c\u540c\u65f6\u4e5f\u8981\u6293\u4f4f\u83b7\u6279\u6e20\u9053\u4e2d\u7684\u521b\u65b0\u673a\u9047\u3002.<\/p>\n<\/p><\/div>\n<h3>\u4e0e\u66f4\u5e7f\u6cdb\u7684\u91d1\u878d\u751f\u6001\u7cfb\u7edf\u878d\u5408<\/h3>\n<p>\u4fe1\u7528\u5361\u5c06\u65e5\u76ca\u6210\u4e3a\u901a\u5f80\u7efc\u5408\u91d1\u878d\u670d\u52a1\u7684\u95e8\u6237\uff0c\u800c\u975e\u72ec\u7acb\u4ea7\u54c1\u3002\u968f\u7740\u94f6\u884c\u4e0e\u91d1\u878d\u79d1\u6280\u751f\u6001\u7cfb\u7edf\u5c55\u5f00\u7ade\u4e89\uff0c\u4e0e\u8d22\u5bcc\u7ba1\u7406\u3001\u4fdd\u9669\u548c\u6295\u8d44\u5e73\u53f0\u7684\u6574\u5408\u5c06\u6210\u4e3a\u6807\u914d\u529f\u80fd\u3002\u4f20\u7edf\u4fe1\u7528\u5361\u4e0e\u6570\u5b57\u91d1\u878d\u5e73\u53f0\u4e4b\u95f4\u7684\u754c\u9650\u5c06\u6301\u7eed\u6a21\u7cca\u3002.<\/p>\n<div class=\"img-container\">\n    <img decoding=\"async\" src=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Integrated-financial-ecosystem-showing-how-credit-cards-connect-with-other-financial-services-1024x683.jpeg\" alt=\"\u6574\u5408\u7684\u91d1\u878d\u751f\u6001\u7cfb\u7edf\u5c55\u793a\u4e86\u4fe1\u7528\u5361\u5728\u4e2d\u56fd\u5982\u4f55\u4e0e\u5176\u4ed6\u91d1\u878d\u670d\u52a1\u8fde\u63a5\u3002\" title=\"\u6574\u5408\u7684\u91d1\u878d\u751f\u6001\u7cfb\u7edf\u5c55\u793a\u4e86\u4fe1\u7528\u5361\u5728\u4e2d\u56fd\u5982\u4f55\u4e0e\u5176\u4ed6\u91d1\u878d\u670d\u52a1\u8fde\u63a5\u3002\" width=\"1024\" height=\"683\" class=\"aligncenter size-large wp-image-5267\" srcset=\"https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Integrated-financial-ecosystem-showing-how-credit-cards-connect-with-other-financial-services-1024x683.jpeg 1024w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Integrated-financial-ecosystem-showing-how-credit-cards-connect-with-other-financial-services-300x200.jpeg 300w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Integrated-financial-ecosystem-showing-how-credit-cards-connect-with-other-financial-services-768x512.jpeg 768w, https:\/\/exchangerateweb.com\/wp-content\/uploads\/2025\/09\/Integrated-financial-ecosystem-showing-how-credit-cards-connect-with-other-financial-services.jpeg 1152w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<p class=\"img-caption\">\u4e2d\u56fd\u4fe1\u7528\u5361\u7684\u672a\u6765\u5728\u4e8e\u4e0e\u5b8c\u5584\u7684\u91d1\u878d\u751f\u6001\u7cfb\u7edf\u8fdb\u884c\u66f4\u6df1\u5c42\u6b21\u7684\u878d\u5408\u3002<\/p>\n<\/p><\/div>\n<div class=\"cta-block\">\n<h3 class=\"cta-block-title\">\u63a2\u7d22\u4e2d\u56fd\u91d1\u878d\u9886\u57df\u7684\u6295\u8d44\u673a\u4f1a<\/h3>\n<p class=\"cta-block-text\">\u83b7\u53d6\u6211\u4eec\u5bf9\u4e2d\u56fd\u4e0d\u65ad\u53d1\u5c55\u7684\u4fe1\u7528\u5361\u548c\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u6295\u8d44\u524d\u666f\u7684\u5168\u9762\u5206\u6790\u3002.<\/p>\n<p>    <a href=\"#investment-guide\" class=\"cta-btn cta-btn-large cta-btn-accent\">\u4e0b\u8f7d\u6295\u8d44\u6307\u5357<\/a>\n  <\/div>\n<\/section>\n<section id=\"conclusion\">\n<h3>\u7ed3\u8bba\uff1a\u9a7e\u9a6d\u4e2d\u56fd\u4e0d\u65ad\u53d8\u5316\u7684\u4fe1\u7528\u5361\u683c\u5c40<\/h3>\n<p>\u4e2d\u56fd\u7684\u4fe1\u7528\u5361\u5e02\u573a\u63d0\u4f9b\u4e86\u4e00\u4e2a\u5f15\u4eba\u5165\u80dc\u7684\u6848\u4f8b\uff0c\u5c55\u73b0\u4e86\u4f20\u7edf\u91d1\u878d\u4ea7\u54c1\u5982\u4f55\u5728\u5feb\u901f\u6570\u5b57\u5316\u7684\u7ecf\u6d4e\u73af\u5883\u4e2d\u6f14\u53d8\u3002\u5c3d\u7ba1\u9762\u4e34\u6765\u81ea\u79fb\u52a8\u652f\u4ed8\u5e73\u53f0\u7684\u6fc0\u70c8\u7ade\u4e89\uff0c\u4fe1\u7528\u5361\u4ecd\u7136\u53d1\u6325\u7740\u91cd\u8981\u7684\u4f5c\u7528\u3002 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e4%bf%a1%e7%94%a8%e4%bf%a1%e4%bb%bb%e4%b8%8e%e6%95%b0%e6%8d%ae%ef%bc%9a%e4%b8%ad%e5%9b%bd%e7%a4%be%e4%bc%9a%e4%bf%a1%e7%94%a8%e4%bd%93%e7%b3%bb%e5%a6%82%e4%bd%95%e5%bd%b1%e5%93%8d%e6%b6%88%e8%b4%b9\/\" title=\"\u4fe1\u7528\u3001\u4fe1\u4efb\u4e0e\u6570\u636e\uff1a\u4e2d\u56fd\u7684\u793e\u4f1a\u4fe1\u7528\u4f53\u7cfb\u5982\u4f55\u5f71\u54cd\u6d88\u8d39\u91d1\u878d\"  data-wpil-monitor-id=\"868\">\u4e2d\u56fd\u7684<\/a> \u91d1\u878d\u751f\u6001\u7cfb\u7edf\uff0c\u5c24\u5176\u9002\u7528\u4e8e\u5efa\u7acb\u4fe1\u7528\u8bb0\u5f55\u3001\u4fc3\u8fdb\u5927\u989d\u6d88\u8d39\u548c\u5b9e\u73b0\u8de8\u5883\u4ea4\u6613\u3002.<\/p>\n<p>\u5bf9\u4e8e\u5916\u56fd\u6295\u8d44\u8005\u800c\u8a00\uff0c\u4e86\u89e3\u4e2d\u56fd\u4fe1\u7528\u5361\u5e02\u573a\u7684\u72ec\u7279\u7279\u5f81\u81f3\u5173\u91cd\u8981\u3002\u56fd\u6709\u94f6\u884c\u3001\u6c11\u8425\u673a\u6784\u3001\u76d1\u7ba1\u6846\u67b6\u548c\u6280\u672f\u521b\u65b0\u4e4b\u95f4\u7684\u76f8\u4e92\u4f5c\u7528\u65e2\u5e26\u6765\u4e86\u6311\u6218\uff0c\u4e5f\u5e26\u6765\u4e86\u673a\u9047\u3002\u80fd\u591f\u9a7e\u9a6d\u8fd9\u79cd\u590d\u6742\u5c40\u9762\u5e76\u9002\u5e94\u5f53\u5730\u6d88\u8d39\u8005\u504f\u597d\u7684\u6295\u8d44\u8005\uff0c\u5c06\u66f4\u6709\u53ef\u80fd\u53d6\u5f97\u6210\u529f\u3002.<\/p>\n<p>\u968f\u7740\u4e2d\u56fd\u7ecf\u6d4e\u7684\u4e0d\u65ad\u53d1\u5c55\uff0c\u5176\u652f\u4ed8\u7cfb\u7edf\u4e5f\u5c06\u968f\u4e4b\u6f14\u53d8\u3002\u4fe1\u7528\u5361\u5f88\u53ef\u80fd\u901a\u8fc7\u4e0e\u6570\u5b57\u5e73\u53f0\u7684\u6df1\u5ea6\u878d\u5408\u3001\u589e\u5f3a\u7684\u5b89\u5168\u529f\u80fd\u4ee5\u53ca\u63d0\u4f9b\u4e0e\u79fb\u52a8\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u4e92\u8865\u800c\u975e\u7ade\u4e89\u7684\u589e\u503c\u670d\u52a1\u6765\u4fdd\u6301\u5176\u91cd\u8981\u6027\u3002\u5bf9\u4e8e\u6d88\u8d39\u8005\u3001\u4f01\u4e1a\u548c\u6295\u8d44\u8005\u800c\u8a00\uff0c\u5bc6\u5207\u5173\u6ce8\u8fd9\u4e9b\u8d8b\u52bf\u5bf9\u4e8e\u5728\u8fd9\u4e2a\u77ac\u606f\u4e07\u53d8\u7684\u5e02\u573a\u4e2d\u505a\u51fa\u6709\u6548\u7684\u8d22\u52a1\u51b3\u7b56\u81f3\u5173\u91cd\u8981\u3002 <a href=\"https:\/\/exchangerateweb.com\/zh\/%e7%be%8e%e5%85%83%e5%85%91%e5%87%a0%e5%86%85%e4%ba%9a%e6%b3%95%e9%83%8e%e4%bb%8a%e6%97%a5%e6%b1%87%e7%8e%87%e8%bd%ac%e6%8d%a2%e6%8a%80%e5%b7%a7%e5%8f%8a%e5%b8%82%e5%9c%ba%e8%b6%8b%e5%8a%bf\/\" title=\"\u7f8e\u5143\u5151\u51e0\u5185\u4e9a\u6cd5\u90ce\uff1a\u4eca\u65e5\u6c47\u7387\u3001\u6362\u7b97\u6280\u5de7\u548c\u5e02\u573a\u8d8b\u52bf\"  data-wpil-monitor-id=\"677\">\u5e02\u573a<\/a>.<\/p>\n<\/section>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>\u63a2\u7d22\u4e2d\u56fd\u4fe1\u7528\u5361\u5e02\u573a\u8d8b\u52bf\uff0c\u4ece\u94f6\u8054\u7684\u4e3b\u5bfc\u5730\u4f4d\u5230\u79fb\u52a8\u652f\u4ed8\u7684\u878d\u5408\u3002\u4e86\u89e3\u4e3b\u8981\u53c2\u4e0e\u8005\u3001\u6d88\u8d39\u8005\u884c\u4e3a\u6a21\u5f0f\u4ee5\u53ca2025-2030\u5e74\u7684\u672a\u6765\u5c55\u671b\u3002.<\/p>","protected":false},"author":1,"featured_media":5257,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[374],"tags":[557,553,555,554,556],"class_list":["post-5256","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-china","tag-cashless-society-in-china","tag-china-credit-card-market","tag-chinese-payment-trends","tag-credit-card-adoption-in-china","tag-digital-payments-in-china"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/posts\/5256","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/comments?post=5256"}],"version-history":[{"count":19,"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/posts\/5256\/revisions"}],"predecessor-version":[{"id":7570,"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/posts\/5256\/revisions\/7570"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/media\/5257"}],"wp:attachment":[{"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/media?parent=5256"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/categories?post=5256"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/exchangerateweb.com\/zh\/wp-json\/wp\/v2\/tags?post=5256"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}