美國金融服務(wù)網(wǎng)站銀率網(wǎng)發(fā)布的數(shù)據(jù)顯示，美國信用卡的年利率已經(jīng)達(dá)到20.4%，這是該網(wǎng)站記錄的歷史最高水平。銀率網(wǎng)發(fā)布的調(diào)查數(shù)據(jù)顯示，46%的美國人背負(fù)信用卡債務(wù)，高于一年前的39%。這就很有意思了，在海外論壇，美國網(wǎng)友問，中國是否如此落后以至于他們甚至不使用和不了解信用卡？我們看看各國網(wǎng)友的回答。
美國網(wǎng)友羅伯特?凡羅格斯的回答
Vazeha (questioner), do you claim to be an expert on China issues? Do you still believe that you are a financial expert? It seems that you still need to learn a lot.
瓦澤哈（提問者），你自稱是中國問題專家？你還自信認(rèn)為自己是一名金融專家？看來你還需要學(xué)很多東西。
In fact, China is several light years ahead of all Western countries in terms of finance. They have crossed the credit card and charged directly to the bank account (using the QR code). Now it is a cashless society. In addition, they are using their own national digital currency eYuan to enter the next generation of financial payment stage, which will help to establish an alternative global trade credit system using digital platforms.
事實(shí)上，中國在金融方面領(lǐng)先所有西方國家?guī)坠饽?。他們越過了信用卡，直接向銀行賬戶收費(fèi)（使用二維碼），現(xiàn)在是一個(gè)無現(xiàn)金社會(huì)。此外，他們正在使用自己的國家數(shù)字化貨幣eYuan（數(shù)字人民幣）進(jìn)入下一代金融支付階段，這將有助于使用數(shù)字化平臺(tái)建立替代的全球貿(mào)易信貸系統(tǒng)。
At the same time, Western countries have fallen into the dilemma of excessive issuance of credit cards and are unable to move forward.
與此同時(shí)，西方國家陷入了信用卡濫發(fā)的困境，無法向前發(fā)展。
Just think with common sense: for Western commercial banks, this is a multi billion dollar cash cow industry. Why should they abandon such a lucrative business and instead enter digital business? This world will definitely limit the high interest rates and fees they earn now, and the banking system has been doing its best to maintain the status quo. Unfortunately, this system is harming those who are least able to afford economic debt - the working class has become accustomed to using credit card debt to supplement today"s increasing cost of living.
只要用常識(shí)來思考一下：對(duì)于西方商業(yè)銀行來說，這是一個(gè)價(jià)值數(shù)十億美元的搖錢樹行業(yè)，他們?yōu)槭裁匆艞夁@樣一個(gè)利潤豐厚的業(yè)務(wù)，轉(zhuǎn)而進(jìn)入數(shù)字化業(yè)務(wù)，這個(gè)世界肯定會(huì)限制他們現(xiàn)在賺取的高利貸利率和收費(fèi)，銀行系統(tǒng)一直在竭盡全力維持現(xiàn)狀。不幸的是，這一制度正在傷害那些最無力負(fù)擔(dān)經(jīng)濟(jì)負(fù)債的人——工人階級(jí)已經(jīng)習(xí)慣于使用信用卡債務(wù)來補(bǔ)充今天不斷增加的生活成本。
海外網(wǎng)友麗薩的回答
Oh my goodness, a question like this is so foolish, arrogant, ignorant, and without common sense, it really surprises me. It is obvious that the person asking such a question is either just a instigator or has never set foot in China! If that"s the case, we must feel a certain degree of pity towards them.
天哪，像這樣的問題是如此愚蠢、傲慢、無知和沒有常識(shí)，真的讓我大吃一驚。很明顯，問這樣問題的人要么只是一個(gè)煽動(dòng)者，要么從未涉足中國！如果是這樣的話，我們必須對(duì)他們感到一定程度的憐憫。
Let me tell you, China is not a backward country, it is one of the most advanced countries in the world. Last night, I talked to my Chinese friends in Australia about their domestic currency system. They told me that paper currency is no longer used in China. Instead, everything is paid through their mobile phone"s "WeChat" account. They said, "You just need to click, it will scan the product and make the payment! But what if I cross the border from Vietnam? They replied, "Then you need a loaded card that you can click on to pay in RMB.". Then I asked, but what about the poor? How can they afford a phone? They say that everyone in China can afford a mobile phone.
讓我告訴你，中國不是一個(gè)落后的國家，它是世界上最先進(jìn)的國家之一。昨晚，我在澳大利亞與中國朋友談?wù)摿怂麄儑鴥?nèi)的貨幣體系，他們告訴我，紙幣在中國不再使用，相反，所有東西都是通過他們手機(jī)上的“微信”支付的，他們說，你只需點(diǎn)擊，它就會(huì)掃描產(chǎn)品并支付！但如果我從越南越過邊境怎么辦？他們回答說，那么你需要有一張加載的卡，你可以點(diǎn)擊它以人民幣支付。然后我問，但窮人呢？他們怎么買得起電話？他們說在中國每個(gè)人都買得起手機(jī)。
Perhaps our Western countries are lagging behind!
也許是我們西方國家落后了！
新加坡網(wǎng)友Kochi Lim的回答
Let me help you and others understand China.
讓我?guī)椭愫推渌肆私庖幌轮袊?/strong>
Due to many reasons, China has developed from a country with a GDP equivalent to Zambia to the world"s economy with the highest real value of purchasing power parity.
由于許多原因，中國從一個(gè)GDP相當(dāng)于贊比亞的國家發(fā)展成為世界上購買力平價(jià)實(shí)際價(jià)值最大的經(jīng)濟(jì)體。
He achieved a technological leap. For example, China has transitioned from no communication to smartphones that bypass land lines and computers. It goes from petty cash to cashless society, bypasses banks and credit cards, and avoids paying commissions!
他實(shí)現(xiàn)了技術(shù)跨越。比如中國從沒有通信跨越到繞過陸地線路和計(jì)算機(jī)的智能手機(jī)。它從小額現(xiàn)金跨越到無現(xiàn)金社會(huì)，繞過了銀行、信用卡，避免支付傭金！
Nowadays, China"s manufacturing industry uses the most automation and robots. China alone has deployed more robots than other countries in the world. It has transitioned from manual labor to complete automation, leaving the factory workshop to robots. This is why China has emerged from the middle-income trap. And it has increased the actual income of Chinese people by 30 times within 40 years.
如今，中國制造業(yè)使用的自動(dòng)化和機(jī)器人最多。僅中國一國就部署了比世界其他國家組裝的更多機(jī)器人。它從手工勞動(dòng)跨越到了完全自動(dòng)化，將工廠的車間留給了機(jī)器人。這就是中國沒有陷入中等收入陷阱的原因。并使中國人的實(shí)際收入在40年內(nèi)增長了30倍。
China"s transportation has gone from a steam engine to a high-speed train with a speed of 400 kilometers per hour. Nowadays, China"s high-speed railway is 12000 kilometers long, nearly twice orbiting the Earth! This high-speed railway line is even longer than the world combined.
中國的交通運(yùn)輸從蒸汽機(jī)跨越到了時(shí)速400公里的高速列車。如今，中國的高鐵長達(dá)1.2萬公里，接近兩次繞地球運(yùn)行！這條高速鐵路線比全世界加起來還要長。
So I hope I can let you know that China is not as backward as you have slandered, and now China is so brilliant!
所以我希望我能讓你知道，中國并非如你所詆毀的那樣，是如此落后，現(xiàn)在的中國是如此輝煌！
海外網(wǎng)友肯尼?儲(chǔ)的回答
This world is not as you imagine, it is a world with two ways of doing business. Half of the world chooses one way, the other half chooses another way.
這個(gè)世界并不像你想象的那樣，這是一個(gè)有兩種商業(yè)方式的世界。世界的一半選擇一種方式，另一半選擇另一種方式。
In the West, led by the United States, there is a business system based on extracting wealth.
在西方，以美國為首的是一個(gè)以榨取財(cái)富為基礎(chǔ)的商業(yè)體系。
People work hard. The government has seized some of the labor achievements in the form of taxes, fees, provisions, penalties, and regulations. There is another layer of exploitation costs below this layer. These are bank transfer fees, interest, and debt default fines, as well as all relevant rules that must be followed when using the system. Under this system, there is an organizational system that extracts costs, controls prices, and squeezes profits. This enterprise system has its own charging standards and income statement.
人們辛勤勞動(dòng)。政府以稅收、費(fèi)用、條款、處罰和條例的形式攫取了部分勞動(dòng)成果。在這一層下面還有另一層被剝削的費(fèi)用。這些是銀行轉(zhuǎn)賬費(fèi)、利息和債務(wù)違約罰款以及使用該系統(tǒng)必須遵守的所有相關(guān)規(guī)則。在這個(gè)體系之下，是一個(gè)組織體系，他們提取著費(fèi)用，管制著價(jià)格，壓榨著利潤。這個(gè)企業(yè)體系，它們有自己的收費(fèi)標(biāo)準(zhǔn)和利潤表。
For a worker, to work and earn money, their remuneration needs to go through the so-called wealth extraction system above, and the rest belongs to the worker.
對(duì)于一個(gè)工人來說，去勞動(dòng)和賺錢，其所得報(bào)酬都需要經(jīng)過以上所謂的財(cái)富提取系統(tǒng)，剩下的才歸工人所有。
In the East, led by China, there is a commercial system based on ownership.
在東方，以中國為首的是一個(gè)以所有制為基礎(chǔ)的商業(yè)體系。
If a person earns money through labor, the money will be electronically converted into an amount, and the worker can receive the majority of the value. No government, individual, entity, or organization can extract income from this value. This is illegal.
如果一個(gè)人通過勞動(dòng)賺錢，那么這些錢會(huì)以電子方式轉(zhuǎn)換成一個(gè)數(shù)額，并且工人可以獲得該價(jià)值的大部分金額。任何政府、個(gè)人、實(shí)體或組織都無法從該價(jià)值中抽走收入。這是違法的。
But what about this problem? Why does China not abuse "credit cards"?
但是這個(gè)問題呢？為什么中國不濫用“信用卡”？
Credit cards are made in the West as a means of extracting wealth. Instead of using the money they earn, a person applies for a card from a bank and then borrows it.
信用卡是西方制造的，是榨取財(cái)富的手段，一個(gè)人沒有使用他們賺來的錢，而是從銀行辦卡，然后從銀行借用。
Don"t use credit cards like Americans do
別像美國人那樣用信用卡
Joseph Kirschke, an American freelance writer residing in China, said that for a long time, Chinese people have maintained a savings oriented consumption habit due to various historical and cultural reasons. With the development of the economy, China has begun to encourage people to use credit cards to change traditional consumption habits. In China, the issuance volume of credit cards is 2 billion, which is more than three times that of 2006.
旅居中國的美籍自由撰稿人約瑟夫·科爾什科(Joseph Kirschke)說：長期以來，由于各種歷史及文化原因，中國人一直保持儲(chǔ)蓄型的消費(fèi)習(xí)慣。隨著經(jīng)濟(jì)的發(fā)展，中國開始鼓勵(lì)人們使用信用卡，以改變傳統(tǒng)的消費(fèi)習(xí)慣。在中國，信用卡的發(fā)卡量為20億，這一數(shù)據(jù)是2006年的3倍以上。
Cash is the main consumption mode in this ancient country, and compared to other countries, Chinese households spend over 40% of their income on savings, making it difficult to foresee the huge and long-term negative consequences of using credit cards. If they want to know the consequences, they can look at the United States.
現(xiàn)金是這個(gè)古老國家的主要消費(fèi)方式，與其他國家相比，中國家庭把收入的40%以上用于存款，似乎難以預(yù)見到使用信用卡會(huì)帶來的巨大而長期的不良后果。如果想知道后果，他們可以看看美國。
In 2001, the United States became the world"s largest creditor country. In the past eight years, the United States has engaged in two wars and formulated several costly policies, with the Bush administration increasing the country"s debt to $4 trillion. Under the foam like growth, credit cards were used more and more until they lost control. With the excessive expansion of the real estate economy, Americans are gradually realizing that their income has decreased as the cost of living has skyrocketed.
在2001年，美國成為世界上最大的債權(quán)國。八年來，美國進(jìn)行了兩場戰(zhàn)爭，制定了數(shù)項(xiàng)耗資巨大的政策，布什政府將國家的債務(wù)增加到4萬億美元。在泡沫式的增長之下，信用卡被使用得越來越多，直至失去控制。隨著房地產(chǎn)經(jīng)濟(jì)的過度膨脹，美國人逐漸發(fā)現(xiàn)，隨著生活成本的激增，他們的收入降低了。
Subsequently, the employment situation was affected, and people still felt that they could survive on plastic cards in their hands. Afterwards, interest
