日本无现金支付的推广状况与前景分析

Popularization and Prospect of Cashless Payment in Japan

推广无现金支付是日本国家复兴战略和未来投资战略中的重要一环,也是安倍经济学"三支箭"的关键内容之一。2018年日本经济产业省发布《无现金愿景》,由此拉开了日本加速推广无现金支付的序幕。为了改变"无现金支付落后国家"的形象,日本政府出台一系列国家发展规划纲要,强力推进金融科技(FinTech);金融机构促进法律法规的健全,为无现金社会的构建打造良好的实施环境;无现金支付服务行业开启多样化无现金支付手段的"战国时代";官产学一体无现金支付推广协会协助推广"无现金支付返现措施"。日本无现金支付的推广取得了一定的成果。然而,消费税税率的提升和全球突发公共卫生事件对日本经济的影响给无现金支付的推广带来了诸多不确定性;另外,对现金高度依赖的社会环境、实体店铺等商家对成本和收益的担忧、消费者对改变消费习惯的不安和对个人信息安全的谨慎、无现金支付服务商对推广成本和特殊商业习惯的顾虑等都将成为日本继续推广无现金支付的阻力。

To popularize cashless payment is an important part of Japan’s national revival strategy and future investment strategy,and is also one pivotal element of"three arrows"of Abenomics.In 2018,the METI of Japan released Cashless Vision to kick off the accelerative popularization of cashless payment.In order to get rid of the image of"the backward country in cashless payment",the Japanese government has issued a series of national development programs and outlines to vigorously promote financial technology(FinTech).Financial institutions has promoted the perfection of laws and regulations so as to create good implementation environment for constructing cashless society.The cashless payment service industry has started the"warring states era"of diversified cashless payment means.Cashless Payment Promotion Association has helped to promote"cashless point return system".To sum up,Japan has achieved some certain results in the popularization process of cashless payment.However,the impact of the increase in consumption tax rate and global public health emergencies on the Japanese economy have brought many challenges and uncertainties to the prospect for promoting cashless payment.In addition,the high cash-dependent social environment,the worries of physical stores and other businesses about costs and benefits,the caution and anxiety of consumers about changing consumption habits and personal information security,and the concerns of cashless payment service providers about promotion costs and special business habits will all become the obstacles while Japan continues popularizing cashless payment.