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告别现金?丹麦人觉得为时尚早

丹麦中央银行于2017年春季对丹麦家庭的付款行为进行了调查,结果于2017年12月公布。报告显示,虽然现金使用量正在下降,并预计未来将继续下去,但是丹麦并不会就此逐渐变为无现金社会,丹麦人将来可以使用和持有现金。

以下是报告中的一些重要信息:

1.PoS交易量中仍有23%以现金结算。在欧元区,这个数字是79%。在丹麦,PoS端交易价值的16%是用现金进行的,而在欧元区相应的数字是54%。

2. 现金使用量随着年龄的增长而增加:15-29岁的人使用现金支付9%的费用; 70-79岁的人使用率则高达40%

3. 现金更广泛地用于低价值支付。平均现金支付价值182丹麦克朗(24.44欧元),卡支付294丹麦克朗(39.49欧元)。

4. 丹麦的现金储蓄比欧元区更为普遍。大约34%的丹麦人储蓄现金用于储蓄,而欧元区(不包括德国)的这一比例则为24%。其中,又有14%的丹麦人现金储蓄额达到10,000丹麦克朗(1343欧元)。

5. 96%的人口估计他们很少或从未被阻止以现金支付。根据丹麦的立法,实体店只要有店员在就必须允许消费者用现金支付。 2018年新的立法将放宽这些规定,并允许商店在晚上减少现金支付。

6. 50%的人认为如果没有现金就会有问题。

报告的结论是:丹麦国家银行预计,现金作为支付手段的使用将继续下降,因为预计未来将有更多的丹麦人选择不使用现金。但是,丹麦不是走向无钱的社会。希望持有现金的公民仍然可以选择这样做。

The Danish Central Bank has conducted a survey of the payment behaviour of Danish households in the Spring of 2017. The findings were published in December in 2017. The report concludes that while cash usage is declining and is expected to continue to do so in the future, Denmark is not becoming cashless and Danes will be able to use and hold cash in the future.

Here are some key take-aways from the report :

1. 23% of the volume of point-of-sale transactions are settled in cash. In the euro-zone the figure is 79%.16% of the value of point-of-sale transactions are carried out in cash. In the euro-zone the corresponding figure is 54%.

2. Cash usage tends to increase with age: 15-29 year-olds use cash for 9% of payments ; 70-79 year-olds use it for 40%

3. Cash is more widely used for low-value payments. The average cash payment is worth DKR 182 (EUR 24.44) versus 294 (EUR 39.49) for card payments.

4. Cash savings are more commonplace in Denmark than in the euro-zone. Approximately 34% of Danes store cash for savings versus 24% in the euro-zone excluding Germany. 14% of hold over DKR 10,000 (EUR 1,343).

5. 96% of the population estimate that they are rarely or never prevented from paying in cash. According to Danish legislation, physical stores are obliged to accept cash as long as they are staffed. New legislation will relax these rules in 2018 and allow stores to decline cash payments at night.

6. 50% of the population consider that it would be problematic if there were no cash.

The report concludes Danmarks Nationalbank expects that the use of cash as a means of payment will continue to decline as more Danes are expected to choose to live without using cash in the future. However, Denmark is not heading for a cashless society. Citizens who wish to hold cash will still have the option to do so.


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