日本銀行擬推出“J幣”對(duì)抗支付寶

Japanese banks’ plans to introduce a new digital currency ready for the 2020 Tokyo Olympics as they respond to the threat from China’s Alibaba, which recently launched its mobile-phone payments service in the country.

日本幾家銀行計(jì)劃在2020年?yáng)|京奧運(yùn)會(huì)(2020 Tokyo Olympics)之前推出一種新型數(shù)字貨幣，以應(yīng)對(duì)中國(guó)的阿里巴巴(Alibaba)構(gòu)成的威脅。阿里巴巴近來(lái)在日本推出了其移動(dòng)手機(jī)支付服務(wù)。

A consortium of banks, led by Mizuho Financial Group and Japan Post Bank, has won support from the country’s central bank and financial regulator to launch the J Coin, an electronic currency to pay for goods and transfer money using smartphones.

一個(gè)由瑞穗金融集團(tuán)(Mizuho Financial Group)和日本郵政銀行(Japan Post Bank)牽頭的銀行財(cái)團(tuán)，已獲得日本央行(BoJ)和金融監(jiān)管機(jī)構(gòu)的支持，將推出電子貨幣“J幣”(J Coin)，以便用智能手機(jī)為商品付款和轉(zhuǎn)賬。

The J Coin would be convertible into yen on a one-to-one basis, operating via a smartphone app and using QR codes to be scanned in stores. In return for providing the service for free, the banks would benefit by collecting more data on consumer spending patterns.

“J幣”可等價(jià)兌換為日元，通過(guò)智能手機(jī)應(yīng)用在店內(nèi)掃描二維碼使用。這項(xiàng)服務(wù)免費(fèi)，作為回報(bào)，銀行將可收集更多有關(guān)消費(fèi)者支出模式的數(shù)據(jù)并從中受益。

“I think this electronic money is quite ahead of [credit and debit] cards, because when you use the cards the shops pay a certain fee,” Yasuhiro Sato, president and chief executive officer of Mizuho Financial Group, told the Financial Times.

瑞穗金融集團(tuán)總裁兼首席執(zhí)行官佐藤康博(Yasuhiro Sato)告訴英國(guó)《金融時(shí)報(bào)》：“我認(rèn)為這種電子貨幣明顯優(yōu)于(信用及借記)卡，因?yàn)槟闶褂每〞r(shí)店家要支付一定費(fèi)用。”

Meanwhile, MUFG has been developing a blockchain-based alternative called the MUFG coin. However, there have been recent discussions between the top banks about the possibility of MUFG joining the J Coin initiative.

與此同時(shí)，三菱日聯(lián)金融集團(tuán)(MUFG)正在開(kāi)發(fā)一種基于區(qū)塊鏈的貨幣“MUFG幣”。不過(guò)，最近日本大銀行之間討論了三菱日聯(lián)金融集團(tuán)加入“J幣”計(jì)劃的可能性。

Several big Japanese banks have been lobbying their government and regulators about the danger of Alibaba’s Alipay service being launched recently in several cities including Tokyo, which they argue will allow data on Japanese consumers to be sent to China, according to a presentation seen by the FT.

根據(jù)英國(guó)《金融時(shí)報(bào)》看到的一份報(bào)告，幾家日本大銀行一直在就阿里巴巴近來(lái)在東京等日本多個(gè)城市推出支付寶(Alipay)服務(wù)構(gòu)成的威脅游說(shuō)日本政府和監(jiān)管機(jī)構(gòu)。它們辯稱，該服務(wù)將致使有關(guān)日本消費(fèi)者的數(shù)據(jù)被發(fā)送到中國(guó)。

The J Coin is designed to wean the Japanese off their heavy dependency on cash, which accounts for 70 per cent of all transactions by value. That is higher than any developed country, which have on average reduced cash utilisation to only 30 per cent.

“J幣”旨在讓日本人擺脫對(duì)現(xiàn)金的嚴(yán)重依賴，以交易額計(jì)，日本70%的交易用現(xiàn)金完成。這一比例高于其他任何一個(gè)發(fā)達(dá)國(guó)家，發(fā)達(dá)國(guó)家的現(xiàn)金使用率已平均降至30%。

“We like cash, because Japan is a very safety-conscious country,” said Mr Sato. “But cash is not so productive so we have to change the structure from cash to electronic money.”

“我們喜歡現(xiàn)金，因?yàn)槿毡痉浅Ｖ匾暟踩?rdquo;佐藤康博表示，“但用現(xiàn)金效率不高，因此我們必須改變這種結(jié)構(gòu)，從現(xiàn)金轉(zhuǎn)向電子貨幣。”

The banks have privately estimated that the new system could add an extra ¥10bn to Japan’s economy by reducing the costs of handling cash and cutting settlement fees for retailers and consumers. They plan to unveil their J Coin plan in the next few days.

這些銀行私下估計(jì)，這一新系統(tǒng)可能會(huì)通過(guò)降低處理現(xiàn)金的成本和零售商與消費(fèi)者的結(jié)算費(fèi)用，令日本經(jīng)濟(jì)產(chǎn)出增加100億日元。它們計(jì)劃在未來(lái)幾天公布“J幣”計(jì)劃。