Chifukwa chiyani njira zolipirira mabanki ogawana mphamvu zimakwera kwambiri, ndipo tsogolo lawo ndi lotani?

Mabanki ogawana mphamvuakumana ndi mikangano yofala chifukwa cha "kukwera mitengo kwamitengo komanso kuyitanitsa pang'onopang'ono."M'miyezi yaposachedwa, mitu monga "Kodi mabanki amagetsi ogawana ndi okwera mtengo pa yuan 4 pa ola?"ndi "Mabanki amagetsi ogawana amangolipira 30% ya batri" atchuka pa Weibo, ndikubweretsanso nkhani yolipiritsa yamabanki amagetsi omwe amagawana nawo powonekera.

Mabanki ogawana magetsi adatuluka ngati gawo laling'ono mumayendedwe "ogawana".Mu 2017, ndi kutchuka kwa lingaliro la kugawana chuma, mabanki amphamvu omwe adagawana nawo, omwe adafufuzidwa kwa zaka zingapo, adayendetsedwa ndi likulu ndikukulitsidwa mwachangu kumizinda yosiyanasiyana.Panthawiyo, mphindi 30 zoyambirira kapena ola limodzi logwiritsa ntchito kwa ogwiritsa ntchito linali laulere, ndipo atadutsa nthawi yomwe adapatsidwa, chindapusa cha yuan pa ola chinkaperekedwa, ndi kapu ya tsiku ndi tsiku ya yuan 10.

Malinga ndi lipoti lofufuza lomwe lidatulutsidwa ndi iMedia Consulting, ogula m'malo odyera, malo odyera, malo ogulitsira zakudya, ndi malo ena odyera amapitilira 50% yakugwiritsa ntchito mabanki amagetsi omwe amagawana nawo.Kutsatira izi, mitengo yogwiritsira ntchito inali mu KTV, malo owonetsera mafilimu, ndi malo ena osangalatsa amkati, komanso m'masitolo akuluakulu.Mabwalo a ndege, malo okwerera masitima apamtunda, ndi malo ena apaulendo, komanso malo owoneka bwino ndi malo osangalalira okhala ndi nthawi yayitali panja, zinalinso zochitika zenizeni zamabanki amagetsi omwe amagawana nawo.

Mosiyana ndi zimenezi, mitengo ya mabanki amphamvu omwe amagawana nawo si "yotsika mtengo."Ku Shanghai, mtengo wamabanki amagetsi omwe amagawana nawo nthawi zambiri amakhala pafupifupi 3-5 yuan pa ola limodzi.M'malo otchuka komanso odziwika bwino, mtengo wake ukhoza kufika 7 yuan pa ola limodzi, ndipo m'mabala, amatha kufikira 8 yuan pa ola limodzi.Ngakhale pamtengo wotsika kwambiri wa yuan 3 pa ola, mtengo wa mabanki amagetsi omwe amagawana nawo wachulukitsa katatu pazaka zisanu zapitazi.

Zokambirana zambiri ndi zisankho zamtengo wapatali komanso zotsika mtengo zamabanki amagetsi omwe amagawana nawo zachitika pamapulatifomu a intaneti.Mwachitsanzo, mu kafukufuku wofunsa "Kodi mukuganiza kuti 4 yuan pa ola la mabanki amagetsi omwe amagawana nawo ndi okwera mtengo?"Anthu 12,000 adatenga nawo gawo, pomwe 10,000 aiwo amakhulupirira kuti "Ndiokwera mtengo kwambiri ndipo sindigwiritsa ntchito pokhapokha ngati kuli kofunikira," anthu 646 amawona kuti "ndiokwera mtengo pang'ono, koma ovomerezeka," ndipo anthu 149 akuti "Sindikuganiza kuti ndi okwera mtengo. ."

Kuti tipereke chitsanzo cha mitengo yogawana ku banki yamagetsi ku Shanghai, tiyeni titenge nsanja ya Oriental Pearl TV ngati chofotokozera.Mabanki ozungulira omwe amagawana nawo amachokera ku 4 mpaka 6 yuan pa ola limodzi, ndi mtengo wamtengo wapatali wa maola 24 pafupifupi 30 yuan, ndi kapu ya 99 yuan.

Kampani	MtengoRMB/Ola	Mtengo wa 24hours	Mtengo wamtengo	Nthawi yomasuka
Mayituan	4-6RMB/ola	30 RMB	99 RMB	2 Mphindi
Xiaodian	5RMB/ola	48 RMB	99 RMB	3 Mphindi
Chilombo	5RMB/ola	30 RMB	99 RMB	5 Mphindi
Shoudian	6RMB/ola	30 RMB	99 RMB	1 Mphindi
Jiedian	4RMB/ola	30 RMB	99 RMB	2 Mphindi
Pafupi ndi Oriental Pearl Tower

Pafupi ndi dera la Xintiandi m'chigawo cha Huangpu, mtengo wa mabanki amagetsi ogawana nawo umachokera ku 4 mpaka 7 yuan pa ola limodzi, ndi kusinthasintha kwakukulu pamtengo wa maola 24, pakati pa 30 ndi 50 yuan, wokwera pang'ono poyerekeza ndi dera la Oriental Pearl Tower. .

Kampani	MtengoRMB/Ola	Mtengo wa 24hours	Mtengo wamtengo	Nthawi yomasuka
Mayituan	7RMB/ola	50 RMB	99 RMB	0 Mphindi
Xiaodian	4RMB/ola	50 RMB	99 RMB	5 Mphindi
Chilombo	5RMB/ola	40 RMB	99 RMB	3 Mphindi
Shoudian	6RMB/ola	32 RMB	99 RMB	5 Mphindi
Jiedian	4RMB/ola	30 RMB	99 RMB	1 Mphindi
Pafupi ndi Xintiandi, Chigawo cha Huangpu

M'mashopu amsewu m'boma la Jiading, Shanghai, mtengo wonse wamabanki omwe amagawana nawo watsika, ndi mtengo wa yuan 3 kapena 4 pa ola, ndipo ambiri amalipiritsa 40 yuan kwa maola 24.Mitundu ina imapereka mitengo yotsika, ndi mtengo wa maola 24 wa 30 yuan.

Kampani	MtengoRMB/Ola	Mtengo wa 24hours	Mtengo wamtengo	Nthawi yomasuka
Mayituan	3RMB/ola	40 RMB	99 RMB	1 Mphindi
Xiaodian	3RMB/ola	30 RMB	99 RMB	3 Mphindi
Chilombo	/	/	/	/
Shoudian	4RMB/ola	40 RMB	99 RMB	1 Mphindi
Jiedian	4RMB/ola	48 RMB	99 RMB	1 Mphindi
Malo ogulitsa mumsewu ku Jiading District, Shanghai

Kuphatikiza apo, kufufuza kudzera mu pulogalamu yaying'ono kunawonetsa kuti malo ogulitsira mowa m'chigawo cha Jing'an amapereka mabanki amphamvu omwe amagawana nawo mpaka 8 yuan pa ola limodzi.

Kupatula pa mitengo yamtengo wapatali, ndalama zogwirira ntchito za mabanki amagetsi omwe amagawana nawo zatsutsidwa.Mosiyana ndi mabanki amagetsi apanyumba, kuthamanga kwapang'onopang'ono kwa mabanki amagetsi omwe amagawana nawo kwakhala mgwirizano.Ogwiritsa ntchito intaneti ena amadandaula kuti ngakhale zimangotenga mphindi za 20 kuti azilipiritsa mafoni awo pogwiritsa ntchito chojambulira chofulumira, kugwiritsa ntchito banki yogawana nawo kumatha kutsimikizira kuti foni sitaya batri.

Kuphatikiza apo, mtengo wa maola 24 wowonetsedwa ndi mabanki amagetsi omwe amagawana nawo uli ndi zotsika mtengo.Ena ochezera pa intaneti amati banki yamagetsi yogawana ikatha, batire la foni yawo limangowonjezeka ndi 30%.

 

Poyankha mkangano wokwera mtengo, woimira Xiaodian, imodzi mwamabanki omwe adagawana nawo, adanena kuti mtunduwo sunawonjezere mitengo yake chaka chino komanso kuti palibe kusintha kwamitengo pamakampani.Ananenanso kuti mitengo ya Xiaodian imachokera pamitengo yamsika ndipo imagwirizana ndi malamulo ndi malamulo ofunikira pamsika.

 

Akamafunsa zamitengo yotsutsana yamabanki omwe amagawana mphamvu ndi Meituan Charging ndi Guai Shou Kulipiritsa makasitomala m'malo mwa ogula, kasitomala wa Meituan Charging adati amagwiritsa ntchito njira zosiyanasiyana zamitengo kuti zigwirizane ndi msika.Amaganizira za mawu amakampani ndi malingaliro ena amalonda pamitengo.Mtengo wautumiki umasinthidwa pamsika ndipo umatsatira mosamalitsa Lamulo la Mitengo la People's Republic of China.Ogwiritsa ntchito akuyenera kulabadira "malamulo olipira" ndikutsimikizira ngati akufuna kugwiritsa ntchito banki yamagetsi malinga ndi zosowa zawo zenizeni.

Makasitomala a Guai Shou Charging adanenanso kuti chifukwa cha zinthu zosiyanasiyana komanso mtengo wokonza m'magawo osiyanasiyana, sitolo iliyonse imakhala ndi zolipiritsa zosiyanasiyana.Iwo amavomerezana ndi nthumwi za m'madera ndi amalonda, monga "mitengo kukhala yosiyana kaya m'chigwa kapena m'phiri."

 

Zhumang Technology ili ndi mitundu iwiri, Jiedian ndi Soudian.Monga nthawi yolemba, Zhumang Technology sanayankhe funsoli.

Munthu wosadziwika yemwe adagawana nawo banki yamagetsi adauza mtolankhani kuti makampani aku banki yamagetsi omwe amagawana nawo adagwidwa ndi njira, ndikutsatsa kwakukulu komanso mpikisano.Makampaniwa ayamba kulemba anthu olemba ntchito ndi kugulitsa zida, zomwe zimatsimikizira kuti malondawo apeza ndalama zokhazikika komanso kumabweretsa zovuta zamitengo.Mwachitsanzo, Guai Shou Charging imagwira ntchito ngati njira yogulitsira mwachindunji, pomwe Sianoud ndi Xiaodian amagwira ntchito ngati zitsanzo zabungwe.

 

CCTV yanenanso mu lipoti lake kuti mtengo wa mabanki amagetsi nthawi zambiri umakambidwa pakati pa othandizira ndi masitolo.Othandizira amakhala ndi ndalama zobwereketsa zamabanki amagetsi, ndipo masitolo amangofunika kulipira mabilu amagetsi a potengerapo.Ndalama zomaliza zimagawidwa ndi wothandizira, sitolo, ndi nsanja.Masitolo nthawi zambiri amalandira pafupifupi 30% ya ndalama zomwe amapeza, ndipo masitolo omwe ali ndi magalimoto okwera amakhala ndi mphamvu zambiri zogulitsira.Pulatifomu imalandira pafupifupi 10% ya ndalama.Izi zikutanthauza kuti ngati banki yamagetsi imawononga yuan 10 pa ola, nsanja imalandira yuan 1, sitolo imalandira yuan 3, ndipo wothandizira amapeza pafupifupi 6 yuan.Ngati kasitomala aiwala kubwezera banki yamagetsi kenako n'kugula, sitoloyo nthawi zambiri imalandira 2 yuan, pamene wothandizira amalandira pafupifupi 16 yuan.

Nkhani ya ndalama zogawana mabanki amagetsi yakhala ikudetsa nkhawa akuluakulu oyang'anira.Mu June 2021, dipatimenti ya Price, Antimonopoly, ndi Internet Supervision ya State Administration for Market Regulation idakhala ndi msonkhano wowongolera, ndikupempha kuti anthu asanu ndi atatu omwe amagawana nawo malonda kuphatikiza Meituan, Guai Shou, Xiaodian, Laidian, Jiedian, ndi Soudian akonze zomwe amachita, kukhazikitsa malamulo omveka bwino amitengo, khazikitsani mosabisa mitengo yowonekera, ndikuwongolera machitidwe amitengo yamsika ndi machitidwe ampikisano.Panthawiyo, mtengo wamtengo wapatali wazinthuzi unali 2.2 mpaka 3.3 yuan pa ola limodzi, ndi 69% mpaka 96% ya makabati amtengo wapatali pa 3 yuan kapena pansi pa ola limodzi.Komabe, patatha zaka ziwiri, pamene malondawo amatsatirabe mitengo yowonekera, mtengo wa mabanki amphamvu omwe amagawana nawo wakwera kwambiri, kukhala "wakupha" watsopano.

Kuyambira kuchiyambi kwa chaka chino, madera osiyanasiyana adamvetseranso madandaulo a ogula okhudzana ndi mphamvu zogawana.banki M'mwezi wa Marichi, Consumer Council ya Shenzhen, Province la Guangdong idachita kafukufuku wamitundu yosiyanasiyana yamabanki amagetsi omwe amagawana nawo.Kafukufukuyu adapeza kuti kubweza ndalama zambiri pambuyo pobweza banki yamagetsi kunali dandaulo lalikulu kuchokera kwa ogula.

 Ndikoyenera kudziwa kuti ngakhale madandaulo awa, malipoti a kafukufuku wamakampani akadali ndi malingaliro abwino pakubwezeretsanso msika wa banki yogawana mphamvu chifukwa cha kuchuluka kwa ogwiritsa ntchito.Malinga ndi "2023 China Shared Power Bank Industry Research Report" lofalitsidwa ndi iResearch, zomwe za chaka chonse cha 2022 zidawonetsa magwiridwe antchito, kukula kwamakampani ku 10 biliyoni.Pofika chaka cha 2023, ndikuyambiranso kwachuma kwa anthu okhalamo monga kupanga ndi kukhala ndi moyo, makampani azachuma akuyembekezeka kukwera mpaka pafupifupi ma yuan biliyoni 17, kupitilira 70 biliyoni pofika 2028.