Kuki banki zisanganywe ingufu zishyuza ingamba zihenze cyane, kandi ni ubuhe buryo bwabo?

Amabanki asanganywe ingufubahuye n’impaka nyinshi kubera "izamuka ry’ibiciro no kwishyurwa gahoro."Mu mezi ashize, ingingo nka "Ese amabanki yingufu asangiwe ahenze ku mafaranga 4 ku isaha?"na "Amabanki asanganywe yishyuza 30% ya bateri gusa" yamenyekanye cyane kuri Weibo, yongeye kuzana ikibazo cyo kwishyuza amabanki asanganywe amashanyarazi asanganywe.

Amabanki asanganywe ingufu yagaragaye nkinganda ziciriritse muburyo "busangiwe".Muri 2017, hamwe no kumenyekanisha igitekerezo cy’ubukungu bw’isaranganya, banki zisanganywe ingufu, zari zimaze imyaka myinshi zikorwa ubushakashatsi, zasunitswe n’imari shingiro kandi zihita ziyongera mu mijyi itandukanye.Muri kiriya gihe, iminota 30 yambere cyangwa nisaha imwe yo gukoresha kubakoresha yari ubuntu, kandi nyuma yigihe kirenze igihe cyagenwe, hishyurwaga amafaranga yuan imwe kumasaha, hamwe numunsi wamafaranga 10.

Raporo y’ubushakashatsi yashyizwe ahagaragara na iMedia Consulting, abaguzi muri resitora, akabari, iduka rya dessert, n’ahandi hantu ho gusangirira bangana na 50% by’ikoreshwa ry’amabanki asanganywe ingufu.Nyuma yibyo, ibiciro byakoreshejwe byari muri KTV, sinema, hamwe n’ahandi hantu ho kwidagadurira mu nzu, ndetse no mu maduka manini.Ibibuga byindege, gariyamoshi, hamwe n’ahantu nyabagendwa, hamwe n’ahantu nyaburanga hamwe na parike zidagadura hamwe no kumara igihe kinini hanze, na byo byari ibintu byingenzi kuri banki zisanganywe ingufu.

Ibinyuranye, ibiciro byamabanki yingufu zisangiwe ntabwo "bihendutse."Muri Shanghai, igiciro cyamabanki yingufu zisangiwe muri rusange ni hafi 3-5 yu isaha.Ahantu nyaburanga no mu bucuruzi hazwi, igiciro gishobora kugera kuri 7 yu isaha, naho mu tubari, gishobora no kugera ku 8 ku isaha.Ndetse no ku giciro cyo hasi ya Yuan 3 ku isaha, igiciro cyamabanki yingufu zisangiwe cyikubye gatatu mumyaka itanu ishize.

Impaka nyinshi n’amatora ku giciro no gukoresha neza amabanki y’ingufu zisangiwe byabereye ku mbuga za interineti.Kurugero, mubushakashatsi bwabajije "Utekereza ko amafaranga 4 yisaha kumabanki asanganywe amashanyarazi ahenze?"Abantu 12.000 bitabiriye, 10,000 muri bo bemeza "Birahenze cyane kandi sinzabikoresha keretse bibaye ngombwa," abantu 646 babifata "bihenze gato, ariko biracyemewe," naho abantu 149 baravuga bati "Ntabwo mbona ko bihenze . "

Gutanga urugero rwibiciro byamabanki asangiwe muri Shanghai, reka dufate umunara wa Pearl TV umunara nkibisobanuro.Amabanki asanganywe amashanyarazi aringaniye kuva kuri 4 kugeza kuri 6 kumasaha, hamwe namasaha 24 ntarengwa igiciro cyamafaranga 30, hamwe na capita 99.

Isosiyete	IgiciroAmafaranga/ Isaha	Igiciro cyamasaha 24	Igiciro	Igihe cyubusa
Meituan	4-6RMB / isaha	30RMB	99RMB	Iminota 2
Xiaodian	5RMB / isaha	48RMB	99RMB	Iminota 3
Monster	5RMB / isaha	30RMB	99RMB	Iminota 5
Shoudian	6RMB / isaha	30RMB	99RMB	Iminota 1
Jiedian	4RMB / isaha	30RMB	99RMB	Iminota 2
Hafi yumunara wa Pearl

Hafi y’akarere ka Xintiandi mu Karere ka Huangpu, igiciro cy’amabanki asanganywe amashanyarazi kiva ku mafaranga 4 kugeza kuri 7 ku isaha, hamwe n’ihindagurika rikomeye mu giciro cy’amasaha 24, hagati y’amafaranga 30 kugeza kuri 50, hejuru cyane ugereranije n’akarere kegereye umunara wa Pearl Tower .

Isosiyete	IgiciroAmafaranga/ Isaha	Igiciro cyamasaha 24	Igiciro	Igihe cyubusa
Meituan	7RMB / isaha	50RMB	99RMB	Iminota 0
Xiaodian	4RMB / isaha	50RMB	99RMB	Iminota 5
Monster	5RMB / isaha	40RMB	99RMB	Iminota 3
Shoudian	6RMB / isaha	32RMB	99RMB	Iminota 5
Jiedian	4RMB / isaha	30RMB	99RMB	Iminota 1
Hafi ya Xintiandi, Akarere ka Huangpu

Mu maduka yo mu mihanda yo mu Karere ka Jiading, muri Shanghai, igiciro rusange cy’amabanki asanganywe amashanyarazi cyaragabanutse, hamwe n’igiciro cy’amafaranga 3 cyangwa 4 ku isaha, kandi benshi muri bo bishyura amafaranga 40 mu masaha 24.Ibiranga bimwe bitanga ibiciro biri hasi, hamwe nigiciro cyamasaha 24 cyamafaranga 30.

Isosiyete	IgiciroAmafaranga/ Isaha	Igiciro cyamasaha 24	Igiciro	Igihe cyubusa
Meituan	3RMB / isaha	40RMB	99RMB	Iminota 1
Xiaodian	3RMB / isaha	30RMB	99RMB	Iminota
Monster	/	/	/	/
Shoudian	4RMB / isaha	40RMB	99RMB	Iminota 1
Jiedian	4RMB / isaha	48RMB	99RMB	Iminota 1
Amaduka yo mumuhanda mukarere ka Jiading, Shanghai

Byongeye kandi, ubushakashatsi bwakozwe muri porogaramu nto bwerekanye ko akabari ka byeri mu Karere ka Jing'an gatanga amabanki y’amashanyarazi asanganywe agera kuri 8 ku isaha.

Usibye ibiciro biri hejuru, ibiciro-byamabanki asanganywe ingufu byanenzwe.Bitandukanye na banki zingufu zo murugo, umuvuduko wo kwishyuza buhoro amabanki asanganywe ingufu byabaye ubwumvikane.Bamwe mu bakoresha urubuga binubira ko mu gihe bisaba iminota 20 gusa kugirango bishyure byuzuye terefone ukoresheje charger yihuse, ukoresheje banki isanganywe ingufu birashobora gusa kwemeza ko terefone idatakaza bateri.

Byongeye kandi, igiciro cyamasaha 24 cyerekanwe na banki zingufu zisangiwe gifite igiciro gito-cyiza.Bamwe mu bakoresha urubuga rwa interineti bavuze ko nyuma y’amabanki asanganywe amashanyarazi amaze kugabanuka, bateri ya terefone yabo yiyongera 30% gusa.

 

Mu rwego rwo guhangana n’izamuka ry’ibiciro, uhagarariye Xiaodian, kimwe mu bicuruzwa by’amabanki asanganywe ingufu za banki, yavuze ko iki kirango kitigeze cyongera ibiciro byacyo muri uyu mwaka kandi ko nta gihinduka rusange cy’ibiciro mu nganda.Bavuze kandi ko ibiciro bya Xiaodian bishingiye ku biciro by’isoko kandi byubahiriza amabwiriza n’amategeko agenga amasoko.

 

Ubwo yabazaga ibiciro bivuguruzanya by’amabanki asanganywe amashanyarazi hamwe na Meituan Charging na Guai Shou yishyuza serivisi z’abakiriya mu izina ry’abaguzi, serivisi y’abakiriya ba Meituan Charging yavuze ko bashyira mu bikorwa ingamba zitandukanye z’ibiciro kugira ngo bahuze n’isoko.Basuzumye amagambo yatanzwe ninganda nibitekerezo byabacuruzi muburyo bwo kugena ibiciro.Igiciro cya serivisi cyahinduwe ku isoko kandi gikurikiza byimazeyo amategeko agenga ibiciro bya Repubulika y’Ubushinwa.Abaguzi bakeneye kwitondera "amategeko yo kwishyuza" yihariye kandi bakemeza niba bashaka gukoresha serivisi ya banki y'amashanyarazi bakurikije ibyo bakeneye.

Serivisi ishinzwe abakiriya ba Guai Shou yavuze ko kubera ibintu bitandukanye ndetse n’ibiciro byo kubungabunga mu turere dutandukanye, buri duka rifite ibipimo bitandukanye byo kwishyuza.Bumvikanyweho n'abakozi bo mu karere n'abacuruzi, kimwe n "" ibiciro bitandukanye haba mu kibaya cyangwa ku musozi. "

 

Ikoranabuhanga rya Zhumang rifite ibirango bibiri, Jiedian na Soudian.Kugeza igihe cyo kwandika, Ikoranabuhanga rya Zhumang ntirigeze risubiza iperereza.

Umwe mu bayobozi ba banki y’ingufu zitamenyekana yabwiye umunyamakuru ko inganda za banki zisanganywe zafashwe bugwate n’imiyoboro, hamwe n’isoko rikabije ndetse n’ipiganwa.Inganda zatangiye gushaka abakozi no kugurisha ibikoresho, byemeza ko amafaranga yinjira neza ku bicuruzwa ariko kandi biganisha ku bibazo bijyanye n’ibiciro.Kurugero, Guai Shou Kwishyura ikora nkicyitegererezo cyo kugurisha mu buryo butaziguye, mugihe Sianoud na Xiaodian bakora nkicyitegererezo cyibigo byera.

 

CCTV yerekanye kandi muri raporo yayo ko muri rusange igiciro cy’amabanki y’ingufu cyumvikana hagati y’abakozi n’ububiko.Abakozi bishyura amafaranga yo gukodesha amabanki yingufu, kandi amaduka akeneye gusa kwishyura fagitire yumuriro wa sitasiyo.Amafaranga yanyuma asangirwa numukozi, ububiko, hamwe na platform.Ubusanzwe amaduka yakira hafi 30% yinjiza, kandi amaduka afite umuvuduko mwinshi wamaguru afite imbaraga zo guhahirana.Ihuriro ryinjiza hafi 10% yinjiza.Ibi bivuze ko niba banki yingufu igura amafaranga 10 kumasaha, urubuga rwinjiza amafaranga 1, iduka ryakira amafaranga 3, naho umukozi akabona hafi 6.Niba umukiriya yibagiwe gusubiza banki yingufu arangije akayigura, mubusanzwe iduka ryakira amafaranga 2, mugihe umukozi yakira hafi 16.

Ikibazo cyamafaranga asanganywe na banki yamashanyarazi kimaze igihe kinini gihangayikishije inzego zibishinzwe.Muri Kamena 2021, ishami ry’ibiciro, Antimonopoliya, n’ubugenzuzi bwa interineti bw’ubuyobozi bwa Leta bushinzwe kugenzura amasoko ryakoze inama y’ubuyobozi, isaba ko ibicuruzwa umunani bisanganywe ibicuruzwa birimo Meituan, Guai Shou, Xiaodian, Laidian, Jiedian, na Soudian byakosora imikorere yabo, shiraho amategeko asobanutse y'ibiciro, ushyire mu bikorwa byimazeyo ibiciro bisobanutse, kandi ugenzure imyitwarire y'ibiciro ku isoko n'imyitwarire irushanwa.Muri kiriya gihe, impuzandengo y'ibicuruzwa byari 2.2 kugeza kuri 3.3 ku isaha, hamwe na 69% kugeza 96% by'akabati yaguzwe amafaranga 3 cyangwa munsi y'isaha.Ariko, nyuma yimyaka ibiri, mugihe ibirango bikomeje gukurikiza byimazeyo ibiciro biboneye, igiciro cyamabanki yingufu zisangiwe cyazamutse cyane, gihinduka "umwicanyi".

Kuva mu ntangiriro z'uyu mwaka, uturere dutandukanye twongeye kwita ku bibazo by'abaguzi bijyanye n'imbaraga zisangiwe.banki Muri Werurwe, Inama y’abaguzi ya Shenzhen, Intara ya Guangdong yakoze iperereza ku bicuruzwa bitandukanye by’amabanki asanganywe ingufu.Iperereza ryerekanye ko kwishyuza amafaranga menshi nyuma yo gusubiza banki y’amashanyarazi ari ikibazo gikomeye cy’abaguzi.

 Twabibutsa ko nubwo ibyo birego, raporo z’ubushakashatsi mu nganda ziracyafite icyerekezo cyiza cyo kugarura isoko ry’amabanki asanganywe ingufu bitewe n’abakoresha.Raporo y’ubushakashatsi bwakozwe na "2023 Ubushinwa Bwisangije Amabanki Y’inganda Y’inganda" yasohowe na iResearch, amakuru yo mu mwaka wose wa 2022 yerekanaga imikorere y’ibidukikije, aho inganda zingana na miliyari 10.Kugeza mu 2023, hamwe n’ibikorwa by’ubukungu by’abaturage bigenda byiyongera nk’umusaruro n’imibereho, inganda zizongera kwiyongera ku isoko ry’isoko, kandi biteganijwe ko ubushobozi bw’inganda buziyongera bugera kuri miliyari 17, burenga miliyari 70 mu 2028.