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Mobile phone payments have seen wide usage in China in recent years.
近幾年，手機(jī)支付用戶(hù)增加。
With it, you can buy all sorts of things, from ice-creams in supermarkets to wealth management products.
用戶(hù)的商品選擇多種多樣，從超市冰淇淋到理財(cái)產(chǎn)品。
But this week, as some of us might have anticipated, one of the largest payment platforms WeChat, owned by Tencent, announced it will start charging users for transferring money out of their accounts
但本周，據(jù)最大移動(dòng)支付平臺(tái)之一騰訊微信宣布，轉(zhuǎn)賬功能將收取手續(xù)費(fèi)，許多人或許對(duì)此早有預(yù)料。
Starting from March, after the first 1,000 yuan, users will be charged 0.1 percent of the amount they transfer out of their WeChat accounts into their banks.
從今年3月起，超過(guò)1000元部分將按每筆金額的0.1%收取手續(xù)費(fèi)。
And the minimum charge for each transfer will be 0.1 yuan.
每筆至少收取0.1元。
The previous scheme in which users were charged once their total transfer exceeds 20,000 yuan within a month has been scrapped.
之前，每月轉(zhuǎn)賬金額超2萬(wàn)元收費(fèi)規(guī)定取消。
What’s the thinking behind Tencent’s move?
騰訊此舉用意何在？
Charging fees can discourage WeChat users from taking money out of their accounts, leaving Tencent with more funds to invest in lucrative wealth management products.
通過(guò)收費(fèi)，微信用戶(hù)將不愿提現(xiàn)，此舉將擴(kuò)大沉淀資金池，投資利潤(rùn)頗豐的金融管理產(chǎn)品。
Tencent has never announced how much money users transfer out of their WeChat or how much it pays banks for the transfers.
至于用戶(hù)的提現(xiàn)金額，以及承擔(dān)的銀行費(fèi)用，騰訊從未有所說(shuō)明。
A Tencent executive has said payments to banks for transfers cost the company 190 million yuan per month.
某騰訊高管表示，騰訊為銀行提現(xiàn)承擔(dān)的費(fèi)用為每月1.9億元。
But several bank employees have told Caixin that amount was exaggerated.
但許多銀行業(yè)內(nèi)人士對(duì)財(cái)新表示，該數(shù)字夸大其詞。
Indeed, small banks for instance, reduce or even waive the fees since Tencent’s deposits are usually quite large.
由于騰訊的資金沉淀力，許多小銀行減免提現(xiàn)費(fèi)。
Another employee at an e-bank unit said, charging users for transfer itself can be a source of profit, since Tencent’s rates are higher than most banks which charge Tencent 0.07 percent for transfers.
某網(wǎng)上銀行雇員表示，收取轉(zhuǎn)賬費(fèi)本身就是利潤(rùn)來(lái)源，騰訊的費(fèi)率要高于多數(shù)銀行的0.07%。
Considering WeChat already has 420 million users, who apparently sent out 8.1 billion virtual hongbao on the eve of Spring Festival, the idea doesn’t seem too bad.
除夕夜，4.2億微信用戶(hù)的紅包交易量為8.1億元，收費(fèi)是個(gè)不錯(cuò)選擇。
Of course, Tencent has been dabbling in wealth management products for a few years now, offering them to users at annualized returns between 2.5 to 5 percent.
當(dāng)然，微信近幾年也在不斷“試水”理財(cái)產(chǎn)品，用戶(hù)的年中回饋也在2.5-5%之間。
Tencent has been competing with Alibaba’s Alipay to get users to link their accounts to bank cards.
在銀行卡方面，騰訊與阿里巴巴展開(kāi)了“搶人”大戰(zhàn)。
And just as it announces new fees, it faces a new competitor in Apple, which has just launched its own mobile payments in China today.
就在宣布收費(fèi)之時(shí)，Apple Pay手機(jī)支付登陸中國(guó)。
But it may be an uphill battle for Apple too.
但對(duì)于蘋(píng)果來(lái)說(shuō)，這也是一場(chǎng)硬仗。
Greater China is Apple’s second-largest market by revenue and Apple has enlisted 80 percent of Chinese credit and debit cards for Apple Pay.
從收益來(lái)看，大中華區(qū)是蘋(píng)果的第二大市場(chǎng)，Apple Pay也涵蓋了國(guó)內(nèi)80%的信用卡和借記卡。
But the vast majority still relies on WeChat and Alipay for e-payments.
但對(duì)于電子支付，大多數(shù)人還是依賴(lài)微信和支付寶。
Furthermore, Apple Pay is limited to iPhone users.
此外，蘋(píng)果支持只限蘋(píng)果手機(jī)用戶(hù)。
Many analysts say, for Apple to win over customers, it needs to offer applications with significantly better experience.
許多分析人士指出，若想贏得“人氣”，蘋(píng)果需要提供更加完美的支付應(yīng)用。
譯文屬可可英語(yǔ)原創(chuàng)，未經(jīng)允許，不得轉(zhuǎn)載。
