Do you think cash will be completely replaced?

Objectively, with the advancement of technology, it is only a matter of time before cash will be replaced, just as *** currency will be replaced by paper money. Money is used for trading, as long as someone accepts it, Coke bottle caps, Lego bricks can become currency. So objectively, it is only a matter of time before a more convenient, reliable, and secure "currency" emerges to replace the existing monetary system.

The current misconception that "non-cash payments will completely replace cash" is actually a misconception. To be precise, it should be that non-cash payment instruments will replace part of the payment function of cash, thereby reducing the demand for cash in circulation, and it is not the existence of alternative currency.

Cash is the most secure means of payment, and it is also the most effective and reliable disaster recovery tool for cashless payments. The trade-off between convenience and security is an important criterion for choosing a payment instrument.

Cash cannot be completely replaced, because it is the legal tender of the People's Republic of China and is an unshakable position.

The Regulations of the People's Republic of China on the Administration of Renminbi clearly stipulate that the legal tender of the People's Republic of China is Renminbi; No unit or individual may refuse to accept all public and private debts within the territory of the People's Republic of China in renminbi payment.

Cash will be the safest emergency payment for the public; In the event of natural disasters, systemic risks or financial crises, cash remains the most effective and reliable disaster recovery tool and emergency response to ensure national financial security and social stability.

The rapid development of non-cash payments has led to a weakening of the role of cash payments. Despite this, the basic characteristics of cash have not changed.

Cash is the lubricant of economic operation, and cash payment in China mainly occurs in the deposit and withdrawal of personal savings in banks, the payment of small consumption by residents, and the purchase of agricultural and sideline products in rural areas.

The development of non-cash payment instruments has met the diversified needs of public payment and accelerated the speed of currency circulation, but it is not directly related to the base currency issued by ** banks.

Cash has the legal status guaranteed by the laws of the country. Cash is a public good provided by the state for the public, and the national law and national credit guarantee its legal status, ensuring that cash can be generally accepted and used by the public.

There is a fundamental difference between money and a payment instrument. The ability to pay is a key measure of money. Although non-cash payment instruments can fulfill payment functions, only the currency issued by the **bank can be called legal tender.

Cash transactions can be used to transfer rights and obligations, liabilities and risks instantly, with few payment failures and credit risks, and can be used anytime, anywhere.

Cash is a guarantee of credit.

[Chinese]: Cash.

Concept: Cash is a general medium of exchange, but also a general measure of other assets, accounting for cash has a narrow sense and a broad sense. Cash in the narrow sense refers only to cash on hand, that is, cash held in corporate vaults, including banknotes and coins that people often come into contact with.

Cash in a broad sense includes three parts: cash on hand, bank deposits, and other monetary funds.

Foreign name]: cash

China]: Sprouted in the Xia Dynasty.

Originated from]: Yin Shang.

Developed in]: Eastern Zhou.

Provisions]: Provisions, fixed amounts, petty cash for sporadic expenditures. According to the provisions of China's bank settlement system, the settlement payment between enterprises should be handled through the bank in a unified manner, and it is forbidden to settle in cash. But it is obviously unrealistic to use bank settlement for every dollar.

In order to facilitate sporadic expenditures, a reserve fund system has been set up for various departments of the enterprise.

The amount of the reserve is fixed, and the implementation of the first to receive and then report, after the actual reimbursement, and at the same time according to the actual expenditure of the full amount of the reserve, this method is also known as the fixed amount of prepayment method. In China's accounting, the reserve is generally regarded as other receivables, not as cash.

Scope of application]:

1.Pay individual employees' salaries, bonuses and allowances.

2.Pay employees' pensions, funeral subsidies, various labor insurance, welfare, and other expenses to individuals stipulated by the state.

3.Payment of remuneration for personal services.

4.According to the provisions of the state, science and technology, culture and art, sports and other bonuses are issued to individuals.

5.Payment of the price for the purchase of agricultural and sideline products and other materials from individuals.

6.Travel expenses that must be carried with them by the traveler.

7.Sporadic expenses below the settlement threshold (1,000 yuan).

8.Other expenditures determined by the People's Bank of China to require cash payments.

There are pros and cons to cash and non-cash payments, and mobile payments are growing rapidly, and paper money is being used less and less frequently. But cash can be seen and touched, does not depend on any medium, simple and convenient, "those who have cash can settle here." On the afternoon of December 13, at a convenience store near Jianguo Road in Chaoyang District, Beijing, the cashier kept greeting customers queuing up to check out.

Zhang Ming's workplace is not far from the convenience store, and he often comes here to buy things. He said that every day when the meal arrived, there were many customers, and the checkout queue was very long. "Nowadays, many people like to pay with mobile phones, and the cashier needs to scan the code one by one, and it is slower than using cash when there are more people.

That's when you can see itAdvantages of cashYes, I generally chooseCash payment, it will be much faster

In daily life, spending "money" is a very common thing, although "sweeping" and "brushing" are developing faster and faster, but there are still many people who are used to spending "money" when buying things to pay. "16 pieces? Give you 21, find me 5 pieces.

At a vegetable selling spot in Dongzhimen Street, Dongcheng District, Beijing, Aunt Hao came to buy vegetables as usual, and she was used to spending cash on things to buy things, and she brought enough change every time, "In fact, as long as you bring several pieces of 1 or 5 yuan of change, it is still very convenient to buy vegetables and settle the bill." ”

There are pros and cons to cash and non-cash payments. Dong Ximiao, a senior researcher at the Chongyang Institute for Financial Studies at Renmin University of Chinese, believes that cash does not depend on any medium, unlike the POS machine that needs to be used for credit card and the network for mobile phone payment, cash is easier and more convenient to use. In reality, there are still many people who rely on cash payments, and cash payments will continue to be an important payment method for some middle-aged and elderly people, as well as consumers in rural or remote areas.

At the same time, it is undeniable that cash does have its disadvantages compared with non-cash payment in terms of printing, transportation, storage, etc.

Moreover, elderly people like Aunt Hao, as well as some people who are not familiar with new technology, feel that the operation method of mobile payment is still very complicated, compared to the traditional cash that can be seen and touched, but the change in account numbers makes them feel insecure.

The amount of cash in circulation has increased rather than decreased, and cash and non-cash payments are not mutually exclusive. It is illegal to refuse to accept RMB cash, depending on which payment method consumers are willing to acceptNon-cash payment has become the first choice for many people. Still, cash is indispensable!

Electronic payment has become common, cash is not "popular", the new version of the RMB has come, is it necessary?

I think it's possible, because electronic payments are very convenient for people and reduce the possibility of loss.

It will be completely replaced, and there should still be a stage.

I don't think that's possible at all, and even though electronic payments are now prevalent, not everyone is using them.

I think that cash should probably be replaced by 50 percent, and some people are still willing to spend it.

I think it will be a long, long time before it is completely replaced, after all, there are still many places that need cash.

No, cash has its own unique value and function, and it will not be replaced.

Probably not. Because many places do require cash.

I think it depends on the individual, and some people still don't.

Paper currency has been eliminated, the use of cash in the future will seem out of place, RMB should be the last paper RMB, the future should be digital currency, now some places of paper currency no longer have purchasing power (the more developed the more obvious the place), cash has died. ​

Now that more and more young people are reusing cash, they may realize the inconvenience of using mobile phones to pay for mobile. For example, when the mobile phone is out of battery, it is possible that you will not be able to buy what you want to buy, so you will carry some cash with you. There are also some young people who feel that mobile phone payment is restricting them, forcing them to carry their mobile phone every time they go out, and they don't like this payment method.

In addition, some young people's income is not very high, if you use mobile phone to pay, you will feel that you will not lose money, and you will not be able to use cash, and you will feel very sorry for every penny you spend.

Some people are more extravagant when they spend money, because they are all swiping credit cards or paying directly with ***, and they don't feel how much money they spend at all. For example, after visiting the supermarket, I feel like I didn't buy anything, but I spent more than 100 yuan. It's just a short-lived feeling, because after all, if you can't see the white bills, you won't be touched by the heart.

The 1 million on the bank card will give people a different feeling than the 1 million in real life. Some people may feel that there is a lot of money in their bank card, but they will not think badly. If you really see the red 1 million banknotes placed there in real life, no one will not be moved.

Many young people are talking about spending money like water, and they are gradually realizing it, so they will change their lifestyle. Recently, young people have also stepped into the society, realizing that it is not easy to make money, they will not be so wanton, and they will spend as little money as possible. Some young people also prefer to travel, and there may be no Internet or poor network signal in remote areas, so it is more convenient to use cash.

There are also cases where your phone is lost or has problems, so it's a good idea to bring some cash.

Now that there are many places, the digital yuan may replace cash, and will also replace other forms of pure payment, and will become a mainstream payment method.

Nowadays, for the vast majority of people, our payment method is mobile payment, either WeChat or Alipay. The digital era has brought us great convenience, WeChat and Alipay have become the mainstream of payment, but now more and more young people are using cash payment? What does this mean is wrong with erections?

Young people pay in cash.

Mobile payment has not yet been launched, and cash payment is the mainstream of payment and the main way for people to pay. With the rise of the e-commerce era, third-party payment platforms have also taken advantage of the rise of surplus belts, which do have certain advantages over cash payment, and are more convenient in short.

You don't need to bring a wallet when you go out, you can complete the payment with a scan of your mobile phone, which saves both buyers and sellers. On the other hand, it also saves the cost of printing money, and also avoids the spread of eggplant bacteria. People have also become accustomed to using mobile payments, and according to people's words, the probability of picking up money on the road is extremely low.

Because everyone thinks that if you use cash, people will have a feeling of wanting to save money, and if you pay with a bank card or mobile phone, you will spend money like running water, which means that everyone Senchai's economy is relatively tight.

Probably because they have no money. Means that young people have no savings. They are very impulsive. I don't know how to manage my money.

Probably because they don't have enough deposits. In addition, the Internet is very developed, and there are many people who can transfer the money in their mobile phones by stealing their own information. It shows that now Duan Hejian's network is very scary.

Have it? The young people here still use mobile phones to pay, and I haven't seen anyone who uses cash.

Reasons not to like mobile payments.

Is it that they don't know how to pay with their phones? This answer is clearly incorrect. How is it possible that young people, as the pillars of the country, will not use their mobile phones to pay. As for these young people, there are several main reasons why they pay in cash:

I like to spend ahead of time.

The first reason is advanced consumption. The popularity of mobile payment has made online shopping a lot more convenient, and a dazzling array of goods has made many people want to buy, but the monthly income cannot reach the purchasing power, so they will pay in installments, and slowly form a habit of advanced consumption, after all, the mobile phone will be paid, and there is no concept of Kai Spine, at the end of the year, the money Sun Mo has not been saved, and the installment still owes a lot of money, so many people began to pay in cash, and if they can't afford it, they won't buy it, control their desire to consume, and avoid spending in advance.

Good habits of frugality.

The second reason is to develop the habit of frugality. The first is to pay in cash, with less for every little you spend, and then gone when you run out. Unlike mobile phone payments, money is just a number, and there is no feeling when it is spent.

Then the state infiltration is to go to the bank to withdraw the cash when it runs out, and it is too much to withdraw at one time, I am afraid that it will not be put well, lost, and it will be too fast, and it will be very troublesome to come and go. In this way, there is moderation in spending money, and it is convenient to develop a good habit of frugality.

Avoid being blacklisted.

The third reason is to avoid credit blacklists. At present, many physical items can be bought online, many people have no resistance in the face of luxury, but their own consumption level can not afford it, so they started the idea of borrowing, the early stage is to enjoy, but when it comes to the repayment date, many people can't afford to pay it back, so it affects personal credit, and has an impact on loans such as buying houses and cars. If you pay in cash, you will have restrictions on shopping, so as to avoid running to buy luxury goods beyond your spending power because of a momentary brain fever, which will affect your personal credit information.