11月1日起，家里没现金的最好存放6万现金，有这5个现实原因

Core Insights - The rapid adoption of mobile payment in China is leading to predictions that cash payments will gradually phase out over the next 20 years, with mobile payment transactions expected to replace cash payments entirely [1] Group 1: Mobile Payment Trends - In the first quarter of 2025, China's mobile payment transaction volume reached 107.86 billion, a year-on-year increase of 17.3%, while the transaction amount hit 132.5 trillion yuan, growing by 11.6% [1] Group 2: Cash Usage and Recommendations - A survey by the China Consumers Association revealed that 78.3% of respondents carry little to no cash, with 26.5% having less than 1,000 yuan at home, and only 8.7% possessing over 10,000 yuan in cash [3] - Financial experts recommend that households should keep 60,000 yuan in cash for various reasons, including emergency needs, special occasions, privacy protection, spending control, and disaster preparedness [3][5][9][10][14][15] Group 3: Reasons for Keeping Cash - Cash can address immediate needs when mobile payment systems fail due to factors like low battery, network issues, or system outages [5] - Certain occasions, such as giving cash gifts during holidays or weddings, still necessitate the use of cash [7] - Using cash helps protect personal privacy, as digital transactions leave a traceable record [9] - Cash allows for better control over spending, helping individuals manage their finances more effectively [10][12] - In disaster-prone areas, having cash on hand can be crucial for purchasing necessities when electronic payment systems are down [14][15]