汪下烟：中国支付的发展变革与未来展望｜金融与科技

Core Viewpoint - The article discusses the evolution of payment systems, emphasizing that the next significant transformation will be driven by the integration of digital currencies and the digital world, with central bank digital currencies (CBDCs) playing a crucial role in this change [3][4]. Payment Evolution - Payment is fundamentally the transfer of currency, closely linked to goods and exchange needs. Historically, payment began with physical currency exchanges, evolving through various stages influenced by economic development [4][5]. - The development of payment systems in China has seen significant changes, from ancient practices to modern mobile payment systems, positioning China at the forefront of global payment innovations [4][5]. Historical Context - The evolution of payment methods can be traced from early physical currencies to modern paper money, highlighting the importance of the separation of currency ownership and transfer through instruments like promissory notes [6][7]. - The emergence of money houses and banks in China facilitated significant changes in payment systems, allowing for remote transactions and the introduction of a notification and bookkeeping model [6][7][8]. Technological Advancements - The introduction of telegraphy marked a milestone in payment systems, enabling faster communication and transaction processing, which significantly improved the efficiency of remote payments [9][10]. - The second major transformation in payment systems is characterized by the digitization of bookkeeping and the rise of information technology, which has fundamentally altered both bookkeeping and notification methods [11].