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China’s consumers are by no means the wealthiest in the world. But they are years ahead of their counterparts in many developed economies in terms of how they shop and pay for what they buy. In this, they are revolutionising the way consumer finance is conducted in the world’s second-biggest economy. 中国消费者无论如何也算不上全世界最富有的群体。但在如何购物和如何支付方面，他们比很多发达国家的消费者超前很多年。在这方面，他们正在彻底改变消费金融在中国这个世界第二大经济体的操作方式。 Like so many of the changes sweeping China, the uptake of internet and digital technologies has happened with head-spinning speed. 像很多席卷中国的变化一样，互联网和数字化技术以令人头晕目眩的速度迅速兴起。 As recently as 2000, a mere 1.7 per cent of mainland Chinese were online. Now, the country has more than 700m internet users – a penetration rate of more than 50 per cent. 就在2000年，中国内地还仅有1.7%的人上网。如今，中国有超过7亿互联网用户——网络普及率超过50%。 | 
