美国金融服务网站银率网发布的数据显示，美国信用卡的年利率已经达到20.4%，这是该网站记录的历史最高水平。银率网发布的调查数据显示，46%的美国人背负信用卡债务，高于一年前的39%。这就很有意思了，在海外论坛，美国网友问，中国是否如此落后以至于他们甚至不使用和不了解信用卡？我们看看各国网友的回答。
美国网友罗伯特•凡罗格斯的回答
Vazeha (questioner), do you claim to be an expert on China issues? Do you still believe that you are a financial expert? It seems that you still need to learn a lot.
瓦泽哈（提问者），你自称是中国问题专家？你还自信认为自己是一名金融专家？看来你还需要学很多东西。
In fact, China is several light years ahead of all Western countries in terms of finance. They have crossed the credit card and charged directly to the bank account (using the QR code). Now it is a cashless society. In addition, they are using their own national digital currency eYuan to enter the next generation of financial payment stage, which will help to establish an alternative global trade credit system using digital platforms.
事实上，中国在金融方面领先所有西方国家几光年。他们越过了信用卡，直接向银行账户收费（使用二维码），现在是一个无现金社会。此外，他们正在使用自己的国家数字化货币eYuan（数字人民币）进入下一代金融支付阶段，这将有助于使用数字化平台建立替代的全球贸易信贷系统。
At the same time, Western countries have fallen into the dilemma of excessive issuance of credit cards and are unable to move forward.
与此同时，西方国家陷入了信用卡滥发的困境，无法向前发展。
Just think with common sense: for Western commercial banks, this is a multi billion dollar cash cow industry. Why should they abandon such a lucrative business and instead enter digital business? This world will definitely limit the high interest rates and fees they earn now, and the banking system has been doing its best to maintain the status quo. Unfortunately, this system is harming those who are least able to afford economic debt - the working class has become accustomed to using credit card debt to supplement today"s increasing cost of living.
只要用常识来思考一下：对于西方商业银行来说，这是一个价值数十亿美元的摇钱树行业，他们为什么要放弃这样一个利润丰厚的业务，转而进入数字化业务，这个世界肯定会限制他们现在赚取的高利贷利率和收费，银行系统一直在竭尽全力维持现状。不幸的是，这一制度正在伤害那些最无力负担经济负债的人——工人阶级已经习惯于使用信用卡债务来补充今天不断增加的生活成本。
海外网友丽萨的回答
Oh my goodness, a question like this is so foolish, arrogant, ignorant, and without common sense, it really surprises me. It is obvious that the person asking such a question is either just a instigator or has never set foot in China! If that"s the case, we must feel a certain degree of pity towards them.
天哪，像这样的问题是如此愚蠢、傲慢、无知和没有常识，真的让我大吃一惊。很明显，问这样问题的人要么只是一个煽动者，要么从未涉足中国！如果是这样的话，我们必须对他们感到一定程度的怜悯。
Let me tell you, China is not a backward country, it is one of the most advanced countries in the world. Last night, I talked to my Chinese friends in Australia about their domestic currency system. They told me that paper currency is no longer used in China. Instead, everything is paid through their mobile phone"s "WeChat" account. They said, "You just need to click, it will scan the product and make the payment! But what if I cross the border from Vietnam? They replied, "Then you need a loaded card that you can click on to pay in RMB.". Then I asked, but what about the poor? How can they afford a phone? They say that everyone in China can afford a mobile phone.
让我告诉你，中国不是一个落后的国家，它是世界上最先进的国家之一。昨晚，我在澳大利亚与中国朋友谈论了他们国内的货币体系，他们告诉我，纸币在中国不再使用，相反，所有东西都是通过他们手机上的“微信”支付的，他们说，你只需点击，它就会扫描产品并支付！但如果我从越南越过边境怎么办？他们回答说，那么你需要有一张加载的卡，你可以点击它以人民币支付。然后我问，但穷人呢？他们怎么买得起电话？他们说在中国每个人都买得起手机。
Perhaps our Western countries are lagging behind!
也许是我们西方国家落后了！
新加坡网友Kochi Lim的回答
Let me help you and others understand China.
让我帮助你和其他人了解一下中国。
Due to many reasons, China has developed from a country with a GDP equivalent to Zambia to the world"s economy with the highest real value of purchasing power parity.
由于许多原因，中国从一个GDP相当于赞比亚的国家发展成为世界上购买力平价实际价值最大的经济体。
He achieved a technological leap. For example, China has transitioned from no communication to smartphones that bypass land lines and computers. It goes from petty cash to cashless society, bypasses banks and credit cards, and avoids paying commissions!
他实现了技术跨越。比如中国从没有通信跨越到绕过陆地线路和计算机的智能手机。它从小额现金跨越到无现金社会，绕过了银行、信用卡，避免支付佣金！
Nowadays, China"s manufacturing industry uses the most automation and robots. China alone has deployed more robots than other countries in the world. It has transitioned from manual labor to complete automation, leaving the factory workshop to robots. This is why China has emerged from the middle-income trap. And it has increased the actual income of Chinese people by 30 times within 40 years.
如今，中国制造业使用的自动化和机器人最多。仅中国一国就部署了比世界其他国家组装的更多机器人。它从手工劳动跨越到了完全自动化，将工厂的车间留给了机器人。这就是中国没有陷入中等收入陷阱的原因。并使中国人的实际收入在40年内增长了30倍。
China"s transportation has gone from a steam engine to a high-speed train with a speed of 400 kilometers per hour. Nowadays, China"s high-speed railway is 12000 kilometers long, nearly twice orbiting the Earth! This high-speed railway line is even longer than the world combined.
中国的交通运输从蒸汽机跨越到了时速400公里的高速列车。如今，中国的高铁长达1.2万公里，接近两次绕地球运行！这条高速铁路线比全世界加起来还要长。
So I hope I can let you know that China is not as backward as you have slandered, and now China is so brilliant!
所以我希望我能让你知道，中国并非如你所诋毁的那样，是如此落后，现在的中国是如此辉煌！
海外网友肯尼•储的回答
This world is not as you imagine, it is a world with two ways of doing business. Half of the world chooses one way, the other half chooses another way.
这个世界并不像你想象的那样，这是一个有两种商业方式的世界。世界的一半选择一种方式，另一半选择另一种方式。
In the West, led by the United States, there is a business system based on extracting wealth.
在西方，以美国为首的是一个以榨取财富为基础的商业体系。
People work hard. The government has seized some of the labor achievements in the form of taxes, fees, provisions, penalties, and regulations. There is another layer of exploitation costs below this layer. These are bank transfer fees, interest, and debt default fines, as well as all relevant rules that must be followed when using the system. Under this system, there is an organizational system that extracts costs, controls prices, and squeezes profits. This enterprise system has its own charging standards and income statement.
人们辛勤劳动。政府以税收、费用、条款、处罚和条例的形式攫取了部分劳动成果。在这一层下面还有另一层被剥削的费用。这些是银行转账费、利息和债务违约罚款以及使用该系统必须遵守的所有相关规则。在这个体系之下，是一个组织体系，他们提取着费用，管制着价格，压榨着利润。这个企业体系，它们有自己的收费标准和利润表。
For a worker, to work and earn money, their remuneration needs to go through the so-called wealth extraction system above, and the rest belongs to the worker.
对于一个工人来说，去劳动和赚钱，其所得报酬都需要经过以上所谓的财富提取系统，剩下的才归工人所有。
In the East, led by China, there is a commercial system based on ownership.
在东方，以中国为首的是一个以所有制为基础的商业体系。
If a person earns money through labor, the money will be electronically converted into an amount, and the worker can receive the majority of the value. No government, individual, entity, or organization can extract income from this value. This is illegal.
如果一个人通过劳动赚钱，那么这些钱会以电子方式转换成一个数额，并且工人可以获得该价值的大部分金额。任何政府、个人、实体或组织都无法从该价值中抽走收入。这是违法的。
But what about this problem? Why does China not abuse "credit cards"?
但是这个问题呢？为什么中国不滥用“信用卡”？
Credit cards are made in the West as a means of extracting wealth. Instead of using the money they earn, a person applies for a card from a bank and then borrows it.
信用卡是西方制造的，是榨取财富的手段，一个人没有使用他们赚来的钱，而是从银行办卡，然后从银行借用。
Don"t use credit cards like Americans do
别像美国人那样用信用卡
Joseph Kirschke, an American freelance writer residing in China, said that for a long time, Chinese people have maintained a savings oriented consumption habit due to various historical and cultural reasons. With the development of the economy, China has begun to encourage people to use credit cards to change traditional consumption habits. In China, the issuance volume of credit cards is 2 billion, which is more than three times that of 2006.
旅居中国的美籍自由撰稿人约瑟夫·科尔什科(Joseph Kirschke)说：长期以来，由于各种历史及文化原因，中国人一直保持储蓄型的消费习惯。随着经济的发展，中国开始鼓励人们使用信用卡，以改变传统的消费习惯。在中国，信用卡的发卡量为20亿，这一数据是2006年的3倍以上。
Cash is the main consumption mode in this ancient country, and compared to other countries, Chinese households spend over 40% of their income on savings, making it difficult to foresee the huge and long-term negative consequences of using credit cards. If they want to know the consequences, they can look at the United States.
现金是这个古老国家的主要消费方式，与其他国家相比，中国家庭把收入的40%以上用于存款，似乎难以预见到使用信用卡会带来的巨大而长期的不良后果。如果想知道后果，他们可以看看美国。
In 2001, the United States became the world"s largest creditor country. In the past eight years, the United States has engaged in two wars and formulated several costly policies, with the Bush administration increasing the country"s debt to $4 trillion. Under the foam like growth, credit cards were used more and more until they lost control. With the excessive expansion of the real estate economy, Americans are gradually realizing that their income has decreased as the cost of living has skyrocketed.
在2001年，美国成为世界上最大的债权国。八年来，美国进行了两场战争，制定了数项耗资巨大的政策，布什政府将国家的债务增加到4万亿美元。在泡沫式的增长之下，信用卡被使用得越来越多，直至失去控制。随着房地产经济的过度膨胀，美国人逐渐发现，随着生活成本的激增，他们的收入降低了。
Subsequently, the employment situation was affected, and people still felt that they could survive on plastic cards in their hands. Afterwards, interest
