What does non-inductive credit mean?

The so-called contactless payment means that credit is not required during consumption. Bank credit refers to funds provided directly by commercial banks to non-financial institutional customers, or guarantees made by customers for compensation and payment responsibilities that may arise in relevant economic activities, including loans, trade financing, bill financing, financial leases, overdrafts, Various on-balance sheet businesses such as advances, as well as bill acceptance, issuance of letters of credit, letters of guarantee, standby letters of credit, confirmations of letters of credit, bond issuance guarantees, loan guarantees, sales of assets with recourse, and unused irrevocable Loan commitments and other off-balance sheet businesses.

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Bank credit refers to the funds directly provided by commercial banks to non-financial institutional customers, or the guarantee made by customers for compensation and payment responsibilities that may arise in relevant economic activities. , including loans, trade financing, bill financing, financial leases, overdrafts, various advances and other on-balance sheet businesses, as well as bill acceptance, issuance of letters of credit, letters of guarantee, standby letters of credit, confirmations of letters of credit, bond issuance guarantees, and loan guarantees , asset sales with recourse, unused irrevocable loan commitments and other off-balance sheet businesses.

Secondly, the application space of sensorless payment is vast. Although it is currently mainly used in license plate recognition, sensorless payment still has application value in other fields, such as medical care, cash withdrawals, unmanned supermarkets, etc., and Can be widely used. For example, in the medical field, the difficulty of seeing a doctor is also a major challenge faced by modern people. If contactless payment enters this field, it can easily solve the problem of lack of effective guidance in the medical treatment process. Under the trend of new retail and unmanned supermarkets, the intervention of touchless payment can bring consumers a different shopping experience.

Although contactless payment has many advantages, it still has limitations. For example, the current senseless payment is only used in license plate recognition. It cannot be promoted in other fields for the time being, and its coverage is relatively narrow. At present, many problems such as security issues and popularization issues of contactless payment still cannot be effectively solved.

In addition, the launch of contactless payment is both an opportunity and a challenge for platforms such as WeChat, Alipay, and JD.com. At present, the most common and simple one is mobile payment based on Alipay, WeChat and other platforms, and sensorless payment is obviously simpler than them. Although sensorless payment can only be used in some areas and fields, it will still be used to a certain extent. It has impacted WeChat and Alipay. After all, there is an easier way to pay for gas, parking fees, and highway tolls.