瑞典：商户可以拒收现金

Sweden: merchant can reject cash

瑞典信息产业发达、国土面积较小，建设“无现金社会”有较好基础。目前瑞典1600多家商业银行中，已有900多家不再提供现金服务，农村地区不再保留自动取款机，商业企业拒收现金已经合法化。瑞典SWISH支付软件可实现全天候银行间转账实时到账，甚至慈善捐款和对流浪汉施舍都可实现电子交易。目前，97%的瑞典居民持有银行卡，85%的居民能够通过互联网进行支付。

瑞典2007年年均现金流通量为105亿克朗，2016年降为65亿克朗，流通中大面额现金使用数量快速下降，1000克朗现金占GDP比例从1990年近3%降为2014年0.2%左右。2016年，瑞典现金交易数量仅占所有支付的20%，远低于世界平均水平75%。2015年瑞典现金交易金额占比仅为2%，预计2020年这一比例将降至0.5%。

The information industry of Sweden is developed and the land area is small, and the construction of "cash free society" has a good foundation. At present, more than 900 of Sweden's more than 1600 commercial banks no longer provide cash services, and no longer retain automated teller machines in rural areas. Commercial enterprises refuse to receive cash, which has been legalized. Swedish SWISH payment software can achieve all - weather real - time accounts for interbank transfers, even charitable donations and vagrant handouts can achieve electronic transactions. At present, 97% of the Swedish residents have a bank card, and 85% of the residents are able to pay through the Internet.

The average annual cash flow of Sweden in 2007 was 10 billion 500 million kronor, which dropped to 6 billion 500 million kronor in 2016. The amount of cash in the circulation decreased rapidly, and the proportion of 1000 kronor in cash accounted for GDP decreased from nearly 3% in 1990 to around 0.2% in 2014. In 2016, the number of cash transactions in Sweden accounted for only 20% of all payments, far below the world average of 75%. In 2015, the amount of cash transactions in Sweden was only 2%, and it is expected to fall to 0.5% in 2020.