SHENZHEN, Oketopa [XX] — I te wā i takiuru ai tētahi kaihoko taonga takaro o Guangzhou e tohunga ana ki ngā taonga kohikohi ki tana pūkete PayPal i te tīmatanga o te tau 2025, ka tūtaki te kamupene ki tētahi āhuatanga moemoeā: 320,000 o ngā moni whiwhi kua whakatiotia me te kore whakatūpato i mua. Ko ngā moni—i tohua mō ngā hoko rauemi mata i mua i te wā hararei nui—i noho kore e taea te uru atu mō ngā rā 72 i te wā e tirotirohia ana e te tūāpapa "ngā takahi kaupapa here pea." E whakaatu ana tēnei āhuatanga i tētahi raruraru e tipu haere ana i roto i te rāngai kaweake taonga takaro o Haina: he pikinga o ngā whakatio utu tuatoru i whakararu i te 2.8 piriona o ngā tauwhitinga i te haurua tuatahi o te tau 2025, e ai ki te China Toy & Juvenile Products Association (CTJPA). I te mea e whakakaha ana ngā tūāpapa utu o te ao i te tirotiro i waenga i ngā ture ārai-whakamakuku moni (AML) me te whakahaere mōrearea e whakahaerehia ana e te rauropi, kei te ngana ngā kaihoko ki te whakamahi i ngā rautaki hou hei tiaki i tā rātou rere moni.
Te Mate Urutā Hukapapa: Ngā Take me te Tauine o te Raruraru
I ahu mai te ngaru aukati utu o te tau 2025 i te tupuhi tino pai o te whakakaha o ngā ture me te whakakorenga hangarau. Kua whakatinanahia e ngā kaiwhakarato utu o te ao pēnei i a PayPal, Stripe, me Alipay+ ngā mana whakahaere mōrearea kaha ake i muri i ngā aratohu a te Financial Action Task Force (FATF) kua whakahoutia i te mutunga o te tau 2024, e whakahau ana i te aroturukitanga tauwhitinga pakari ake me te whakanui ake i te tirotiro tika mō te tauhokohoko whakawhiti-rohe.
Kua tino uaua ngā mākete o Ūropi i muri i te whānui haere o te Rohe Utu Kotahi o te Euro (SEPA) ki te whakauru i a Makerōnia ki te Raki me Moldova i te Oketopa 2025, i te wā i whakaroahia ai te tono a Serbia nā te āwangawanga o te EU mō tana anga AML. Nā tēnei wehewehenga ture i akiaki ngā papaaho utu ki te whakamahi i te huarahi "hara tae noa ki te whakamātauhia he harakore", me te tohu pinepine i ngā tauwhitinga taonga takaro nā te nui o te rahinga, ngā rerekētanga o te wā, me ngā hononga ki ngā taonga rūpahu i ētahi wā.
"Kei te whakamahi ngā tūāpapa i ngā pūnaha e ārahihia ana e te AI e tohu ana i ngā tauwhitinga i runga i ngā rau taurangi, engari he maha ngā wā ka hē te whakarōpūtanga a ēnei rauropi i ngā kaweake taonga takaro tika hei mea mōrearea nui," te whakamārama a Michael Chen, te kaiwhakahaere whakahaere mōrearea i XTransfer, he kaiwhakarato otinga utu whakawhiti-rohe. "Kua kite mātou i te pikinga 217% o ngā keehi aukati e pā ana ki ngā kaweake taonga takaro Hainamana i te tau 2025, me ngā wā whakataunga toharite mai i te 14 rā i te tau 2023 ki te 47 rā inaianei."
Kei te whai wāhi atu hoki ngā whatunga utu ā-rohe ki te pēhanga. I kōrero te peeke pokapū o Haina i whakakorea e UnionPay me NetUnion te 25 o ngā kaihokohoko kāore i tutuki i ngā whakaritenga i ngā marama tuatahi e waru o te tau 2025, i whakatio i ā rātou moni me te rārangi pango i a rātou mai i ngā whakawhitiwhitinga a meake nei. Ahakoa he take tutuki ture te nuinga o ngā pakihi i pāngia, e whakatau ana ngā kaitōrangapū o te umanga he 15-20% o ngā whakatio he tohu teka, he mea kino rawa atu i roto i te rāngai taonga takaro i reira e 60% o ngā moni whiwhi ā-tau ka puta i te hararei o te hauwhā tuatoru ki te hauwhā tuawhā.
Ngā Mōrearea Motuhake mō te Mākete me ngā Take Matua
He rerekē rawa te pānga o te aukati i ngā utu puta noa i ngā whenua kaweake, ā, ka hangaia he āhuatanga mōrearea uaua mō ngā kaihokohoko taonga takaro Hainamana.
I Amerika Te Raki, e mimiti ana i te 38% o ngā taonga tākaro kaweake o Haina, nā te whakakotahitanga o ngā ture tiaki kaihoko pakari me te kimi tinihanga kaha kua piki ake te 189% o ngā "whakatārewatanga e pā ana ki te utu whakahoki." I kitea e te kaihanga taonga tākaro papai o Yiwu te $180,000 i whakatarewahia i muri i te kī a tetahi kaihoko o Amerika "kāore i tukuna" ahakoa ngā taunakitanga aroturuki. I tukuna ngā moni i muri i tētahi tukanga whakatau utu nui i roa mō te 63 rā, i akiaki i te kamupene ki te whakaroa i te hanga mō tana raina Kirihimete.
He rerekē ngā wero kei ngā mākete Pākehā i raro i ngā ture hou a te SEPA. E ai ki ngā kaihoko kaweake, ko ngā tauwhitinga neke atu i te €15,000 kei mua i ngā arotake aunoa, ā, 12% o ngā utu ka herea ki ngā pupuri roa. I aukatia te €240,000 e tētahi kamupene Shenzhen e kaweake ana i ngā taonga tākaro mātauranga ki Tiamana i te marama o Poutū-te-rangi 2025 i te wā i tohua ai e ngā rauropi tūāpapa he "tauira tauwhitinga rerekē"—nō muri mai ka kiia he pikinga o ngā ota ā-wā mō āna kete tauira tainasoa rongonui.
Kāore he piringa e tukuna ana e ngā mākete hou. I te Tonga-mā-rāwhiti o Āhia, te wāhi e kitea whānuitia ai ngā huarahi hokohoko kore ōkawa, kua piki ake ngā aukati utu mā te 230% ia tau, he maha ngā wā i puta mai i ngā tuhinga koretake. I ngaro te urunga atu o tētahi kaihoko ki tāwāhi o Guangdong ki te $95,000 i te marama o Mei 2025 i muri i te whakamahinga a tētahi hoa o Mareia i tētahi pūkete whaiaro kaua ki tētahi pūkete pakihi mō te utu, ā, i puta ai ngā tohu AML.
Ko ngā take pea e pā ana ki ngā tautohe mō ngā taonga hinengaro te mea tino āwangawanga. I te marama o Āperira 2025, i hopukina e ngā tari tāke o Shanghai he 1,800 ngā taonga rūpahu "POP MART" e haere ana ki Belgium. Ahakoa i pāngia te kaihokohoko e ngā whiu ture, e ai ki ngā puna ahumahi he maha ngā pakihi tika e whakamahi ana i ngā momo hua rite i pāngia e te aukati i ngā taonga tāpiri i te mea kua whakawhānuihia e ngā papaaho ā rātou tawhā mōrearea.
Ngā Whakautu Rautaki: Te Hanga i tētahi Pūnaha Parepare Maha-Papa
I te aroaro o tēnei raruraru e piki haere ana, kei te whakamahi ngā kaihokohoko taonga takaro matua i ngā rautaki whānui e whakakotahi ana i ngā mahi ārai mate, ngā hongere utu kanorau, me te tutuki i ngā whakaritenga.
Te Whakawhānui i ngā Utu: Te Whakaiti i te Whakawhirinakitanga ki te Pūhara
Kei te neke atu ngā kamupene whakaaro whakamua i te whakawhirinaki ki te tūāpapa kotahi ki te hanga i ngā putea utu kanorau. "Ināianei ka wehea e mātou ngā utu ki roto i ngā hongere e toru: 40% mā roto i ngā reta nama tuku iho, 35% mā roto i ngā kaiwhakarato utu B2B motuhake, me te 25% mā roto i ngā tūāpapa nui," te kī a Zhang Wei, te kaiwhakahaere kaweake i Alpha Group. "Nā tēnei huarahi i whakaiti i tō mātou whiwhinga i te wā i aukatia ai e PayPal tētahi o ā mātou pūkete i te marama o Pēpuere."
Kei te piki haere te rongonui o ngā otinga auaha pēnei i te "piriti moni" o te moni matihiko o Haina. I te marama o Ākuhata 2025, i whakahaerehia e te peka o Shunde o te Peeke o Haina tētahi tauwhitinga nui mā te whakamahi i te pūnaha utu whakawhiti-rohe e hangai ana ki te poraka mekameka, e āhei ai ngā whakawhiti tika, ka taea te whai i waenga i ngā peeke pokapū e whai wāhi ana. "I whakaitihia e te piriti moni ā mātou utu tauwhitinga mā te 18%, ā, i whakakorea ngā mōrearea aukati mō aua utu," te kī a tētahi kaiwhakahaere pūtea i tētahi kaihanga taonga takaro o Foshan.
Mō ngā mākete o Ūropi, kei te piki haere te whakamahi a ngā kaihokohoko i ngā āheinga utu inamata a SEPA i whakaurua mai i te tau 2024, e āhei ai ngā whakawhiti 10-hēkona me te mārama katoa, e whakaiti nui ana i ngā tūponotanga o te aukati.
Te Whakapai Ake i te Whakatutukitanga: Te Tuhituhi me te Aroturukitanga Tika
Kei te nui te haumi a ngā kaihokohoko ki te whakapakari i ngā tikanga ture hei ārai i ngā here. Ko ngā mahi pai rawa atu ko:
- Ngā tukanga KYC (Mōhio ki tō Kaihoko) kua whakarei ake me te manatoko i ngā raihana pakihi a ngā kaihoko me ngā tuhinga taake
- Ngā tuhinga taipitopito mō ngā tauwhitinga tae atu ki ngā nama pro forma, ngā whakaaturanga tuku, me ngā tiwhikete whakamanatanga IP
- Whakaurunga aroturuki-wā-tūturu hei whakarato taunakitanga tuku kore e taea te whakahē
- Te whakangungu kaimahi auau mō ngā kaupapa here tūāpapa e whanake haere ana me ngā whakaritenga AML o te ao
"We"Inaianei kei te pupuri i tētahi kōpaki ture mō ia tauwhitinga ka tū pakari i tētahi arotake ture," te whakamārama a Li Jia o HobbyMax. "I te wā i tohua ai tētahi o ā mātou utu i te marama o Hune, i whakaratohia e mātou te kete tuhinga, ā, i tukuna ngā moni i roto i ngā hāora 48, kaua i ngā wiki."
Te Whakamahere Āhuatanga me ngā Rautaki Whakaora
Ahakoa ngā mahi ārai, ka puta tonu ngā hukapapa, ā, he mea nui ngā rautaki whakaora whai hua. Ko ngā huarahi angitu ko:
- Te whakatū hononga tika ki ngā tīma whakahaere mōrearea o te papaaho, kaua ki te whakawhirinaki anake ki ngā pūnaha aunoa
- Te hoko inihua nama hokohoko e kapi ana i ngā moni kua tio (e tukuna ana inaianei e Sinosure me te 20% o te tangohanga i waenga i ngā kaihokohoko taonga takaro i te tau 2025)
- Te mahi tahi me ngā umanga ture motuhake e mōhio ana ki ngā tukanga whakatau tautohe i runga i ngā papaaho utu
- Kia mau tonu te moni rahui e rite ana ki te 15-20% o te rahinga kaweake o ia marama hei whakakī i ngā āputa moni
Kua whakarewahia hoki e te CTJPA tētahi "Raina Ratonga mō te Raru Utu" i te tau 2025, hei āwhina i ngā kamupene mema 127 ki te whakahoki mai i te $43 miriona i roto i ngā moni kua tiohia mā roto i ngā whiriwhiringa tūāpapa me te tautoko ture.
Te Tirohanga ā-Mārama: Te Urutau ki tētahi Whenua Mōrearea Tuturu
E matapaetia ana e ngā tohunga ahumahi ka kaha ake te tirotiro i ngā utu, ā, ka noho ko te whakakotahitanga o ngā ture ā-ao me te aroturukitanga e whakahaerehia ana e te AI hei āhuatanga pumau o te hokohoko whakawhiti-rohe. "Kua mutu te wā o ngā utu tuatoru kore-pānga mō ngā kaweake taonga takaro," te kī a Sarah Lee o Euromonitor. "Ko te oranga tonutanga me whakaaro ki te whakahaere mōrearea utu hei pūkenga matua, kaua hei whakaaro noa iho."
I te tirohanga whakamua, ko ngā kaihokohoko tino pakari ko te hunga e haumi ana ki:
- Ngā whakaurunga API i waenga i ā rātou pūnaha ERP me ngā tūāpapa utu mō te aroturukitanga mōrearea wā-tūturu
- Ngā otinga mekameka tuku e hangai ana ki te poraka mekameka e whakarato ana i ngā rekoata tauwhitinga pumau
- Ngā hononga rautaki me ngā kaituku ā-rohe i ngā mākete matua hei whakahaere i te tukatuka utu ā-rohe
- Te whai wāhi atu ki ngā kaupapa utu maha-taha pēnei i tepiriti monihei whakaiti i te whakawhirinaki ki ngā papaaho tūmataiti
E ai ki tētahi kaihoko ki tāwāhi: "Kua hurihia e mātou tā mātou huarahi mai i te 'tumanako kāore he aukati' ki te 'whakamahere mō te wā e puta ai.' He mamae te raruraru o te tau 2025, engari kei te akiaki i tā mātou umanga ki te hanga i ngā hanganga utu pakari ake mō te wā roa."
I te mea kua tae mai ngā ota mō te wā hararei, kei te whakamahi ngā kaihokohoko taonga takaro Hainamana i ēnei akoranga uaua hei tiaki i ā rātou moni whiwhi. Mō tētahi umanga e hangai ana ki te kawe mai i te harikoa ki ngā tamariki puta noa i te ao, kua waiho te mōhio ki ngā uauatanga o ngā utunga ā-ao hei wāhanga ohorere engari he mea nui o te mahi pakihi i te tau 2025.
Wā tuku: Hepetema-22-2025
