构建安全高效的现代支付体系——《金融时报》访中国人民银行支付结算司负责人

Core Viewpoint - The payment system in China has undergone significant development during the "14th Five-Year Plan" period, establishing a modern payment infrastructure that supports economic stability and consumer convenience [2][5]. Group 1: Development Achievements - The People's Bank of China has made substantial progress in building a robust payment infrastructure, enhancing dual openness, and fostering a vibrant industry ecosystem, achieving a modern payment system that ranks among the world's best [2][3]. - The annual growth rate of payment system transactions has averaged 12.52% over the past five years, with the total transaction volume expected to exceed 12 trillion yuan in 2024 [2]. - Mobile payment transactions have increased to 1.71 times the volume of 2020, showcasing China's leadership in this sector [2]. Group 2: Market Structure - A diverse and collaborative payment market has emerged, involving clearing institutions, commercial banks, payment institutions, and industry associations working together to provide efficient payment services [3]. - The China Payment and Clearing Association plays a crucial role in maintaining fair competition and promoting high-quality development within the payment industry [3]. Group 3: Regulatory Framework - The establishment of a regulatory legal framework for the payment industry has been accelerated, with the introduction of the "Non-Bank Payment Institution Supervision Management Regulations" marking a new phase in industry development [4]. - A "zero tolerance" approach is adopted to address illegal activities in the payment sector, focusing on comprehensive risk prevention across the payment process [4]. Group 4: Service Enhancement - The payment service landscape has evolved to include various payment methods, meeting the diverse needs of consumers, with non-cash payment transactions reaching 23 trillion in volume and 22.6 trillion yuan in value during the "14th Five-Year Plan" [5]. - The rapid adoption of mobile payment has transformed consumer behavior and facilitated the growth of the digital economy, bridging the payment gap for underserved populations [5]. Group 5: Cross-Border Payment Progress - The construction of a self-controlled cross-border payment system is underway, with the CIPS facilitating cross-border RMB transactions, which are projected to reach 175 trillion yuan in 2024, reflecting a 43% year-on-year increase [6][7]. - Efforts to enhance cross-border payment interoperability have been made, including the successful connection of rapid payment systems between mainland China and Hong Kong, improving efficiency and reducing costs for cross-border transactions [7][8]. Group 6: Foreign Personnel Payment Services - Initiatives to improve payment services for foreign personnel in China have been implemented, including the ability to register for domestic mobile payment apps using foreign phone numbers and bind foreign bank cards [8]. - The establishment of payment service demonstration zones at airports has significantly enhanced the payment convenience for foreign visitors, with active mobile payment users exceeding 10 million in the first half of 2025 [8].