普惠支付 从乡村到跨境

Core Viewpoint - Tencent's Vice President Lin Haifeng emphasizes the importance of inclusive payment services that cater to diverse groups, including rural residents, the elderly, and foreigners, aiming for universal accessibility in payment solutions [1][3]. Group 1: Development of Inclusive Payment - Inclusive payment is a crucial part of inclusive finance, providing affordable and convenient payment services to all social strata, particularly focusing on small businesses, the elderly, and farmers [3]. - The People's Bank of China reports that over 95% of individuals have bank accounts, with a mobile payment penetration rate of 86%, the highest globally [3]. - In rural areas, mobile payment transactions reached 33.93 billion, a year-on-year increase of 33.03%, with transaction amounts growing by 8.98% to 11.944 trillion yuan [4]. Group 2: Enhancements for Foreigners - The People's Bank of China has implemented measures to improve payment convenience for foreigners, including establishing service demonstration zones at airports and enhancing POS systems in key commercial areas [4]. - By mid-2025, active mobile payment users among incoming foreigners are expected to exceed 10 million, with transaction numbers and amounts increasing by 162% and 149% year-on-year, respectively [4]. Group 3: Digital Currency and Technological Integration - The digital yuan pilot program has expanded to 26 regions, with cumulative transaction amounts reaching 9.4 trillion yuan and processing 2.56 billion transactions, marking a 37.9% increase in transaction volume year-on-year [5]. - Digital technology is reshaping the cost structure and service boundaries of inclusive payments, with AI and blockchain enhancing transaction security and efficiency [8]. Group 4: Challenges in Inclusive Payment - Rural areas still face weak payment infrastructure, with significant issues such as limited bank branches and cash withdrawal difficulties [6]. - The payment industry suffers from a lack of interoperability, with multiple standards and networks leading to inefficiencies and resource wastage [7]. - The competitive landscape is characterized by high homogeneity and short-term survival pressures, which hinder innovation and long-term growth [7]. Group 5: Future Directions - Future efforts should focus on optimizing service networks in remote areas, enhancing accessibility for special groups, and ensuring a balanced approach between innovation, security, and inclusivity [9]. - Regulatory bodies need to improve rules for fair competition, while payment institutions should prioritize service to the real economy, fostering a healthy payment ecosystem [9].