2025普惠金融报告｜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][4]. 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 [4]. - The People's Bank of China (PBOC) highlights the need for diverse payment service channels, including optimizing bank accounts and digital currency services to ensure broad coverage and differentiation [4][5]. - As of now, over 95% of individuals in China have bank accounts, with a mobile payment penetration rate of 86%, the highest globally [4]. Group 2: Growth in Digital Payment - The report indicates that nearly 90% of respondents use digital payments, with a steady increase in the proportion of adults using these services [5]. - 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 [5]. - The PBOC has implemented measures to enhance payment convenience for foreigners, resulting in a significant increase in mobile payment usage among inbound visitors, with active users exceeding 10 million and transaction numbers and amounts growing by 162% and 149% respectively [5]. Group 3: Digital Currency and Technological Advancements - The digital yuan pilot program has expanded to 26 regions, with total transaction amounts reaching 9.4 trillion yuan and transaction counts increasing by 37.9% year-on-year [6]. - The integration of smart contract technology in digital payments enhances traceability, addressing consumer concerns and supporting inclusive payment initiatives [6]. Group 4: Challenges in Inclusive Payment - Despite progress, challenges remain, particularly in rural areas where payment infrastructure is still lacking, with issues such as limited bank branches and withdrawal difficulties reported [7]. - The lack of interoperability in the payment industry is a structural barrier, with high market concentration and insufficient collaboration among platforms hindering resource efficiency [7][8]. - The payment market faces sustainability issues, with high competition leading to a focus on short-term survival over long-term innovation [8]. Group 5: Future Directions for Inclusive Payment - Analysts suggest that digitalization will reshape the cost structure and service boundaries of inclusive payments, with technologies like AI, cloud computing, and blockchain offering new solutions [9]. - The report emphasizes the need for continuous optimization of service networks, particularly in remote areas, and improving services for vulnerable groups such as the elderly and disabled [10]. - A collaborative effort is required to create a healthy payment ecosystem, balancing innovation, security, and inclusivity to achieve the ultimate goal of making payments accessible for all [11].