普惠支付：从乡村到跨境

Core Insights - Tencent's Vice President Lin Haifeng emphasizes the future of payment as being accessible anytime and anywhere, reflecting the concept of inclusive payment services that cater to diverse groups, particularly rural residents, the elderly, and foreign nationals [1][2] Group 1: Definition and Importance of Inclusive Payment - Inclusive payment is a crucial part of inclusive finance, aimed at providing affordable and convenient payment services to all social strata, especially focusing on small businesses, the elderly, and farmers [2] - The core value of inclusive payment lies in breaking the digital divide in financial services, ensuring that payment services are truly accessible to everyone [2] Group 2: Current State of Payment Services - China has established a comprehensive and efficient payment clearing system, with over 4,000 commercial banks and more than 180 non-bank payment institutions meeting the needs of 160 million business entities and countless consumers [2] - The personal bank account ownership rate in China exceeds 95%, and the mobile payment penetration rate stands at 86%, the highest globally [2] Group 3: Growth in Digital Payment - Nearly 90% of respondents use digital payments, with a steady increase in the proportion of adults using these services [3] - In rural areas, mobile payment transactions reached 33.933 billion, a year-on-year increase of 33.03%, with transaction amounts totaling 119.44 trillion yuan, up 8.98% year-on-year [3] Group 4: Enhancements for Foreign Nationals - The People's Bank of China has implemented measures to improve payment convenience for foreign nationals, including establishing airport service demonstration zones and enhancing POS systems [3] - By mid-2025, active mobile payment users among inbound visitors are expected to exceed 10 million, with transaction numbers and amounts increasing by 162% and 149% year-on-year, respectively [3] Group 5: Digital Currency and Payment Innovations - The pilot application of digital currency has expanded to 26 regions across 17 provinces, with cumulative transaction amounts reaching 9.4 trillion yuan and processing 2.56 billion transactions, reflecting a year-on-year growth of 37.9% [4] Group 6: Challenges in Inclusive Payment - Rural areas still face weak payment infrastructure, with significant issues such as limited bank branches and withdrawal difficulties reported by residents [5] - The lack of interoperability in the QR code payment market and the presence of multiple standards hinder the effective use of industry resources [6] Group 7: Future Directions for Inclusive Payment - Digital technology is expected to reshape the cost structure and service boundaries of inclusive payment, with AI-driven risk models and blockchain technology enhancing efficiency and transparency [7][8] - Future efforts should focus on optimizing service networks in remote areas, improving accessibility for special groups, and ensuring a balanced approach between innovation, safety, and inclusivity [8]