支付“容”世界 服务惠民生

Core Viewpoint - The payment environment in China is becoming increasingly convenient, which is essential for stimulating consumer demand and supporting economic growth [1] Group 1: Payment Convenience for Foreign Tourists - Foreign tourists can now use their international cards directly for payments, eliminating the need to exchange large amounts of cash at airports [3] - Alipay's collaboration with American Express has expanded its "bind foreign card" service to cover seven major international card brands, achieving near-complete global coverage [3] - UnionPay's "Jinxiu Action 2025" has facilitated direct connections for 213 offline aggregation codes with foreign wallets, leading to a 103% increase in transaction volume and a 31% increase in transaction value for foreign card usage year-on-year [3] Group 2: Payment Solutions for the Elderly - The aging population in China necessitates improved payment solutions for the elderly, which is a significant aspect of consumer welfare [4] - Financial institutions have introduced various services tailored to the elderly, such as the "零钱包" (small change wallet), with 1.586 million issued in Chongqing alone by Q3 this year [4] - The introduction of "senior mode" in mobile banking apps aims to bridge the digital divide for older adults, reflecting a shift towards more inclusive financial services [4] Group 3: Policy Support for Payment Facilitation - The People's Bank of China and other departments have issued guidelines to enhance payment services for the elderly and foreign visitors, emphasizing the importance of payment convenience in boosting consumption [2] - Recent policies have further integrated payment facilitation with other services like visa and communication, highlighting a strategic approach to improving the payment environment for foreigners [2] Group 4: Broader Economic Implications - The advancements in payment convenience for both foreign tourists and the elderly are seen as vital for unlocking consumer spending and enhancing economic vitality [5][6] - Efforts to improve rural payment infrastructure and adapt payment systems to local needs are also underway, indicating a comprehensive approach to payment facilitation across different demographics [5]