跨境支付：从“赚手续费”到“带企业闯全球”｜2025中国经济年报

Core Insights - Since 2025, China's cross-border trade and personnel exchanges have significantly increased, providing strong momentum for the development of cross-border payments [2] - The cross-border payment industry is undergoing transformation, moving away from a single funding channel model towards diversified scenarios, full-chain services, and global layouts [2][3] Group 1: Cross-Border Payment Trends - The cross-border payment sector is evolving to meet the diverse needs of trade scenarios, compliance requirements, and service demands, supported by regulatory frameworks and technological advancements [3] - The infrastructure for cross-border payments is continuously improving, enhancing the ability to support real-time transactions and reducing settlement times from hours or days to seconds [11][12] - The integration of different countries' QR code payment networks is facilitating cross-border transactions, with significant partnerships established in various regions [12][13] Group 2: Consumer Behavior and Payment Methods - In retail, foreign consumers are increasingly using mobile payment methods, with a notable percentage opting for Alipay and WeChat Pay [8][9] - The demand for cross-border consumption is driving innovation in payment services, moving beyond large corporate transactions to include small personal purchases [9] Group 3: Industry Adaptation and Services - Cross-border payment services are transitioning from being mere financial intermediaries to becoming comprehensive partners for businesses venturing abroad, focusing on market research, resource matching, and financial management [15] - Companies are launching products that support multiple currencies and streamline the payment process, reducing operational costs and risks for cross-border businesses [16] - The challenges posed by varying payment environments in different markets are being addressed through unified payment solutions that simplify technical integration and support brand expansion [17] Group 4: Regulatory and Compliance Landscape - Regulatory changes are providing essential support for the diversification of payment scenarios, with new policies aimed at simplifying processes and clarifying standards [14] - Companies are actively acquiring payment licenses globally to enhance compliance and operational capabilities, with significant expansions in various regions [18]