中国支付清算协会，最新发声！

Core Viewpoint - The China Payment and Clearing Association has issued an initiative to promote the healthy and standardized development of the mobile payment market, emphasizing fair competition and consumer protection [1][2]. Group 1: Four Aspects of the Initiative - Encourage payment innovation by urging market participants to increase investment in innovation while complying with laws and regulations, optimizing mobile payment products and services to better meet consumer and merchant needs [3]. - Maintain fair competition by adhering to the Anti-Unfair Competition Law and promoting equal cooperation among market participants, avoiding practices that restrict the display of other legitimate payment products [3]. - Promote interoperability by encouraging market participants to engage in barcode payment interoperability and to open up acceptance networks and various scenarios, contributing to a unified domestic market [3]. - Strengthen risk prevention by utilizing technologies such as big data and artificial intelligence to enhance risk management and prevent illegal transactions [4]. Group 2: Development of Electronic Payment Regulation - The electronic payment sector in China has seen significant growth, with regulatory policies continuously optimized to support market operation, meet public needs, and assist the real economy [5]. - A comprehensive regulatory framework for electronic payment has been established, covering service providers, accounts, payment tools, and central bank payment systems [5]. - The regulatory system focuses on external audits, internal controls, and risk management, including anti-money laundering, data protection, and operational risk management [6].