Core Viewpoint - The launch of the "Cross-Border Payment Link" aims to enhance the efficiency and security of cross-border payments between mainland China and Hong Kong, responding to the growing demand for seamless financial transactions as economic ties strengthen [1][2]. Group 1: Launch and Implementation - The "Cross-Border Payment Link" was officially launched on June 22, with participation from major banks in both mainland China and Hong Kong, including Agricultural Bank of China, Bank of China, and HSBC [1][2]. - Agricultural Bank of China will pilot the service in Shenzhen starting June 22, with plans to expand to Guangdong and Hainan in July, and eventually nationwide [2]. Group 2: Advantages and Features - The new payment system offers real-time transactions, lower costs, and greater convenience compared to traditional cross-border remittance methods [2][3]. - Key applications include "southbound remittance" from mainland residents to Hong Kong accounts and "northbound remittance" from Hong Kong residents to mainland accounts, with options for currency selection [2]. Group 3: Economic Impact - The introduction of the "Cross-Border Payment Link" is expected to enhance the flow of economic factors between the two regions, solidifying Hong Kong's role as a global offshore RMB business hub [3]. - The initiative is anticipated to promote trade and personnel exchanges, contributing to the high-level opening of the financial sector and reinforcing Hong Kong's status as an international financial center [3][4]. Group 4: Future Developments - Banks involved in the initiative plan to innovate continuously to meet the cross-border payment needs of residents, supporting economic activities and personnel exchanges between mainland China and Hong Kong [3][4]. - The expected growth in cross-border payment business is prompting banks to explore more services and promotional activities to expand their customer base in the Greater Bay Area [4].

目前，南向便利化汇款业务支持持有中国境内居民身份证、军人身份证件和武装警察身份证件的境内居 民个人从内地参与银行账户汇出至香港参与机构账户，北向便利化汇款业务支持持有香港身份证的香港 居民个人从香港参与机构账户汇入至内地参与银行账户。 首批参与跨境支付通的内地机构包括工商银行、农业银行、中国银行、建设银行、交通银行、招商银 行；香港机构包括中银香港、东亚银行、建银亚洲、恒生银行、汇丰银行、工银亚洲，后续将逐步扩大 参与范围。两地居民只需在手机银行"跨境支付通"功能模块，输入手机号码或组合输入户名和收款账号 便可进行跨境汇款，同时还可根据需要灵活选择到账币种为人民币或港币。 （文章来源：人民日报） 6月22日，在中国人民银行和香港金融管理局共同推动下，跨境支付通正式上线，标志着内地与香港快 速支付系统已实现互联互通，今后两地居民可实时办理跨境汇款。当日，全国首笔跨境支付通内地居民 南向、港人北向汇款业务落地深圳。 "以前我给在香港读书的女儿汇钱，需要先将人民币兑换成港币，汇出后至少要等半天才能到账。现在 使用跨境支付通，不仅可以直接使用人民币汇款，还能实现资金实时到账，操作起来十分便捷。"深圳 市民房女士说。当 ...

Core Viewpoint - The launch of the Cross-Border Payment Link on June 22 marks the realization of interconnectivity between the mainland and Hong Kong's rapid payment systems, allowing residents to conduct real-time cross-border remittances [1] Group 1: Cross-Border Payment Link - The Cross-Border Payment Link enables residents to make cross-border remittances by simply entering a phone number or a combination of account name and number in the mobile banking app [1] - Initial participating mainland institutions include major banks such as ICBC, ABC, Bank of China, and others, while Hong Kong institutions include Bank of China (Hong Kong), HSBC, and others, with plans to gradually expand participation [1] Group 2: Economic and Financial Impact - The cross-border payment system is expected to enhance the safety, efficiency, and convenience of payment services for economic activities and personnel exchanges between Shenzhen and Hong Kong [2] - In 2024, the total cross-border receipts and payments between Shenzhen and Hong Kong are projected to reach 617.8 million transactions, amounting to approximately 95.37 billion USD, with real-time settlement available for USD, HKD, and RMB [1] - The initiative supports the integration of the Guangdong-Hong Kong-Macao Greater Bay Area and contributes to the development of Hong Kong as an international financial center [2]

首批参与跨境支付通的内地机构和香港机构各包括六家银行。其中，内地机构包括工、农、中、建、交 五家国有大行以及招商银行；香港机构包括中银香港、工银亚洲、建银亚洲、汇丰银行、恒生银行、东 亚银行。业内人士表示，参与机构可根据市场交易主体类别、交易特征、业务场景等，从风险防控角度 合理确定各类业务的单笔或累计交易限额。后续参与机构范围也将逐步扩大。 《中国经营报》记者从中国银行方面了解到，跨境支付通主要应用于三类跨境汇款业务场景：一是境内 居民个人汇出至香港地区银行账户的"南向便利化汇款业务"，可选择人民币汇出、人民币或港币到账。 二是香港居民个人汇入至内地银行账户的"北向便利化汇款业务"，可选择港币或人民币发起、人民币到 账。三是个人与机构间的"双向跨境人民币支付业务"，如留学缴费、公共事业缴费、就医、薪资和补贴 发放等，可选择双边本币或双边人民币汇款。与现有传统跨境汇款相比，跨境支付通具有实时到账、价 格优惠、操作便利等优势。 中国人民银行、香港金融管理局于6月20日发布联合公告称，共同推动并支持由中国人民银行清算总中 心和香港银行同业结算有限公司开展跨境支付通。 金诚同达律师事务所合伙人律师、国际公认反洗钱专 ...

跨境支付通是指将中国内地快速支付系统与其他货币当局的快速支付系统连接，制定配套政策 安排，为中国内地居民与境外居民间提供高效、便捷、安全的跨境支付服务。快速支付系统是 为用户快速支付进行清结算的零售类金融基础设施，与传统支付系统相比，其具有运行时间长 以及收款人资金实时到账的特点。 作 者丨曹媛 编 辑丨孙超逸 跨境支付通今日上线运行，全国首笔业务落地深圳。 视频编辑：张迎 6月22日，在中国人民银行和香港金融管理局共同推动下，跨境支付通正式上线， 标志着内地 与香港快速支付系统已实现互联互通，今后两地居民可实时办理跨境汇款 。 南方财经记者获悉，今日， 全国首笔跨境支付通内地居民南向、港人北向汇款业务落地深圳 。 近年来，深圳也推出了跨境代理见证开户、"外包内用"和"外卡内绑"等支付方式。截至2025年 5月，香港居民在深开立银行账户超321万户，其中跨境代理见证开户超41万户、累计交易近 351亿元，占大湾区九成。 人民银行深圳市分行有关负责人表示，"深圳作为跨境支付通的转换中心所在地，发挥了金融 基础设施的重要作用。刚刚上线的跨境支付通，为深港经贸活动与人员往来提供了更加安全、 高效、便捷的支付服务，有 ...

Group 1 - The People's Bank of China has made significant progress in cross-border RMB payments by signing agreements with multiple foreign institutions to facilitate the use of RMB in cross-border transactions [1] - The CIPS system now has 1,683 participants, with 174 direct participants and 72% of them being foreign direct participants, indicating a strong international engagement [1] - The inclusion of foreign banks such as the African Export-Import Bank and Abu Dhabi First Bank marks the first time CIPS has direct foreign participants from Africa, the Middle East, Central Asia, and Singapore [1] Group 2 - CIPS has launched its international letter of credit service, enhancing cross-border financial services and improving efficiency in international trade settlements [2] - The CIPS system has processed over 675 trillion RMB in various payment transactions since its launch, with a compound annual growth rate of 35% in transaction volume and 30% in transaction value from 2022 to 2024 [2] - CIPS is actively promoting collaboration between Chinese and foreign banks to support Chinese enterprises in their international expansion efforts [2]

【环球网财经综合报道】6月20日，中国人民银行，香港金融管理局联合发布公告，双方共同推动并支持由中国人民银行清算总中心和香港银行同业结算有 限公司开展内地与香港快速支付系统互联互通合作，即"跨境支付通"。 | | | | 中国人民银行 THE PEOPLE'S BANK OF CHINA | | | | | | | | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | | 信息公开 | 新闻发布 | 法律法规 | 货币政策 | 宏观审慎 | 信贷政策 | 金融市场 | 金融稳定 | 调查统计 | 银 | | | 金融科技 | 人民币 | 经理国库 | 国际交往 | 人员招录 | 学术交流 | 征信管理 | 反洗钱 | 党 | | 服务互动 | 政务公开 | 政策解读 | 公告信息 | 图文直播 | 央行研究 | 音频视频 | 市场动态 | 网上展厅 | 报 | | | 网送文告 Company of Chicago a Pro a Pro 219 Life rogen af L L L L . Pres . L . mann | 办事大厅 ...

Core Points - The launch of the cross-border payment system between mainland China and Hong Kong marks a significant innovation in financial connectivity, allowing residents to easily conduct cross-border remittances and payments via mobile phones [1][2][3] - The system aims to enhance the efficiency and experience of cross-border payments, facilitating trade and personal transactions between the two regions, while promoting the use of the Renminbi in cross-border transactions [2][4] Group 1 - The cross-border payment system enables residents to make small remittances and pay for daily expenses instantly by simply entering the recipient's mobile number [3][5] - The People's Bank of China and the Hong Kong Monetary Authority have collaborated to establish this system, which is seen as a milestone in deepening financial cooperation between the two regions [2][7] - Initial participating institutions include major banks from both mainland China and Hong Kong, with plans to gradually expand the range of participating entities [4][5] Group 2 - The system significantly shortens the cross-border remittance process, improving efficiency and reducing costs by minimizing intermediaries [5][6] - It supports various financial services, including tuition payments, medical fees, and salary disbursements, enhancing convenience for residents [4][5] - The launch of the cross-border payment system is part of a broader trend of increasing financial market connectivity between mainland China and Hong Kong, which includes initiatives like Stock Connect and Bond Connect [7]

Core Points - The Cross-Border Payment Link will launch on June 22, 2025, with six banks from both Mainland China and Hong Kong participating as the first batch of banks [1][6] - This initiative marks a significant milestone in the interconnectivity of the financial markets between Mainland China and Hong Kong, aiming to enhance payment efficiency and service levels [2][4] Group 1: Overview of Cross-Border Payment Link - The Cross-Border Payment Link connects the Mainland online payment interbank clearing system with Hong Kong's Fast Payment System, providing real-time cross-border payment services for residents of both regions [1][4] - It supports convenient remittance services in RMB and HKD for various scenarios, including salary payments, tuition fees, and medical expenses [4][5] Group 2: Participating Banks - The first batch of participating banks includes major institutions such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and several banks from Hong Kong like Bank of China (Hong Kong) and HSBC [6][11] Group 3: Benefits and Features - The Cross-Border Payment Link is designed for small-value transactions, allowing residents to make remittances without submitting business background information [5] - It aims to facilitate cross-border economic activities and enhance Hong Kong's competitive advantage as an international financial center [4][5] Group 4: Bank Responses and Services - Banks like Bank of China (Hong Kong) and HSBC are set to offer seamless cross-border payment services with no transaction fees, enhancing customer experience [11][12] - The service will allow real-time transactions, significantly improving the speed and efficiency of cross-border payments for both individuals and businesses [12][13]

20日，在北京举行的跨境支付通启动仪式上，中国人民银行行长潘功胜介绍，跨境支付通以内地与香港 货币当局基础设施直接互联的方式，为内地与香港居民提供线上快速的双边本币及双边人民币的汇款服 务，将进一步提升跨境支付的效率和体验，为香港发展注入新的活力，也将进一步促进人民币跨境使 用，推动高水平对外开放。 2024年8月，中国人民银行与香港金融管理局签署了关于开展内地和香港跨境支付互联互通的谅解备忘 录，为内地与香港合作奠定了方向。10个多月后，跨境支付通顺利推出。 香港金融管理局总裁余伟文说，金融基建互联就像道路基建互联一样，能够联通内地与香港，便利经贸 活动和人员往来，加深经济融合。这有利于巩固提升香港国际金融中心和离岸人民币中心的地位，也代 表了香港快速支付系统在拓展跨境支付方面取得坚实成果。 记者20日从中国人民银行获悉，跨境支付通将于6月22日正式上线。在跨境支付通的支持下，只需要一 个电话号码，内地和香港居民可随时随地跨境转账，资金实时到账。 记者了解到，通过内地网上支付跨行清算系统与香港快速支付系统"转数快"直接连接，跨境支付通支持 用户通过参与机构的手机银行、网上银行等渠道，依托手机号码、银行账户等 ...