北京商报讯（记者 孟凡霞 周义力）9月24日，商务部等八部门联合印发《关于大力发展数字消费共创数 字时代美好生活的指导意见》。其中指出，提升支付便利化水平。推动重点场所开展境内支付宣传活 动，加快银行卡清算机构等与国际支付平台互联互通。加快拓展数字人民币受理覆盖面和应用场景，依 托数字人民币智能化、数字化服务优势和无障碍、适老化服务能力提升数字消费支付便利度。引导银 行、支付机构和清算机构加强合作，充分考虑老年人、外籍来华人员等群体需求，做好适老化、国际化 等服务安排，提升移动支付各环节的友好度和便利性，持续优化消费支付体验。 ...

Core Viewpoint - The 22nd China-ASEAN Expo has enhanced payment services to improve the experience for foreign guests, creating a comprehensive payment service network that ensures convenience and efficiency throughout the event [1]. Group 1: Payment Service Upgrades at Entry Points - Payment services have been upgraded at major entry points such as Nanning Wuxu International Airport and Guilin Liangjiang International Airport, providing a one-stop service center for foreign guests [2]. - The airports now feature English electronic service maps, foreign currency exchange services, and multiple ATMs supporting various currencies, including USD and EUR, to meet cash needs [2][3]. Group 2: Comprehensive Payment Support at the Venue - A payment service center and consultation desk have been established at the main venue of the expo, offering multilingual payment guides and assistance with card payments and mobile transactions [4]. - A "green channel" for payment services has been created, with a dedicated online team to respond to service requests promptly [4]. Group 3: Expanded Payment Network in Nanning - Nanning has established 106 service points for foreign guests, simplifying account opening processes and providing multilingual support [5]. - The city has 13 foreign currency exchange institutions and 386 bank branches that accept foreign currency, ensuring accessibility for international visitors [5]. Group 4: Integrated Payment Services Across Various Scenarios - Payment services are integrated into all aspects of travel, including transportation, accommodation, and shopping, enhancing the overall experience for foreign guests [6][7]. - Key tourist areas have been equipped with foreign card acceptance terminals, and hotels have upgraded their payment services to support foreign cards and provide currency exchange [7][8]. Group 5: Efficient Tax Refund Processes - Multi-language tax refund operation guides have been placed in tax refund stores and tourist attractions, facilitating a smoother refund process for foreign guests [8]. - The introduction of immediate tax refund services at designated points allows guests to receive refunds quickly, enhancing their shopping experience [8].

Core Viewpoint - The China International Fair for Trade in Services (CIFTIS) has opened in Beijing, where the Industrial and Commercial Bank of China (ICBC) Beijing Branch launched a sustainable payment service development plan focusing on enhancing payment experiences for specific groups such as the elderly and foreign visitors [1] Group 1: Accelerating Basic Services - ICBC Beijing Branch aims to enhance payment services by speeding up the coverage of payment scenarios, account opening, cash services, and foreign currency exchange [2] - Specific initiatives include accelerating the acceptance of foreign cards in key commercial areas and high-end hotels, expediting account opening processes with bilingual financial service guides, and improving cash service responsiveness [2] - The bank will ensure foreign currency exchange services for 29 currencies and cash services for over 20 currencies [2] Group 2: Strengthening Scene Ecosystem Construction - The bank focuses on enhancing payment service quality in specific scenarios such as airports, main thoroughfares, and taxi services [3] - It will improve the functionality of 150 outbound financial service centers and establish 23 demonstration service points for foreign personnel [3] - The bank is committed to making its services more accessible for the elderly by incorporating user-friendly features in its smart devices and enhancing financial support at key entry points like Daxing Airport [3] Group 3: Accelerating Future Momentum Cultivation - ICBC Beijing Branch is cultivating new payment momentum through merchant collaboration, innovative applications, cross-border services, and rights protection [4] - The bank plans to enhance support for foreign card acceptance among key merchants and promote the use of digital RMB in various sectors [4] - It will also explore online processing for key cross-border business scenarios and increase payment security knowledge among targeted groups such as students and the elderly [4]

Core Insights - The article highlights the advancements in payment convenience showcased at the 2025 Service Trade Fair, emphasizing the efforts of financial institutions to enhance payment experiences for both domestic and foreign users [1][2][3]. Group 1: Payment Innovations - WeChat Pay has optimized services for foreign visitors, allowing them to use overseas e-wallets for in-store payments and offering a 60-day fee waiver for new foreign card users [2][3]. - UnionPay introduced the "Chuangyoutong" terminal, which supports both personal communication and UnionPay cards, providing services like WiFi, translation, and maps for inbound travelers [2]. - Bank of China showcased the "Mifang Card," integrating payment, communication, and transportation services, along with a centralized tax refund model for foreign visitors [3]. Group 2: Digital Currency Engagement - The digital RMB experience zone at the fair attracted significant attention, featuring interactive activities and various promotional offers from banks, such as discounts and cash vouchers for using digital RMB [4][5]. - The digital RMB has evolved from a novelty to a widely recognized payment method, with diverse functionalities catering to different user needs and scenarios [6][7]. Group 3: Ongoing Payment Convenience Efforts - The push for payment convenience is a long-term strategy, with significant improvements noted since the release of government guidelines in March 2024, focusing on enhancing services for foreign visitors and the elderly [7][8]. - The financial sector is witnessing a competitive environment that enhances consumer payment experiences, contributing positively to overall economic activity [8]. Group 4: Future Directions - Experts suggest that the digital RMB can enhance payment efficiency and security, with potential for further innovations in smart contracts, cross-border payments, and wearable devices [8][9]. - Financial institutions are committed to innovating application scenarios for digital RMB while ensuring safety and compliance with regulatory frameworks [9].

Core Insights - The article highlights the advancements in payment convenience showcased at the 2025 Service Trade Fair, emphasizing the efforts of financial institutions to enhance payment experiences for both domestic and foreign users [1][3][11] Payment Convenience Achievements - The financial service section of the fair has become a popular topic on social media, indicating a strong interest in payment innovations [3] - Various financial institutions demonstrated new payment solutions for foreign visitors, such as Tencent's WeChat Pay, which has optimized services for foreign cardholders and introduced fee waivers for new users [4][5] - UnionPay showcased its "Chuangyoutong" terminal, which integrates multiple services for inbound travelers, enhancing their experience in China [4] - The Bank of China presented the "Mifang Card," which combines payment, communication, and transportation functionalities, along with a centralized tax refund service for foreign visitors [4] Digital Currency Initiatives - The digital yuan was a major attraction at the fair, with banks offering interactive activities and promotions to encourage adoption [6][7] - Various banks provided discounts and incentives for using digital yuan, such as cash vouchers and promotional items, which attracted many attendees [7][8] - The digital yuan's features, including instant settlement and security, position it as a favorable option for enhancing payment convenience [13] Ongoing Payment Optimization Efforts - The article notes that the push for payment convenience is a long-term strategy, with significant improvements observed since the release of government guidelines in March 2024 [11][12] - Financial institutions have focused on enhancing services for foreign visitors and the elderly, achieving notable progress in payment acceptance and user experience [11][12] - The continuous development of digital yuan applications and the integration of smart contracts are expected to further enhance payment efficiency and security [13]

Core Insights - The article highlights the efforts made by Tianjin's financial system to enhance payment services for foreign visitors in preparation for the Shanghai Cooperation Organization summit in 2025 [1][2][10] Payment Infrastructure Enhancements - Tianjin has upgraded payment environments across 80 subway stations, allowing foreign visitors to use major international cards like Visa and MasterCard for ticket purchases [2] - The city has established 20,000 merchants accepting foreign cards and 4,765 self-service devices for foreign card transactions [1] - A total of 1,570 bank branches support foreign currency exchange, with 65 points specifically for currency exchange [1] Currency Exchange Services - The People's Bank of China (PBOC) in Tianjin has set up dual currency exchange points at the Tianjin Binhai International Airport, offering services for 23 currencies [3] - Over 60 star-rated hotels and key tourist locations have been equipped with foreign currency exchange facilities [3] - A bilingual query map has been launched to help both foreign visitors and locals find currency exchange points and ATMs [3] Technological Innovations - Tianjin banks have introduced apps that support multiple languages and provide features like currency exchange and account management [4] - The city has launched electronic wallet services for visitors from Kazakhstan and Pakistan, expanding the range of payment options available [5] Mobile Payment Growth - In the first half of the year, Tianjin processed 1.11 million mobile payment transactions for foreign visitors, amounting to 140 million yuan, reflecting a year-on-year growth of 78% and 81% respectively [6] Cash Management and Accessibility - Banks in Tianjin have introduced "零钱包" (small change bags) with various denominations to facilitate cash transactions in key areas [7] - The PBOC has allocated 172 billion yuan in cash issuance funds to ensure sufficient cash availability during the summit [8] Customer Service Enhancements - Banks have established dedicated service points for foreign visitors, providing multilingual support and simplifying account opening processes [9][10] - A new simplified account opening process for foreign visitors has been implemented across 244 key bank branches in Tianjin [10]

Group 1 - The tourism market remains vibrant as summer ends, with various regions developing new services and experiences to engage diverse consumer groups [1] - A special train for senior tourists, with approximately 80% of passengers being seniors, embarked on a 5-day journey to explore the grasslands [3] - The train features senior-friendly modifications, including level floors, wider sleeping berths, and entertainment facilities such as yoga corners and massage chairs [8] Group 2 - The inbound tourism sector is thriving, with the launch of China's first provincial-level smart tourism service platform in Hangzhou, facilitating easier access for foreign tourists [11] - The service code allows for various functions, including ticket reservations and entry to attractions, with over 30 key scenic spots and 300 hotels already integrated into the platform [13] - Shenzhen is enhancing cross-border payment convenience and promoting tax refund services for departing tourists, with over 1,500 stores participating in the tax refund program [18][21]

Core Viewpoint - The introduction of the "ICBC Card Code Pass" by Industrial and Commercial Bank of China (ICBC) aims to enhance the payment experience for foreign visitors in China, particularly during the 12th World Games held in Chengdu, showcasing the bank's commitment to facilitating convenient payment solutions for international guests [1][3]. Group 1: Product Overview - The "ICBC Card Code Pass" is a prepaid payment product designed specifically for foreign visitors in China, providing a convenient payment method that addresses their unique needs [3]. - This product allows foreign visitors to obtain a physical card at designated ICBC branches or service points in the World Games Village by presenting valid identification, streamlining the process to just a few minutes [4]. Group 2: Features and Benefits - The "ICBC Card Code Pass" offers multiple advantages, including quick application, convenient payment options, privacy protection, and immediate usability upon recharge, making it a reliable choice for foreign visitors [3]. - The card supports various payment methods, including offline card insertion, contactless payments, and online QR code payments, ensuring flexibility even in locations without POS machines [4]. Group 3: Customer Support and Future Plans - ICBC provides 24/7 bilingual customer service for "ICBC Card Code Pass" users, allowing them to seek assistance anytime during their stay [4]. - The bank plans to continue innovating and expanding payment convenience through new products and services, contributing to a higher level of openness in financial services [4].

Core Viewpoint - The "ICBC Card Code Pass" is an innovative prepaid payment product launched by Industrial and Commercial Bank of China (ICBC) to enhance the payment experience for foreign visitors in China, particularly during the 12th World Games held in Chengdu [1][3][4]. Group 1: Product Overview - The "ICBC Card Code Pass" is designed specifically for foreign visitors, allowing them to easily obtain the card at designated ICBC branches or service points with valid identification [3][4]. - The product offers multiple advantages, including quick application, convenient payment options, privacy protection, and immediate usability upon recharge [4]. Group 2: Payment Experience - The card supports various payment methods, including offline card insertion, contactless payment, and online QR code scanning, ensuring flexibility even in locations without POS machines [4]. - Foreign visitors can recharge the card using their overseas bank cards that support 3DS2.0 authentication, facilitating seamless transactions within China [4]. Group 3: Customer Support and Benefits - ICBC provides 24/7 bilingual customer service for "ICBC Card Code Pass" users, ensuring assistance is readily available for any inquiries [5]. - The product also includes a range of promotional benefits to enhance the overall consumer experience for foreign tourists [5]. Group 4: Future Plans - ICBC aims to continue expanding payment convenience through innovative products and services, contributing to a higher level of openness in financial services [6].

Core Insights - The "ticket economy" is thriving, with a trend of traveling to events and performances gaining popularity during the summer season [1] - Financial institutions are innovating financial products and applications to stimulate consumer spending in line with summer tourism [1] Group 1: Financial Innovations - Local financial institutions in Jiangsu have launched a series of "financial+" services, including credit card discounts and special consumer loans, to boost summer spending [5] - A total of 24 specific measures have been introduced to enhance consumer finance products, including tailored consumer loans and installment credit cards [5] - Online platforms like Meituan have also rolled out various consumer discounts, leading to a significant increase in credit card transactions, with over 10% growth in key summer spending categories [7] Group 2: Support for Tourism Industry - Financial institutions are not only focusing on consumer demand but also providing support to cultural and tourism enterprises, including hardware upgrades for scenic spots [8] - Innovative loan products such as "rural tourism loans" and "homestay loans" have been introduced to address the seasonal nature and lack of collateral in the tourism industry, resulting in a 1.6 million yuan unsecured loan for a local homestay [14] - By the end of July, the total loan balance for the cultural and tourism industry in the province exceeded 100 billion yuan [16] Group 3: Enhanced Payment Experience - The cross-border tourism consumption market is experiencing growth, with financial institutions enhancing payment services for inbound tourists [18] - Tourists from Rwanda have noted significant improvements in payment convenience, allowing them to use their home country cards for transactions in Shanghai [18] - Data shows that the number and amount of payments made by foreign nationals using WeChat Pay in China have tripled compared to the same period last year [22]