陆磊表示，跨境二维码统一网关上线试运行后，可支持符合条件的市场机构接入开展跨境二维码支付业 务。未来央行将指导产业各方继续推进跨境支付互联互通，巩固和畅通中国连通全球的资金网络和渠 道，推动构建更加开放高效的支付服务。 中国社科院金融所支付清算研究中心主任杨涛：统一网关，一方面使得未来要开展跨境的二维码支付的 各类机构，各种的业务模式减少对接成本。另一方面使得业务对接进一步标准化，来提高未来给老百 姓、给相关的一些钱包持有人，提供服务的能力。 [ 责编：袁晴 ] 昨天，第十四届中国支付清算论坛在北京召开，论坛上，中国人民银行相关负责人宣布，跨境二维码统 一网关已于7月底上线试运行，未来央行将推动构建更加开放高效的境内二维码支付网络。 ...

陆磊表示，近年来，经过产业各方不懈努力，支付服务实体经济质效进一步提升，行业治理持续深入， 金融基础设施支撑有力，高水平开放不断推进，现代支付体系建设取得新成效。推动支付互联互通是实 现支付产业高质量发展的必要途径。继今年6月内地与香港快速支付系统实现互联互通后，7月底，跨境 二维码统一网关上线试运行。统一网关坚持公共性、包容性、普惠性原则，支持符合条件的市场机构接 入开展跨境二维码支付业务。人民银行将指导产业各方继续推进跨境支付互联互通，进一步畅通连通全 球的资金网络和渠道，推动构建更加开放安全高效的境内二维码支付网络，通过行业自律和市场化手段 促进形成多元发展、良性竞争的市场环境。 新华财经北京9月16日电 2025年9月16日，中国人民银行党委委员、副行长陆磊出席第十四届中国支付 清算论坛并讲话。 陆磊指出，全球科技创新加快迭代。支付产业要加快推动科技创新，全面提升支付数字化水平，以技术 创新巩固领先优势。同时，要统筹安全与发展，牢牢守住安全底线。产业各方应坚持守正创新，让创新 在合规的轨道上推进，以发展的成果夯实安全的基础，形成支付产业高质量发展的坚实底色。 （文章来源：新华财经） ...

Core Viewpoint - The launch of the Cross-Border QR Code Unified Gateway aims to enhance cross-border payment efficiency and standardization, addressing existing issues in the payment infrastructure [1][4][5]. Group 1: Unified Gateway Overview - The Unified Gateway is a cross-border payment infrastructure developed under the guidance of the People's Bank of China, allowing domestic and foreign institutions to collaborate through a single interface [1][4]. - Prior to the Unified Gateway, cross-border payments faced challenges such as inconsistent standards and inefficient "pairwise connections" between institutions, which hindered the overall effectiveness of China's payment industry [1][4]. - Since its trial operation began in late July, the Unified Gateway has processed 1.981 million transactions amounting to 427 million yuan by September 11 [1]. Group 2: Benefits and Changes - The Unified Gateway supports real-time processing of transaction information, significantly improving the efficiency and user experience of cross-border payments [2][7]. - It reduces the system connection costs for institutions and minimizes resource waste from multiple system upgrades [4][6]. - The establishment of a unified standard for foreign wallet institutions enhances the efficiency of wallet integration and promotes fair competition in the cross-border payment market [4][6]. Group 3: Participation and Expansion - Institutions eligible to connect to the Unified Gateway include wallet institutions, acquiring institutions, and financial infrastructures, which must meet specific criteria to participate [6]. - The Unified Gateway has already partnered with several domestic and international institutions, including China UnionPay and various wallet providers across Southeast Asia [6]. - Future plans include expanding the range of participating institutions and enhancing cross-border payment connectivity [6]. Group 4: User Experience and Security - The Unified Gateway allows for various transaction types, including both "merchant scanning" and "user scanning" modes, ensuring a seamless user experience [7]. - The system is designed to be secure, adhering to international standards for risk prevention and operational safety, including compliance with KYC and anti-money laundering regulations [8]. - It features a multi-center deployment strategy to ensure high availability and resilience against system failures [8].

Group 1 - The core viewpoint highlights the significant increase in cross-border travel and tourism activity in Shanghai and the border areas, driven by the summer travel season and the implementation of convenient payment systems [1][3][5] - Since July 1, the daily average number of inbound and outbound travelers at Shanghai port reached 129,000, a year-on-year increase of over 14%, with a peak of 157,000 on August 9, marking the highest single-day record for the year [1][3] - The domestic and international tourism market is experiencing a surge, with family trips and educational tours contributing to the increased passenger flow, as evidenced by over 1.58 million outbound travelers checked at Shanghai airports by August 10, accounting for 67.7% of total outbound travelers [3] Group 2 - The implementation of the cross-border payment interconnectivity between China and Vietnam has facilitated a significant rise in tourist traffic at the Hekou port, with a total of 996,000 inbound and outbound travelers recorded, representing an 8.2% year-on-year increase [4][7] - The introduction of digital payment solutions has eliminated barriers for cross-border transactions, enhancing the consumption of cultural and tourism services [5][7] - To accommodate the growing number of travelers, the Hekou border inspection station has introduced various facilitation measures, including a self-service entry card filling system and online pre-declaration channels for cross-border tour groups [7]

Core Insights - Malaysia is a key node in the Belt and Road Initiative, with China being its largest trading partner for 16 consecutive years, highlighting the strong economic ties between the two countries [1] - The collaboration in the digital economy between China and Malaysia is increasingly being realized, particularly through the cross-border payment connectivity facilitated by the Network Clearing Company [1] - The cross-border payment model innovated by the Network Clearing Company enhances the efficiency and quality of cross-border retail payment cooperation between the two nations [1] Group 1 - In 2024, Malaysia's transaction volume in China through the Network Clearing platform reached over 14.75 million transactions, amounting to nearly 2.8 billion yuan, with both figures increasing by over three times year-on-year [2] - Major cities such as Shanghai, Beijing, and Guangzhou have become popular destinations for Malaysian visitors, reflecting the growing trend of cross-border transactions [2] - The Network Clearing Company has significantly improved payment convenience for foreign visitors, serving over 212 million people and facilitating transactions exceeding 30 billion yuan in 2024, marking increases of 2.8 times and 3.4 times respectively [2] Group 2 - Moving forward, the Network Clearing Company aims to leverage market demand to drive business innovation and enhance service quality in cross-border payments [3] - The company plans to expand its acceptance environment and diversify online and offline payment scenarios to provide safer and more efficient services [3] - The goal is to ensure that the benefits of cross-border payment cooperation reach a broader audience globally, contributing to the sustainable development of cross-border payment connectivity [3]

Core Viewpoint - The ongoing efforts to establish a cross-border payment system between mainland China and Hong Kong are progressing, with initial services expected to launch mid-2025, focusing on personal remittances before expanding to merchant payments [2][7]. Group 1: Payment System Development - The People's Bank of China and the Hong Kong Monetary Authority are actively promoting the interconnection of the Internet Banking Payment System (IBPS) and the Faster Payment System (FPS) [2][3]. - The FPS in Hong Kong has seen significant growth, with 16% year-on-year increase in registered users, reaching 16 million by January 2025, and an average daily transaction volume of 148 billion HKD, up 27% year-on-year [3][5]. Group 2: Cross-Border Remittance Challenges - High failure rates for remittances from mainland residents to Hong Kong have been reported, with some banks indicating a 70% failure rate for first-time overseas remittances [4][8]. - The initial phase of the cross-border payment system will primarily facilitate person-to-person transfers, with plans to gradually expand to include merchant payments [8][9]. Group 3: Regulatory Framework and Future Prospects - The regulatory framework includes annual and daily limits for Hong Kong residents sending money to mainland China, with a total annual limit of 200,000 HKD and a daily limit of 10,000 HKD [9]. - Future expansions may consider connecting the interconnection system to other regions, enhancing Hong Kong's position as an offshore RMB payment settlement center and potentially linking with ASEAN and Middle Eastern markets [10].

Group 1 - The People's Bank of China and the Hong Kong Monetary Authority are actively promoting the interconnection of their fast payment systems, with some services expected to launch in mid-2024 [1][3] - A memorandum of understanding was signed in August 2024 to facilitate cross-border payment connectivity between mainland China and Hong Kong [3] - The interconnection aims to support real-time cross-border remittances for residents of both regions, enhancing the efficiency and security of cross-border payment services [3] Group 2 - The Hong Kong Monetary Authority will implement interconnection between its Faster Payment System and the mainland's fast payment system, with technical testing completed by the end of last year [3] - The interconnection will provide 24/7 service, allowing residents to make instant small cross-border remittances using the recipient's mobile or account number [3] - The People's Bank of China aims to support the healthy development of capital markets in Hong Kong, including facilitating more quality enterprises to list and issue bonds in Hong Kong [3]

Core Viewpoint - The People's Bank of China and the Hong Kong Monetary Authority are actively promoting the interconnection of the rapid payment systems between mainland China and Hong Kong, with some services expected to launch soon [1] Group 1: Project Progress - The interconnection project is progressing smoothly, with details to be announced in due course [1] - A memorandum of understanding was signed in August 2024 to facilitate cross-border payment connectivity [1] Group 2: Benefits of the Initiative - The initiative aims to support residents in both regions to conduct real-time cross-border remittances [1] - It is designed to provide safer, more efficient, and convenient cross-border payment services for trade activities and personnel exchanges between the two regions [1]