中国人民银行辽宁省分行锚定辽宁沿海经济带高水平对外开放战略，组织大连、丹东、锦州、营口、盘 锦、葫芦岛等六市中国人民银行分支机构紧扣外籍来辽人员与本地老年人等重点群体支付需求，聚 焦"枢纽通达、滨海畅游、普惠共享"三大篇章，为打造高水平营商环境与对外开放新前沿注入强劲"支 付动能"。 枢纽先行，打通海陆空支付"第一站"。立足港口、机场、火车站等城市门户，中国人民银行大连市分 行、盘锦市分行分别在大连周水子国际机场、盘锦市火车站等交通枢纽建成4个支付服务中心。丹东 站、营口站、葫芦岛站等9个火车站售票窗口全部支持外卡受理，周边重点商户同步升级外卡受理功 能，全部商户均可通过"外卡内绑""外包内用"实现扫码支付，确保外籍人士抵辽、离辽时可享受无忧支 付服务。其中，中国人民银行大连市分行在大连国际邮轮码头设立全国首个沿海城市港口支付服务中 心，至今已服务430余班进出港邮轮，为近8万人次外籍游客提供"靠岸即享"无忧支付服务。中国人民银 行大连市分行、盘锦市分行分别在大连火车站、盘锦市火车站等陆路交通枢纽设立支付服务示范区，系 统布局银行网点、外卡取现ATM、外币兑换点、外币兑换机等金融设施，设立多语种咨询服务台，精 ...

地铁里，外籍游客刷外卡直接过闸；出租车内，司机用兑换的"零钱包"向乘客找零；银行网点，老人用 带有"长辈模式"的ATM办理业务……这些看似微小的场景，正拼合出我国支付环境日趋便利的清晰图 景。 如果说涉外支付便利化是打开消费市场的"国际接口"，那么对国内老年群体的支付保障，则是夯实消费 底盘的"民生基石"，这恰恰与《关于金融支持提振和扩大消费的指导意见》中"提升支付兼容性"的要求 高度契合。在人口老龄化背景下，老年群体的支付需求绝非"小众诉求"，而是关乎亿万家庭的"民生大 事"。 为切实满足老年群体的支付需求，各地金融机构精准发力，推出了一系列贴合老年群体习惯的支付服务 举措。截至今年三季度末，重庆累计发放"零钱包"158.6万个，适配老年人的现金使用习惯。云南探索 推进惠农支付服务点成为农村零钱兑换服务站，提供"彩云零钱包"兑换服务，适应农村老年人现金支付 习惯，保障农村地区现金供给。 支付不仅是重要的金融基础设施，更是连接供需双方、激活消费意愿的关键环节。随着扩大内需成为推 动经济高质量发展的战略基点，支付已不再是孤立的"付钱动作"，而是串联生产与消费的经济血脉。任 何群体在支付环节遭遇的"不便"，都意味 ...

Core Viewpoint - The 15th National Games in Shenzhen highlights the integration of financial services and international event management, showcasing the city's financial capabilities and commitment to providing seamless payment solutions for athletes, spectators, and international guests [1][2]. Payment Services Upgrade - The People's Bank of China Shenzhen Branch has initiated a comprehensive payment service upgrade involving nearly 60 banks and payment institutions to ensure efficient payment solutions across various locations, including airports and event venues [1][2]. - Five comprehensive service centers have been established at key entry points like Shenzhen Bao'an International Airport to enhance the payment experience for foreign visitors [2]. Collaborative Financial Ecosystem - Financial institutions are working collaboratively under the guidance of the People's Bank of China, creating a complete financial service ecosystem that includes payment facilitation, currency exchange, and consumer engagement [3]. - Innovative services such as bilingual consultation and real-time payment solutions have been implemented to improve the experience for international visitors [2][3]. Cross-Border Payment Innovations - New initiatives like "refunds to domestic and foreign electronic wallets" and "cross-border payment refunds" have been introduced to streamline the shopping and refund processes for tourists [3][4]. - The number of accounts opened by Hong Kong residents in mainland China has reached over 3.22 million, with significant transaction volumes, indicating a strong cross-border financial integration [3]. Community and Accessibility Focus - Financial services have been enhanced to cater to the elderly and disabled, with banks providing specialized equipment and services to ensure inclusivity [5][6]. - Community outreach programs have been established to educate and assist older adults in navigating financial services, demonstrating a commitment to customer-centric service [5][6]. Overall Impact - The integration of advanced payment technologies and customer service initiatives during the National Games has positioned Shenzhen as a model for how financial services can enhance the experience of international events [6].

Core Viewpoint - The primary focus of the article is on the development of inbound tourism in China during the 14th Five-Year Plan period, highlighting the need for policy improvements and infrastructure enhancements to address current challenges in the sector [1][3]. Demand-Side Insights - Inbound tourism recovery is largely driven by demand-side policy initiatives, particularly the implementation of visa exemption policies and enhanced payment convenience [3][4]. - In the third quarter of this year, the number of foreign visitors entering China under visa exemption policies reached 7.246 million, marking a year-on-year increase of 48.3% [3]. - Approximately 1.35 million foreign visitors at Beijing ports this year utilized visa exemption policies, accounting for 53.4% of total inbound visitors [3]. Supply-Side Challenges - The article identifies two main challenges for inbound tourism: a lack of convenience in travel processes and a gap in tourism product offerings [4]. - To address these issues, it is suggested that efforts should be made on both the demand and supply sides, focusing on reconstructing tourism spaces and products, as well as promoting Chinese tourism culture [4]. Payment and Visa Policy Enhancements - There is a need to refine visa exemption policies based on different market demands, including special provisions for educational and medical tourism [5]. - A proposed whitelist system could expand the visa exemption range, allowing repeat visitors with good records to qualify for multiple entries without a visa [5]. - The promotion of universal international payment codes is essential to enhance payment convenience for foreign tourists [5]. Development of Tourism Infrastructure - Accelerating the construction of world-class tourist cities is crucial for supporting inbound tourism growth [6]. - The article emphasizes that urban development is as important as scenic area development in attracting tourists [6]. Educational Tourism Opportunities - Educational tourism is identified as a significant market segment that remains underexplored, with current offerings primarily catering to domestic students [7][8]. - The establishment of a comprehensive inbound educational tourism system is recommended, leveraging China's rich cultural and natural resources [8]. Promotion and Marketing Strategies - A national tourism promotion agency could be established to enhance the global marketing of Chinese tourism products and cultural experiences [8]. - Increased promotional efforts in overseas markets are necessary, focusing on various segments such as educational and vacation tourism [8].

Core Insights - The 138th Canton Fair has attracted over 190,000 foreign buyers, significantly boosting inbound consumption [1] - Guangzhou has seen a historical increase in tax refund applications, with over 4,800 applications amounting to more than 34 million RMB, marking a year-on-year growth of 7.4 times and 1.3 times respectively [1][8] - The introduction of "instant tax refund" services at the Canton Fair is enhancing the shopping experience for international visitors [2][3] Tax Refund Services - A dedicated tax refund area has been established at the Canton Fair, offering "instant buy and refund" services, allowing foreign visitors to process tax refunds on-site [2] - The use of mobile payment apps like Alipay for tax refunds has streamlined the process, enabling quick verification and refunds in multiple languages [2][3] - The tax refund threshold has been lowered to 200 RMB, which is expected to stimulate small purchases and increase transaction frequency [7] Visitor Experience - The integration of international bank card payment options in Guangzhou's metro system enhances the travel experience for foreign visitors [3] - The influx of foreign buyers has led to a 30% increase in foreign visitors at local shopping centers, with digital products accounting for 41% of sales [5] - Guangzhou's first city-based duty-free store has opened, allowing travelers to enjoy tax-free shopping and convenient pickup options [6] Economic Impact - The Canton Fair has contributed to a 13% year-on-year increase in passenger traffic at Guangzhou Baiyun Airport, with over 1.05 million travelers recorded [8] - The growth in tax refund applications at the airport since the fair began indicates a strong demand for consumer goods among international visitors [8] - The combination of duty-free shopping, tax refunds, and enhanced services is positioning Guangzhou as a leading international consumption center [7]

Core Viewpoint - The event highlighted the collaboration between CITIC Bank's Jiaozuo branch and the People's Bank of China to enhance payment services for foreign visitors in China during the 12th China Jiaozuo International Tai Chi Competition and the 2025 Yuntai Mountain Tourism Festival [1] Group 1: Payment Services Enhancement - The bank conducted promotional activities at foreign currency exchange points and competition venues to inform foreign visitors about various payment tools and services, including QR code payments and mobile banking [1] - A consultation desk was set up outside the opening ceremony venue to provide multilingual payment service guides to foreign athletes, tourists, and staff, detailing commonly used payment methods in China [1] - The initiative aims to optimize payment services and improve convenience, addressing the diverse payment needs of different groups to stimulate consumption and economic growth [1] Group 2: Future Commitment - The bank plans to continue its commitment to enhancing payment services, aligning with the national goal of serving the public through improved payment solutions, thereby supporting high-quality regional economic development [1]

Core Insights - The Ministry of Commerce and eight other departments jointly issued guidelines to promote digital consumption and enhance the quality of life in the digital age [1] Group 1: Payment Convenience - The guidelines emphasize the need to improve the convenience of payment systems [1] - Key locations will be encouraged to conduct domestic payment promotional activities [1] - There is a push to accelerate the interconnectivity between domestic clearing institutions and international payment platforms [1] Group 2: Digital Currency Expansion - The expansion of digital RMB acceptance and application scenarios is a priority [1] - The advantages of digital RMB, including intelligent and digital services, will be leveraged to enhance payment convenience [1] - The focus will also be on providing accessible and age-friendly services to improve digital consumption [1] Group 3: Collaboration and Inclusivity - Banks, payment institutions, and clearing agencies are encouraged to strengthen collaboration [1] - Services will be tailored to meet the needs of elderly individuals and foreign visitors in China [1] - Continuous optimization of the mobile payment experience is highlighted as a key objective [1]

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].