引子 夜幕落下，珠江两岸灯火璀璨。"看，是'小蛮腰'。"坐在游船上，当流光溢彩的广州塔映入眼帘，科威 特游客纳泽一家迅速摆好姿势，与塔合影，"得益于免签政策，我们有了这次'说走就走'的旅行。" 不止是纳泽一家。2025年，全国各口岸出入境外国人8203.5万人次，同比增长26.4%。今年春节假期， 外国人出入境131.3万人次，较去年假期日均增长21.8%；入境外国人中，适用免签政策入境46万人次， 较去年假期日均增长28.5%。 "中国游"带火"中国购"。2025年，我国办理离境退税的境外旅客数量同比增长305%，退税商品销售额 同比增长95.9%。 平日里，纳泽习惯刷卡或现金支付。来中国前，他曾担心支付不便，来之后，才发现担心多余。 刚下飞机，走进广州白云国际机场外籍人士便利化服务中心，内设支持外卡取款的ATM机；航站楼 里，多个外币兑换点全天候运行，可兑换美元、欧元等40余种外币现钞；走出机场，换乘地铁时，纳泽 注意到，自己所持的维萨（Visa）卡等境外银行卡在闸机一刷，就能直接乘车。 新春伊始，记者走进天津市、重庆市和广东省广州市，循着入境游客的旅程，看消费选择、听真实感 受，见证中国开放的大门越开越 ...

如果说机场是山西的"第一扇窗"，那么，高铁枢纽便是连接三晋美景的重要纽带。在大同南站候车大厅 里，返乡旅客与出游人群熙熙攘攘，热闹非凡。站内便利店内，来自德国的游客托马斯在工作人员耐心 指引下，轻松完成手机扫码购物。"以前出国旅游，最怕换钱、取现麻烦，这次来大同，工作人员一步 步教我怎么用移动支付，特别好懂。"托马斯用流利的中文对记者说。 支付便利无处不在 临汾小西天景区内，红灯笼挂满了古建长廊，祈福牌上写满了游客的新春愿望。 法国游客安娜在景区拍照留念后，打算买一套文创明信片，本以为携带的外卡无法支付，心里还有些着 急，没想到店员热情告知，这里早已支持境外银行卡直接消费。 在山西，支付便利化正从交通枢纽向景区、商圈、街区全面延伸。中国人民银行山西省分行坚持"重点 示范、全域联动"，精心打造多层次、广覆盖的支付服务示范区。目前，全省已建成8个省级和12个市级 支付服务示范区，精准覆盖重要交通枢纽及核心文旅地标，初步构建起"枢纽衔接、商圈辐射、景区联 动"的立体化服务格局。 "原本还担心出行购物不方便，没想到ATM能用外卡取现，还有中英双语指南，太贴心了。"马年春节前 夕，来自韩国首尔的金女士和家人来到山西感受 ...

在西岭雪山，从购票闸机到索道入口，从雪具租赁到山顶餐厅，工行布设的智能终端将支付环节隐入游 玩动线。游客持卡挥卡即过，即时完成雪板押金支付；山腰温泉池边，扫码购得的姜茶恰好赶在寒意泛 起时递来。天台山的禅意场景里，古刹文创店的竹编香囊、山居暖阁的茶席消费，因电子支付打通了传 统盲点。支付无感，却让雪山温泉的每一步都轻盈起来。 酒店里的年味落在细微处。香格里拉大堂，持工银信用卡消费满1080元享随机立减；世外桃源温泉 区，"温泉+年俗"套餐绑定消费券，泡汤后扫码即可体验糖画制作；木棉花酒店的亲子房里，满588元优 惠让全家围坐的时光更添从容。马年春节，全城1500余家酒店及民宿均可刷工行卡体验"雪山泡温泉"的 巴适年味，为团圆时刻注入别样温度。 便利不止惠及本地游客。从双流、天府国际机场入境的外国游客，落地即可刷境外VISA、万事达、美 国运通等银行卡乘地铁直达酒店，次日赴雪山仍可一卡畅游。在春熙路、太古里、宽窄巷子、熊猫基地 等商圈，境外卡支付与离境退税"即买即退"服务已全线贯通。工行成都分行以"外卡支付一卡通"为抓 手，助力成都成为国内首个公共交通全场景支持境内外银行卡直接刷卡过闸的城市。 转自：新华财经 ...

（来源：青岛金融） "刚买完东西，退税款就回来了，感觉完全不一样。青岛的支付效率，让这趟旅途更加圆满！"韩国旅客 HAN JUNGMOK先生难掩喜悦。过往多国旅行，退税排队填表、数日等待到账是常态，此次他本没抱 太高期待，没想到在青岛海信广场，业务办理格外顺畅。工作人员通过操作青岛中行布设的集成退付 POS终端，一键完成预授权与退税联动，退税款"速"到账，将传统数天的退税等待压缩为"即时惠享"的 舒心体验。 近年来，在中国人民银行青岛市分行指导下，中国银行青岛市分行围绕境外来华人员需求，全力打造支 付便利化全场景服务，联合银联商务、中银通支付定制开发集成退付POS终端，将扫码核验、多卡支 付、跨境清算等功能集于一体，全面兼容境内外银联卡及Visa、万事达等主流国际卡种，彻底打破外卡 支付壁垒，退税款办完"速到账"，实现山东在离境退税便利化领域"零的突破"。 近年来，在中国人民银行青岛市分行指导下，中国银行青岛市分行围绕境外来华人员需求，全力打造支 付便利化全场景服务，联合银联商务、中银通支付定制开发集成退付POS终端，将扫码核验、多卡支 付、跨境清算等功能集于一体，全面兼容境内外银联卡及Visa、万事达等主流 ...

Core Insights - The article emphasizes the strategic importance of Yunnan in promoting high-level opening-up and establishing a radiation center towards South Asia and Southeast Asia, as highlighted by President Xi Jinping's directives [1][13] - The implementation of cross-border digital payment systems, including the use of digital RMB and QR code payments, marks a significant advancement in financial integration between China and Laos, facilitating trade and investment [1][5] Financial Innovations and Developments - The launch of the cross-border direct bus service between China and Laos has introduced digital RMB and QR code payment services, enhancing payment convenience and supporting the internationalization of the RMB [1] - Yunnan's financial system has seen the establishment of over 1,200 cross-border RMB settlement enterprises during the 14th Five-Year Plan, with a total cross-border RMB settlement amounting to 251.35 billion yuan, a 17.3% increase from the previous five-year period [1] Cross-Border Payment Systems - The cross-border payment system allows users from both countries to utilize their domestic payment applications for transactions, significantly improving the convenience for Laotian students and residents in Yunnan [4] - By the end of November 2025, over 58,000 QR codes for aggregated payments had been deployed in Xishuangbanna, covering various life scenarios for foreign visitors [4] Economic Transformation - The border economy is transitioning from a "channel economy" to an "industrial economy," supported by financial services and resources, with loans in key border areas increasing by 8.63% year-on-year [9] - The establishment of a comprehensive payment service system, including support for foreign currency exchange and cash withdrawal ATMs, has enhanced the overall cross-border trade experience [4][9] Cross-Border Trade and Settlement - The establishment of stable cross-border RMB settlement channels between Chinese and Laotian banks has facilitated smoother trade transactions, with significant increases in cross-border RMB settlement volumes [11][12] - The total cross-border RMB settlement in Xishuangbanna reached 28.539 billion yuan during the 14th Five-Year Plan, marking a 3.04 times increase compared to the previous five-year period [12] Future Outlook - Yunnan is positioned as a crucial strategic point in China's dual circulation development pattern, leveraging its unique geographical advantages to enhance financial integration and support the Belt and Road Initiative [13] - Continued financial innovations and supportive national policies are expected to further strengthen Yunnan's role in regional economic development and connectivity [13]

Core Viewpoint - The People's Bank of China (PBOC) Liaoning Branch is focusing on enhancing the payment services for foreign visitors and local elderly populations in six cities along the Liaoning coastal economic belt, aiming to create a high-level business environment and promote international openness. Group 1: Infrastructure Development - The PBOC has established four payment service centers at major transportation hubs such as Dalian International Airport and Panjin Railway Station to facilitate payment services for foreign visitors [2] - All ticket windows at nine railway stations, including Dandong and Yingkou, now support foreign card acceptance, ensuring seamless payment experiences for foreign visitors [2] - The Dalian International Cruise Terminal has become the first coastal city port payment service center in China, serving over 430 cruise ships and nearly 80,000 foreign tourists [2] Group 2: Payment Convenience and Innovation - A total of 4,578 ATMs supporting foreign card cash withdrawals and 10 foreign currency self-service exchange machines have been installed across the six cities, enhancing payment convenience for foreign visitors [3] - From January to October this year, the transaction volume for "foreign card binding" and "foreign payment" reached 1.393 million transactions worth 150 million yuan, supporting seven major international card brands and 32 e-wallets from 15 countries and regions [3] Group 3: Tourism and Cultural Payment Services - Major tourist attractions and hotels in Dalian and surrounding areas have opened foreign card acceptance, including 21 4A-level scenic spots and 31 four-star hotels [4] - The PBOC has established a payment service center for foreign guests at the Jinshitan scenic area, integrating various payment services including foreign currency exchange and digital yuan [4] Group 4: Event Support and Consumer Activation - The PBOC has set up service areas at the Dalian World Cup venue and designated hotels, providing high-quality financial services during events [5] - The PBOC is creating payment service demonstration streets in historical and cultural districts to enhance the payment experience for inbound tourists [6] Group 5: Inclusive Payment Services - A total of 3,532 bank branches in the six cities provide elder-friendly services, with 2,449 branches meeting standardization requirements [7] - The PBOC is promoting smart community canteens to facilitate payment and dining for the elderly, integrating various payment methods and subsidies [7] - The establishment of 6,395 rural cash withdrawal service points extends basic financial services to rural areas, enhancing accessibility for elderly residents [8]

Core Viewpoint - The payment environment in China is becoming increasingly convenient, which is essential for stimulating consumer demand and supporting economic growth [1] Group 1: Payment Convenience for Foreign Tourists - Foreign tourists can now use their international cards directly for payments, eliminating the need to exchange large amounts of cash at airports [3] - Alipay's collaboration with American Express has expanded its "bind foreign card" service to cover seven major international card brands, achieving near-complete global coverage [3] - UnionPay's "Jinxiu Action 2025" has facilitated direct connections for 213 offline aggregation codes with foreign wallets, leading to a 103% increase in transaction volume and a 31% increase in transaction value for foreign card usage year-on-year [3] Group 2: Payment Solutions for the Elderly - The aging population in China necessitates improved payment solutions for the elderly, which is a significant aspect of consumer welfare [4] - Financial institutions have introduced various services tailored to the elderly, such as the "零钱包" (small change wallet), with 1.586 million issued in Chongqing alone by Q3 this year [4] - The introduction of "senior mode" in mobile banking apps aims to bridge the digital divide for older adults, reflecting a shift towards more inclusive financial services [4] Group 3: Policy Support for Payment Facilitation - The People's Bank of China and other departments have issued guidelines to enhance payment services for the elderly and foreign visitors, emphasizing the importance of payment convenience in boosting consumption [2] - Recent policies have further integrated payment facilitation with other services like visa and communication, highlighting a strategic approach to improving the payment environment for foreigners [2] Group 4: Broader Economic Implications - The advancements in payment convenience for both foreign tourists and the elderly are seen as vital for unlocking consumer spending and enhancing economic vitality [5][6] - Efforts to improve rural payment infrastructure and adapt payment systems to local needs are also underway, indicating a comprehensive approach to payment facilitation across different demographics [5]

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]