近年来，经营主体在跨境贸易投资中使用人民币的需求不断增长，也对包括跨境清算结算系统在内的金 融基础设施提出更高要求。目前，央行已基本建成多渠道、广覆盖的人民币跨境支付清算网络，包括人 民币跨境支付系统（CIPS）、商业银行行内跨境系统，以及中国银联、财付通、支付宝等商业机构构 建的跨境零售支付网络。数字人民币跨境交易以及境内外快速支付系统、二维码互联互通稳步推进，跨 境支付效率不断提升。 同日，潘功胜与哈立德签署《中国人民银行与阿联酋中央银行关于开展中国—阿联酋跨境支付互联互通 的谅解备忘录》。双方将构建中阿跨境支付合作监管框架，实现两国快速支付系统互联，支持两国企业 和个人线上快速办理跨境汇款，提升中阿跨境支付效率和服务水平，进一步便利双边经贸活动和人员往 来。 11月19日，中国人民银行行长潘功胜在阿联酋阿布扎比会见阿联酋副总统曼苏尔、中央银行行长哈立 德，就加强双边金融合作交换了意见。双方共同出席中国—阿联酋支付合作项目启动仪式，见证中国与 阿联酋快速支付系统互联、"银联—Jaywan"双品牌卡首笔交易及阿联酋多边数字货币桥（JISR）项目的 正式启动。 ...

【环球时报驻阿联酋特派记者 张志文】根据中国人民银行网站21日消息，中国人民银行行长潘功胜19 日在阿联酋阿布扎比会见阿联酋副总统曼苏尔、中央银行行长哈立德，就加强双边金融合作交换了意 见。双方共同出席中国-阿联酋支付合作项目启动仪式，见证中国与阿联酋快速支付系统互联、"银联— Jaywan"双品牌卡首笔交易及阿联酋多边数字货币桥（JISR）项目的正式启动。 据报道，阿联酋即时支付系统与中国网上银行支付系统成功互联后，两国用户可全天候进行安全、即时 的资金转账。此外，"银联—Jaywan"双品牌卡可通过银联覆盖全球180多个国家和地区，实现全球广泛 受理。 阿联酋通讯社20日援引曼苏尔的话称："这些先进举措充分体现了阿中全面战略伙伴关系的深厚底蕴， 为两国经济、金融和技术合作开辟了新前景。" "由阿中两国银行参与建立的多边央行数字货币桥项目 旨在促进跨境支付，大幅降低交易成本，实现即时支付结算。" 阿联酋《国家报》20日报道称，随着更 多国家的央行加入，该平台预计将在2026年进一步扩展。 ...

近年来，经营主体在跨境贸易投资中使用人民币的需求不断增长，也对包括跨境清算结算系统在内的金 融基础设施提出更高要求。目前，央行已基本建成多渠道、广覆盖的人民币跨境支付清算网络，包括人 民币跨境支付系统（CIPS）、商业银行行内跨境系统，以及中国银联、财付通、支付宝等商业机构构 建的跨境零售支付网络。数字人民币跨境交易以及境内外快速支付系统、二维码互联互通稳步推进，跨 境支付效率不断提升。 11月19日，中国人民银行行长潘功胜在阿联酋阿布扎比会见阿联酋副总统曼苏尔、中央银行行长哈立 德，就加强双边金融合作交换了意见。双方共同出席中国—阿联酋支付合作项目启动仪式，见证中国与 阿联酋快速支付系统互联、"银联—Jaywan"双品牌卡首笔交易及阿联酋多边数字货币桥（JISR）项目的 正式启动。 同日，潘功胜与哈立德签署《中国人民银行与阿联酋中央银行关于开展中国—阿联酋跨境支付互联互通 的谅解备忘录》。双方将构建中阿跨境支付合作监管框架，实现两国快速支付系统互联，支持两国企业 和个人线上快速办理跨境汇款，提升中阿跨境支付效率和服务水平，进一步便利双边经贸活动和人员往 来。 （文章来源：证券时报） ...

来源：央视财经 （文章来源：证券时报） 中国人民银行发布消息，2025年11月19日，中国人民银行行长潘功胜在阿联酋阿布扎比会见阿联酋副总 统曼苏尔、中央银行行长哈立德，双方共同出席中国-阿联酋支付合作项目启动仪式，见证中国与阿联 酋快速支付系统互联、"银联—Jaywan"双品牌卡首笔交易及阿联酋多边数字货币桥（JISR）项目的正式 启动。 同日，潘功胜与哈立德签署《中国人民银行与阿联酋中央银行关于开展中国-阿联酋跨境支付互联互通 的谅解备忘录》。双方将构建中阿跨境支付合作监管框架，实现两国快速支付系统互联，支持两国企业 和个人线上快速办理跨境汇款，提升中阿跨境支付效率和服务水平，进一步便利双边经贸活动和人员往 来。 ...

Core Insights - The collaboration between Hong Kong and Shenzhen in financial technology and the gold industry has reached a significant milestone with the release of the "Action Plan (2025-2027)" aimed at establishing a global financial technology center and a deeply integrated regional gold ecosystem [1][2] Group 1: Action Plan Overview - The "Action Plan" outlines a three-year development path with six key tasks focusing on leveraging the complementary advantages and policy synergies of both regions [2][3] - The goal is to create a vibrant environment for financial technology enterprises, emphasizing innovation and technological leadership [2] Group 2: Key Tasks of the Action Plan - Attract and cultivate financial technology entities, including the establishment of research and service centers, and encouraging cross-border payment services in Shenzhen [3] - Support original technology research, particularly in AI applications within finance, and establish cross-border financial technology laboratories [3] - Promote efficient development through collaboration in financing channels and sustainable offshore RMB bond issuance [3] - Accelerate the creation of unique application scenarios, leveraging Hong Kong's digital RMB pilot advantages [3] - Continuously optimize the regulatory environment for innovation, enhancing cross-border cooperation in financial technology [3] - Foster an industry development ecosystem through talent events and participation in financial technology standard-setting [3] Group 3: Gold Industry Collaboration - The memorandum signed between the two regions aims to build a deeply integrated regional gold ecosystem by leveraging their respective strengths [5] - Future initiatives include enhancing gold storage and logistics networks, and promoting financial technology in the gold industry [5] - This collaboration aligns with Hong Kong's vision of becoming a regional gold reserve hub and capitalizes on Shenzhen's significant gold processing capabilities [5][6] Group 4: Financial Cooperation Achievements - Since the establishment of the Shenzhen-Hong Kong Financial Cooperation Committee in June 2024, there has been significant progress in market connectivity, with cumulative trading volume reaching 125 trillion yuan [6] - The implementation of the "Cross-Border Wealth Management Connect 2.0" has seen Shenzhen's business account for nearly 50% of the Greater Bay Area's activities [6] - The release of the "Action Plan" and the memorandum reflects a strategic choice to enhance financial cooperation through dual-driven initiatives in financial technology and the gold industry [6]

Core Insights - China UnionPay and Industrial and Commercial Bank of China (ICBC) have launched multi-currency debit and credit cards in Turkey, enhancing global payment options for local residents and supporting bilateral trade and the internationalization of the Renminbi [1][2] Group 1: Partnership and Product Launch - The collaboration between China UnionPay and ICBC marks a significant milestone in their strategic partnership, focusing on the Turkish market [1][2] - The newly launched debit card supports five currencies: Renminbi, Turkish Lira, British Pound, US Dollar, and Euro, facilitating transactions for cardholders globally [2] Group 2: Market Impact and Future Plans - The issuance of UnionPay cards in Turkey responds to the demand for improved payment convenience for foreigners visiting China and aims to enhance cross-border financial connectivity [2] - UnionPay has established a comprehensive local payment service network in Turkey over nearly two decades, achieving widespread acceptance among local merchants and ATMs [2] - Future plans include deepening collaboration with local partners to improve cross-border payment services and contribute to the Belt and Road Initiative and Turkey's "Middle Corridor" initiative [2]

Core Viewpoint - 京北方 has experienced a significant stock price increase of 92.67% year-to-date, but recent trading shows a decline in the short term, indicating potential volatility in the stock performance [1][2]. Company Overview - 京北方 Information Technology Co., Ltd. was established on December 16, 2009, and went public on May 7, 2020. The company primarily provides information technology services and business process outsourcing to financial institutions, particularly banks [2]. - The revenue composition of 京北方 includes: software development and services (33.73%), financial technology solutions (30.03%), smart customer service and precise marketing in consumer finance (19.58%), digital operation and services (13.95%), and AI and big data innovative products (2.71%) [2]. - 京北方 is categorized under the computer software development industry, with concepts including internet finance, digital currency, operating systems, cross-border payments, and Baidu concepts [2]. Financial Performance - For the period from January to September 2025, 京北方 reported a revenue of 3.613 billion yuan, reflecting a year-on-year growth of 5.14%. The net profit attributable to shareholders was 243 million yuan, with a year-on-year increase of 7.94% [2]. - Since its A-share listing, 京北方 has distributed a total of 318 million yuan in dividends, with 261 million yuan distributed over the past three years [2]. Shareholder Information - As of September 30, 2025, the top ten circulating shareholders of 京北方 include Hong Kong Central Clearing Limited as the fourth largest shareholder with 5.8378 million shares, an increase of 1.6881 million shares from the previous period [3]. - The fifth largest shareholder is Hua Bao Zhong Zheng Financial Technology Theme ETF, holding 5.6812 million shares, which is an increase of 2.6807 million shares [3]. - Other notable shareholders include Southern Zhong Zheng 1000 ETF and Hua Xia Zhong Zheng 1000 ETF, with varying changes in their holdings [3].

Core Viewpoint - Douyin has initiated offline payment testing, allowing consumers to use Douyin Pay in daily shopping and dining scenarios, aiming to simplify the payment process and enhance user experience [1][6]. Group 1: Douyin Pay Development - Douyin Pay has obtained an internet payment license through the acquisition of Wuhan Hezhong Yibao Technology Co., which was officially renamed Douyin Payment Technology Co., Ltd. in June 2024 [3][4]. - Following the acquisition, Douyin Pay has expanded its services to include offline payment capabilities, significantly increasing its e-commerce gross merchandise volume (GMV) from 200 billion yuan to 3.43 trillion yuan by 2024, making it the third-largest player in the market [4][10]. - Douyin Pay's registered capital has increased to 3.15 billion yuan, positioning it as the fourth-largest payment institution in China [17]. Group 2: Competitive Landscape - The Chinese mobile payment market is dominated by Alipay and WeChat Pay, which together hold over 90% market share, making competition for Douyin Pay challenging [12][14]. - Alipay's transaction volume is projected to reach 200 trillion yuan in 2024, with a slight increase expected in 2025 [14]. - Douyin Pay's rapid expansion into payment scenarios and financial services, including consumer loans and installment payments, is seen as a direct response to the competitive pressure from Alipay and WeChat Pay [19][21]. Group 3: Strategic Initiatives - Douyin is focusing on building a comprehensive financial ecosystem by integrating payment services with its content and e-commerce platforms, aiming to replicate successful models like Alipay's Yu'ebao [11][21]. - The company is also exploring cross-border payment solutions, starting with TikTok's e-commerce initiatives in markets like Indonesia and the UK [10][11]. - Douyin Pay's promotional strategies, such as offering zero-interest loans, are designed to attract more users and enhance its financial service offerings [19][21].

Core Insights - Douyin has quietly initiated offline payment acceptance tests, allowing consumers to use Douyin Pay for transactions in supermarkets and restaurants, aiming to simplify the payment process and enhance user experience [2] - Alipay is currently offering significant discounts, reducing the cost by 2 yuan per transaction, which is a strategic response to competition from emerging rivals like Douyin Pay and Xiaohongshu [2] Group 1: Douyin Pay Development - Douyin Pay was established following the acquisition of Wuhan Hezhong Yibao Technology Co., which provided Douyin with an internet payment license, facilitating its business expansion [4] - After the acquisition, Douyin Pay launched and cut off external links to platforms like Taobao and JD, creating a closed-loop system for transactions, payments, and logistics [4][11] - Douyin's GMV surged from 200 billion yuan to 3.43 trillion yuan by 2024, positioning it as the third-largest player in the market [4] Group 2: Competitive Landscape - The mobile payment market in China is dominated by Alipay and WeChat Pay, which together hold over 90% market share, making it challenging for Douyin Pay to gain significant traction [13][16] - In 2024, the mobile payment transaction volume in China exceeded 350 trillion yuan, with projections to reach 687.5 trillion yuan by 2025 [16] - Alipay maintained a market share of 54.5% in 2024, with transaction volumes expected to surpass 220 trillion yuan in 2025 [17] Group 3: Strategic Moves and Future Plans - Douyin Pay is expanding its services to include offline payment capabilities, enhancing local life service offerings [7][11] - Douyin is also exploring cross-border payment solutions, starting with TikTok's e-commerce initiatives in markets like Indonesia and the UK [11] - Douyin Pay's registered capital has increased to 3.15 billion yuan, positioning it as the fourth-largest payment institution in China [19] Group 4: Financial Services and User Engagement - Douyin Pay is actively developing financial services similar to Alipay, including "放心借" (Safe Borrow) and "抖音月付" (Douyin Monthly Payment), to attract users into its financial ecosystem [19][21] - The company aims to replicate successful models from Alipay, potentially launching products akin to "余额宝" (Yu'ebao) to enhance its appeal [23]

Core Viewpoint - The article discusses the joint initiative between Hong Kong and Shenzhen to establish a global fintech center and a deeply integrated regional gold ecosystem, aiming to enhance their financial cooperation and strengthen their positions in the global financial landscape [4][6]. Group 1: Action Plan for Fintech Center - The "Action Plan" outlines six key tasks to promote the development of the fintech center, focusing on the complementary advantages of both regions and collaborative efforts [6][7]. - Key tasks include attracting fintech entities, supporting original technology research, developing efficient collaborative frameworks, creating unique application scenarios, optimizing the regulatory environment, and fostering a supportive industry ecosystem [8][9]. Group 2: Gold Ecosystem Development - The "Memorandum" emphasizes the complementary strengths of Hong Kong and Shenzhen in building a regional gold ecosystem, including collaboration in gold storage, logistics, and refining industries [10][11]. - Specific measures include establishing a gold central clearing system in Hong Kong and enhancing cooperation in gold processing and training [11][12]. Group 3: Financial Cooperation Achievements - The Shenzhen-Hong Kong Financial Cooperation Committee has made significant progress in enhancing financial integration, with multiple initiatives launched to improve market connectivity and cross-border financial services [13][17]. - As of September 2025, the "Shenzhen-Hong Kong Stock Connect" has seen a cumulative trading amount of 125 trillion yuan, and the "Cross-Border Wealth Management Connect" has attracted approximately 31,000 new investors [17][18]. Group 4: Capital Market Interactions - There has been an increase in cross-border capital market activities, with 132 Shenzhen companies listed on the Hong Kong Stock Exchange, totaling a market capitalization of 12.18 trillion HKD [19]. - Recent policies have facilitated the listing of Hong Kong-listed companies on the Shenzhen Stock Exchange, promoting a more integrated capital market [19].