Core Viewpoint - The launch of the Cross-Border Payment System on June 22 by the People's Bank of China and the Hong Kong Monetary Authority marks a significant advancement in financial cooperation between mainland China and Hong Kong, aiming to enhance cross-border remittance services and reduce reliance on the SWIFT system [2][3]. Group 1: System Overview - The Cross-Border Payment System is built on the Memorandum of Understanding for cross-border payment connectivity between mainland China and Hong Kong, facilitating efficient and secure remittance services by connecting the mainland's Interbank Payment System (IBPS) with Hong Kong's Faster Payment System (FPS) [3]. - The system aims to address the growing demand for cross-border financial services as economic and trade ties between the Greater Bay Area and Hong Kong deepen [2]. Group 2: Advantages of the Cross-Border Payment System - The system offers several advantages, including support for interbank remittances, various payment purposes, real-time transactions, low transaction costs, and the ability to use mobile numbers for remittance [5][12]. - Unlike the traditional SWIFT system, which can take 1-2 business days for transactions, the new system allows for instant transfers, significantly improving efficiency [7]. - The Cross-Border Payment System reduces costs associated with SWIFT, where fees can reach 1%-3% of the transaction amount, by eliminating intermediaries and offering promotional zero-fee services [7]. Group 3: Operational Details - The initial participants in the Cross-Border Payment System include six major banks from mainland China and six from Hong Kong, enhancing the system's operational capacity [11][12]. - There are specific remittance limits: Hong Kong residents can remit up to 200,000 HKD annually and 10,000 HKD daily, while mainland residents can remit up to 50,000 USD annually and 300,000 RMB daily [12]. - The system currently focuses on person-to-person (P2P) transactions, with plans to expand to business and government transactions in the future [12]. Group 4: Strategic Implications - The Cross-Border Payment System is expected to strengthen Hong Kong's role as an offshore RMB hub and enhance the city's financial center status by increasing RMB deposits [13]. - The People's Bank of China plans to collaborate with the Hong Kong Monetary Authority to ensure the smooth operation of the system and promote high-quality development of the cross-border payment framework [13].

来源：人民日报海外版 不过，当前"丝路电商"的发展仍存在一些亟待解决的问题和进一步提升的空间。首先，虽然"丝路电 商"合作国家数量较多，但深度合作程度还需加强。许多国家目前仅停留在产品销售与平台接入阶段， 尚未深入到供应链整合、数字技术共享、跨境支付便利化等更深层次的协作领域，尚未形成跨国界的供 应链深度融合，阻碍了资源和技术的有效整合。其次，数字基础设施发展不均衡也限制了部分国家对电 商的全面参与。一些发展中国家的物流体系仍存在明显短板，物流配送速度慢、成本高，极大降低了产 品的市场竞争力。此外，网络基础设施和跨境支付体系的发展水平不一，部分地区存在网络覆盖率低、 支付手段单一等问题，阻碍了电商的快速扩展。由此来看，加快完善数字基础设施、提高跨境支付便利 化水平成为"丝路电商"下一步发展的关键，这些短板亟须通过国际协作、技术援助和能力建设等方式予 以解决。 基于这些问题，"丝路电商"未来的发展可以重点关注以下几个方面：一是深化产业链与供应链合作，推 动我国企业与海外伙伴在生产、仓储、配送、售后等环节展开全链条合作，以实现更高效的资源配置与 产业升级。尤其是通过建立跨境仓储物流中心，优化供应链环节的资源分配与 ...

中欧金融工作组第二次会议在比利时布鲁塞尔举行 围绕全球经济不确定性等议题进行深入交流 智通财经5月14日电，中欧金融工作组第二次会议5月13日至14日在比利时布鲁塞尔举行。此次会议围绕 全球经济不确定性、中欧各自宏观经济形势与金融稳定形势、银行业保险业监管、养老基金与租赁公司 发展等议题进行了深入交流，并就可持续金融、跨境数据流动与跨境支付体系建设等新兴领域合作进行 了建设性的讨论。作为中欧金融工作组的配套活动，中欧金融机构圆桌会同期举行。中欧金融管理部门 认真听取了与会金融机构就金融数字化转型、金融科技创新等前沿领域提出的专业建议，并就优化市场 准入、促进业务创新等具体诉求进行了充分沟通。与会各方一致同意建立常态化交流机制，共同推动中 欧金融合作向更宽领域、更深层次发展。 ...