行来到腾冲市实验中学，开展＂跨境支付便捷行，金融安全记在心＂宣传活动。摄影：杨丽萍 转自：新华财经 随着全球化深入，个人跨境业务愈发频繁，出境留学、来华人士等群体面临跨境支付、安全防范等多重 挑战。云南中行始终坚守初心，以"跨境金融·中行守护"为导向，多维度开展跨境金融宣传教育活动， 为跨境业务顺利推进筑牢防线。 多家支行主动走进学校，将跨境金融知识送到师生身边。 保山市分行辖属腾冲支行走进腾冲市实验中 学，开展主题宣传活动，除基础金融知识外，还普及了数字人民币基本知识、留学金融等内容，进一步 强化师生的风险防范意识。大理州分行辖属福文路支行来到云龙县第一中学，开展"跨境支付便捷行， 金融安全记在心"宣传活动，向师生普及基础金融知识，重点讲解个人信息安全、账户及银行卡安全、 转账汇款注意事项等风险多发领域内容，让师生在了解跨境支付便利化的同时，提升金融风险防控能 力。 编辑：罗浩 8月1日，腾冲支 针对留学生及家庭，昆明地区支行精准发力。昆明市八一支行在某出国留学机构举办讲座，聚焦留学生 家庭跨境消费安全，结合实际案例提醒大家守住个人信息和账户安全。昆明市呈贡支行则于8月8日举办 财富及潜力私行客户主题沙龙， ...

Core Viewpoint - The People's Bank of China has issued administrative penalties to four payment institutions, highlighting a trend of increased regulatory scrutiny in the payment industry [1][4]. Group 1: Penalties Issued - Four payment institutions, namely Hu Yuan Yin Tong, Unicom Payment, Xin Lian Payment, and Zhong Fu Payment, have been penalized for various violations [1][2]. - Hu Yuan Yin Tong was fined a total of 24.3142 million yuan for six violations, including improper management of payment interfaces and failure to implement real-name registration [2][3]. - Unicom Payment faced a penalty of approximately 1.649 million yuan for six violations, including failure to ensure the authenticity and traceability of transaction information [2][3]. - Xin Lian Payment was fined 460,000 yuan for not reporting large or suspicious transactions as required [2]. - Zhong Fu Payment received a warning and a fine of 2 million yuan for violating institutional management regulations [3]. Group 2: Regulatory Trends - A total of 50 penalties have been issued to payment institutions in 2025, with seven institutions penalized in June alone [4]. - Major violations include breaches of institutional management regulations and failure to report large or suspicious transactions [4]. - The trend shows a significant increase in the number of penalties and a differentiation in penalty amounts, indicating a normalization of strict regulation in the payment industry [4][5]. - Regulatory focus is shifting towards data compliance, information security, and cross-border payment issues, alongside traditional concerns like anti-money laundering [5].