养老是国之大计，金融是国之重器。《关于金融支持中国式养老事业服务银发经济高质量发展的指导意 见》围绕"精准匹配金融产品和服务，满足不同阶段、不同人群养老金融需求"作出部署。发展养老金融 是促进中国特色金融和养老事业高质量发展良性循环的关键着力点。只有适应时代要求创新思路，向加 强人们全生命周期养老准备转变，向同时注重老年人物质文化需求、全面提升老年人生活质量转变，才 能更好满足多样化的养老金融需求。 从不同阶段看，养老金融不是老年金融，而是延伸至中年时期甚至青年时期的长期资金储备和财富规 划。在多层次养老保障体系下，越早储备、越长储备获得的回报越丰厚。越来越多的年轻人开始通过个 人养老金账户、商业养老保险等方式备老，"30岁规划60岁生活"成为新趋势。同时，"退而不休"渐成常 态，不少老年人退休后仍从事灵活就业或志愿服务，"养老+就业"等的金融需求与日俱增，涵盖养老金 领取、养老信托、投资理财等多个场景。 促进金融基础设施之间有序互联互通。整合社保、财税、商业保险等渠道数据，搭建一体化养老金融信 息管理平台，统一涉老服务标准与数据交换规则。探索设立区域性养老金融创新试验区，在依法合规、 风险可控的前提下试点跨 ...

Core Viewpoint - The launch of the first phase of the China-Vietnam QR code payment interconnectivity allows Chinese consumers to use various payment platforms in Vietnam, marking a significant step in bilateral financial cooperation [1] Group 1: Project Launch - The China-Vietnam QR code payment interconnectivity was officially announced on December 2 in Hanoi, Vietnam [1] - The service enables Chinese consumers to make payments at merchants accepting the VietQR code using the Industrial and Commercial Bank of China (ICBC) mobile banking app and other compatible wallets [1] Group 2: Strategic Significance - This initiative coincides with the 75th anniversary of diplomatic relations between China and Vietnam and the "China-Vietnam Cultural Exchange Year" [1] - The project is part of a broader effort to enhance bilateral financial infrastructure and strengthen the strategic partnership between the two countries [1] Group 3: Institutional Role - ICBC serves as the clearing bank for this initiative and has been actively involved in facilitating China-Vietnam cooperation [1] - The bank has established a significant presence in Vietnam with a branch in Hanoi and a representative office in Ho Chi Minh City, making it the largest Chinese financial institution in the country [1]

在中国人民银行指导下，人民银行深圳市分行不断推动深港跨境金融合作，早在1998年就开始先行 先试深港跨境支付互联互通，先后推出深港票据联合结算、深港外币实时贷记、深港代收付、深港跨境 人民币、深港电子支票等业务。2024年深港跨境收支合计617.8万笔、9536.7亿美元，两地美元、港币、 人民币资金可实时清算，支票也可流通使用，有效促进深港两地经济融合。 近年来，深圳不断深化跨境支付创新，持续打造全域支付示范区，率先推出跨境代理见证开 户、"外包内用"和"外卡内绑"等创新支付方式，极大便利了香港居民来深圳消费。截至2025年5月，香 港居民在深圳开立银行账户超321万户，其中跨境代理见证开户超41万户、累计交易近351亿元。 6月22日，在中国人民银行和香港金融管理局共同推动下，跨境支付通正式上线，标志着内地与香 港快速支付系统已实现互联互通，今后两地居民可实时办理跨境汇款。当日，全国首笔跨境支付通内地 居民南向、港人北向汇款业务落地深圳。 "以前我给在香港读书的女儿汇钱都要先将人民币兑换成港币，汇出后至少要等半天才能到账。现 在使用跨境支付通，不仅可以直接使用人民币汇款，还能实现资金实时到账，操作起来十分 ...

Core Viewpoint - The launch of the Cross-Border Payment System marks a significant innovation in the interconnectivity of financial infrastructures between mainland China and Hong Kong, enabling real-time cross-border remittances for residents of both regions [1] Group 1 - The Cross-Border Payment System officially went live today, with the first transaction occurring in Shenzhen [1] - This system allows residents from mainland China to remit money southward and Hong Kong residents to remit money northward [1] - The service is designed to be cheaper, more efficient, and more convenient for cross-border remittances [1] Group 2 - Users can access the "Cross-Border Payment" feature through their mobile banking apps, requiring only a phone number or a combination of account name and recipient account number to complete transactions [1] - Customers have the flexibility to choose the currency for the transaction, either Renminbi or Hong Kong Dollar [1]

Core Viewpoint - The launch of the "Cross-Border Payment Link" between mainland China and Hong Kong aims to provide a more secure, efficient, and convenient payment service for cross-border transactions, facilitating economic activities and integration in the Greater Bay Area [1][2]. Group 1: Overview of "Cross-Border Payment Link" - The "Cross-Border Payment Link" connects the mainland's online payment interbank clearing system (IBPS) with Hong Kong's Faster Payment System (FPS), allowing residents to make small cross-border remittances in real-time by simply entering the recipient's phone number or bank account number [2][3]. - It is designed to offer a more cost-effective and convenient alternative to traditional cross-border remittance methods, with advantages such as real-time processing and reduced intermediary costs [3]. Group 2: User Eligibility and Application Scenarios - The service is primarily available to residents and institutions in both mainland China and Hong Kong, providing instant cross-border payment services [4]. - Key application scenarios include personal remittances from mainland residents to Hong Kong bank accounts, and vice versa, as well as payments for tuition, medical expenses, and salary disbursements [5][11]. Group 3: Operational Details - Users can initiate cross-border remittances through mobile banking apps by filling out the necessary information, with support for both RMB and HKD as the receiving currency [6]. - There are annual and daily limits on remittances: for southbound remittances, the limit is USD 50,000 per person per year; for northbound remittances, the daily limit is HKD 10,000 and the annual limit is HKD 200,000 [7][9]. Group 4: Participating Institutions - Initial participating institutions include major banks from both mainland China (e.g., ICBC, Agricultural Bank of China) and Hong Kong (e.g., Bank of China Hong Kong, HSBC), with plans for further expansion [12][14]. Group 5: Fee Structure - During the initial phase, many banks are waiving fees for the service, promoting a "zero-fee" experience for users [15][16].

Core Viewpoint - Abu Dhabi First Bank (FAB) has become the first local direct participant bank in the Middle East and North Africa (MENA) region for the Cross-Border Interbank Payment System (CIPS), enhancing its capabilities in cross-border RMB payment solutions and reinforcing its commitment to digital transformation and regional financial leadership [1] Company Summary - FAB is the only UAE bank with a branch license in mainland China, positioning itself as a global bank and a significant financial institution [1] - As of March 31, 2025, FAB's total assets reached 1.31 trillion dirhams (approximately 356 billion USD), making it one of the largest banking groups globally [1] Industry Summary - The participation in CIPS allows FAB to provide faster, safer, and more efficient RMB payment solutions and real-time settlement capabilities, strengthening its leadership in cash management and clearing in the region [1] - The move reflects the acceleration of cross-border transactions and FAB's ongoing commitment to enhancing financial infrastructure and innovation for financial connectivity [1]

Group 1 - The meeting between Shanghai Clearing House Chairman Ma Jianyang and Philip Brown, CEO of Mingxun Bank, took place on June 17, 2025 [1] - The discussion focused on exploring the interconnectivity of financial infrastructure and expanding services in issuance custody and collateral management [1]