9月15日，金融监管总局、中国人民银行、中国证监会联合启动"金融教育宣传周"活动。 本次活动以"保障金融权益 助力美好生活"为主题，围绕"为民办实事，提升服务水平；规范营销行为，强化适当性管理；抵制非法中介，维护金融秩序；防 范电信诈骗，保护财产安全"等四方面，汇聚政府部门、行业协会、金融机构、社会媒体等多方力量，开展多渠道、多形式、分人群、有侧重的金融教育宣 传。 北京金融监管局表示，该局组织辖内金融机构共同开展"金融集市"活动，正式拉开北京地区2025年金融教育宣传周帷幕。本次活动设置两个会场，金融街广 场安装静态金融教育宣传装置，展现各类金融知识、金融政策、风险提示等，吸引居民、行人等驻足观看；金融街购物中心广场搭建各类展区展台，汇聚近 40家政府部门、金融机构与消费者、投资者面对面交流，将金融知识和风险提示以喜闻乐见的形式送到人民群众手中。 9月15日，北京商报记者来到金融街购物中心广场实地探访"金融集市"。记者发现，机构展区内有银行、保险、证券、支付等多类型金融机构，包括工行北 分、建行北分、农行北分、太保财险北分、平安财险北分、国寿寿险北分、元保保险经纪、银河证券、网银在线等在内的各家金融机构精心 ...

支付生态版图中，收单外包机构一直扮演着重要角色，然而长期以来，该领域乱象丛生，一度成为阻碍行业健康发展的"绊脚石"。如今，随着多方的一系列 治理动作，支付收单外包管理也迎来全方位"升级"。 新版收单外包备案平台上线 支付收单外包管理再上新台阶。 9月15日，北京商报记者注意到，根据协会此前发布的通知，为进一步加强收单外包服务机构管理，提升行业自律管理效能，协会对外包机构备案管理系 统、外包机构登记及风险信息共享系统、外包机构评价系统等系统功能进行了整合优化，建设了收单外包服务自律管理平台，而这一平台，已正式于9月15 日上线运行。 从具体功能来看，平台具备外包机构备案、合作信息登记、风险信息共享和自律评价等功能，可客观、准确、完整记录外包机构基本情况、服务合作状况、 风险信息等；对于商业银行、非银行支付机构（以下简称"收单机构"），可支持用户管理、合作外包机构信息登记、风险信息录入处置及评价评分等操作。 此外对外包机构，则开放用户注册、备案申请、合作信息录入、业务数据定期报送、备案信息更新及备案证明下载等功能。 就在9月15日，由中国支付清算协会（以下简称"协会"）整合优化旧有系统后打造的"收单外包服务自律管 ...

如果说网购1.0时代是信息黄页时代，网购2.0是移动电商，网购3.0是社交及兴趣电商，那AI智能体电商(AI agentic commerce)可能是接下来十年最大的一 场商业革命。 还在为比价开十个APP？未来可能连手指都不用动——AI直接按你的喜好挑好货、比完价、自动结账。当科幻片里"懂你需求的购物管家"照进现实，这 场由AI智能体驱动的商业变革，正悄悄改写电商的游戏规则。 AI智能体，也许是出海未来的最大变量之一。 AI突破地域壁垒，有无国界的洞察力，只为海外剁手党挖"价廉物美"的宝藏尖货。从电商平台、独立站到OTA、游戏数娱，对于所有涉及跨境业务的中 国出海企业，这是一轮抢占全球消费市场的战略级机遇。 什么是AI智能体电商？ 简单来说，就是AI代理根据用户设定的参数——价格、品牌、库存、配送时间、退货政策等——主动完成商品浏览、比价、下单，甚至在聊天框内一键 完成支付 AI正以"解决麻烦事"为切入点重塑消费场景。 在商务差旅领域，AI代理可一站式搞定行程设计、积分兑换与自动报销，将原本冗长的人工操作时间压缩至仅几分钟；热门演唱会门票抢购中，AI代理 的实时监控与毫秒级下单能力，让"手慢无"不再是消费者 ...

北京商报讯（记者 岳品瑜 董晗萱）支付机构又领罚单，被罚理由却较为"罕见"。9月15日，北京商报记者注意到，人民银行贵州省分行近日披露 的行政处罚信息显示，贵州汇联通支付服务有限公司（以下简称"汇联通支付"）因变更监事、高级管理人员未经中国人民银行贵州省分行批准， 被警告、通报批评并被罚款10万元。 同时，时任汇联通支付法定代表人陈某对上述违法行为负有责任，被罚款5万元。 | 序号 | | 当事人名称 行政处罚决定书文号 | 违法行为类型 | 行政处罚 内容 | 作出行政处罚 作出行政处 决定机关名称 罚决定日期 | | 公示期限 (自公示之 日起计算) | | --- | --- | --- | --- | --- | --- | --- | --- | | | 贵州汇联通支 付服务有限公 | 贵银罚决字〔2025〕 19号 | 变更监事、高级管理人员,未经中国人民 银行贵州省分行批准 | 警告、通报批 评,罚款10万 | 中国人民银行贵 2025年8月28日 州省分行 | | 三年 | | | 司 | | | 元 | | | | | | 陈某(时任贵 州汇联通支付 服务有限公司 | 贵银罚决字〔2025〕 ...

经济观察网9月15日，全球化跨境支付服务平台CoGoLinks结行国际宣布，其海外主体公司递交的验收 材料已通过迪拜金融服务管理局(DFSA)审核，正式在阿联酋获得金钱服务许可。该项资质允许 CoGoLinks结行国际在阿联酋境内开展支付账户运营、支付交易处理及支付工具发行等业务，使其成为 在阿联酋获得正式支付牌照的中国跨境支付平台。 ...

Core Viewpoint - The People's Bank of China is enhancing financial services for the upcoming China International Fair for Trade in Services, scheduled for September 10-14, 2025, in Beijing, aiming to create a smart, convenient, diverse, and efficient payment environment for exhibitors and visitors [1] Payment Services Development - As of now, the two major airport payment service demonstration zones have served 38,000 international guests, processing nearly 1.9 million transactions with a total amount close to 1 billion yuan [1] - In addition to supporting UnionPay cards and QR code payments, the system has been expanded to include VISA, MasterCard, JCB, and American Express for subway access, allowing cardholders to easily tap their cards at 523 subway stations in Beijing [1] User Engagement and Transaction Volume - Over 1.37 million users from more than 137 countries and regions have utilized UnionPay, VISA, MasterCard, JCB, and American Express for subway access, with approximately 1.9 million transactions amounting to over 9.7 million yuan [1]

Group 1: Digital Currency Development - The National Internet Information Office released a draft regulation encouraging the use of electronic documents in trade, logistics, and finance, promoting the digitalization of business operations and the use of digital RMB for cross-border payments [1][2] - The global cross-border payment landscape is dominated by the SWIFT agent model, but the digital RMB and related systems like CIPS are expected to see growth opportunities [1][2] Group 2: Market Growth and Trends - Licensed cross-border payment institutions have reported strong growth, with annual transaction amounts doubling this year, driven by policy incentives for digital RMB usage [1][2] - Airwallex has expanded its global presence, establishing 26 offices and a local team of over 1,800, with annual revenue reaching $900 million, a 89% increase year-on-year [6] Group 3: Regulatory Environment and Compliance - The European market prioritizes consumer protection, data privacy, and financial system stability, presenting a high compliance threshold for companies [7] - Airwallex is adapting to European regulations by integrating local and global operational frameworks to meet diverse market needs [7][8]

Core Insights - The report by China UnionPay and Visa outlines the current state and trends of the global and Chinese payment industry, highlighting that China's payment ecosystem is now characterized by global scale, deep technological integration, and diverse coexistence [1][2] Group 1: Global Payment Industry Trends - The global payment industry is undergoing profound changes, with trends of fragmentation and infrastructure development coexisting [2] - New technologies such as AI, big data, cloud computing, blockchain, and biometrics are reshaping payment processes and user experiences [2] - New payment models like account-to-account payments, buy now pay later, and encrypted wallet payments are rapidly emerging [2] Group 2: Characteristics of China's Payment Industry - The parallel issuance of physical and digital cards has become the mainstream model, with digital wallets emerging as core payment tools [3] - A variety of payment methods, including card swiping, QR codes, NFC, palm scanning, and facial recognition, are widely adopted across multiple high-frequency transaction scenarios [3] - Collaboration among diverse market participants, including commercial banks, card organizations, and non-bank payment institutions, is enhancing operational efficiency [4] Group 3: Challenges in the Payment Industry - The industry is transitioning from a phase of rapid expansion to one focused on structural transformation, necessitating an emphasis on quality and optimization [5] - There is an imbalance in development between the account side and acceptance side, with small acquiring institutions facing significant operational pressures [6] - The lack of unified rules and standards for barcode payments and the need for improved interoperability are limiting further industry growth [6] Group 4: Innovation by Card Organizations - Card organizations like China UnionPay and Visa are actively transforming by leveraging technological innovation and ecosystem development [7] - These organizations are expanding their roles beyond traditional payment processing to include information handling, traffic guidance, and value-added services [7] - China UnionPay is designing differentiated payment solutions tailored to specific scenarios, aligning with government consumption promotion policies [7] Group 5: Future Outlook - The payment industry is entering a new development stage characterized by high-level openness, a multi-faceted market structure, and the transformative impact of new technologies [8] - Continuous collaboration, technological advancement, and international cooperation are essential for achieving high-quality development in the payment industry [8]

Core Viewpoint - The cryptocurrency industry is urging the Bank of England to abandon its proposal to limit the amount of stablecoins individuals can hold, which would impose stricter regulations than those in the US or EU [1] Group 1: Regulatory Concerns - The Bank of England plans to implement a holding limit for all systemic stablecoins, with individual limits set between £10,000 and £20,000, and corporate limits at £10 million [1] - This proposal reflects the Bank of England's concerns that such digital currencies could undermine financial stability by siphoning deposits from the banking system [1] Group 2: Industry Response - The proposal has faced criticism from the cryptocurrency and payments industry, which argues that it would place the UK at a competitive disadvantage compared to other countries and regions [1] - Industry representatives highlight the challenges of implementing such regulations, citing high costs and difficulties in enforcement [1]

Group 1 - The National Internet Information Office is soliciting public opinions on regulations to promote and standardize the application of electronic documents, aiming to enhance the digitalization of cargo trade and logistics, and reduce logistics costs [1] - The regulations encourage institutions and enterprises in cargo trade, logistics, and finance to recognize and use electronic documents, thereby improving digital application levels [1] - The exploration of using digital RMB and other new payment methods for cross-border payments is highlighted, along with the promotion of financial product and service model innovations [1] Group 2 - Fifteen departments, including the State Administration for Market Regulation, released guidelines to accelerate the digital development of quality certification, focusing on key digital equipment and product quality certification services [2] - The guidelines emphasize the development of certification systems for smart agricultural equipment, industrial robots, and other digital products, aiming to meet diverse consumer demands [2] Group 3 - The China National Space Administration announced the successful completion of the second tethered ignition test for the Long March 10 series rocket, which lasted 320 seconds and tested the capabilities of the rocket's engines [3] - The test was conducted at the Wenchang Space Launch Site and involved simultaneous ignition of seven engines, gathering complete test data [3] Group 4 - The People's Bank of China reported that in the first eight months, RMB loans increased by 13.46 trillion yuan, with a notable increase in medium to long-term loans [4] - The total RMB deposits increased by 20.5 trillion yuan during the same period, with a year-on-year growth of 8.6% [4] Group 5 - The Fujian Provincial Government issued an action plan to accelerate the green transformation of the economy, supporting the market-oriented allocation of marine resource factors and the establishment of a marine resource trading platform [5] Group 6 - The Ministry of Finance announced the issuance of 500 billion yuan in special government bonds to inject capital into banks, which is expected to stimulate approximately 6 trillion yuan in credit [6] Group 7 - Morgan Asset Management's CSI A500 Index Fund raised over 2 billion yuan, marking the largest initial fundraising scale for such products this year [7][8] Group 8 - The National Development and Reform Commission and the National Energy Administration issued a notice to improve pricing mechanisms for renewable energy, ensuring equal market participation for projects [9] Group 9 - The Fujian Provincial Government's action plan aims to achieve breakthroughs in data intelligence, hydrogen energy, advanced materials, and health and new medicine sectors, targeting a scale of 300 billion yuan for the energy-saving and environmental protection industry by 2030 [10] Group 10 - The National Internet Information Office is drafting regulations for large online platforms to establish personal information protection supervisory committees to oversee personal information protection [11]