Group 1 - The 14th Financial Expo opened on June 26, featuring the launch of five new financial platforms, notably the digital RMB "Guangxin Yu" prepayment consumption guarantee service platform [1] - The "Guangxin Yu" platform is developed through collaboration between the People's Bank of China, Guangzhou Digital Technology Group, and banking institutions, utilizing the digital RMB APP "Yuan Manager" for prepayment fund management [1] - The platform addresses core issues in the prepaid consumption market by employing digital RMB smart contract technology to create a closed-loop management mechanism for prepaid funds, ensuring real-time clearing and safety of consumer funds [1] Group 2 - For merchants, the "Guangxin Yu" platform offers zero-fee withdrawals and interoperability with other mainstream payment platforms, while banks provide low-interest financing products to reduce operational costs [2] - All prepaid funds are controlled by smart contracts, effectively eliminating the risk of fund misappropriation and providing robust technical support for efficient and precise social governance by government departments [2] Group 3 - The digital RMB foreign currency exchange machine supports instant exchange of over 20 foreign currencies, enhancing the payment experience for foreigners in China [3] - The machine has been widely deployed in major airports and hotels, achieving a market share exceeding 90% and facilitating seamless cash access upon arrival [3] - The integration of AI, virtual reality, and big data technologies into banking services is exemplified by the AI digital human front desk machine, which improves service efficiency and customer satisfaction [3]

智通财经6月25日电，有投资者问，中国人民银行总结算中心与香港结算有限公司共同推出"跨境支付 通"，请问对公司业务有什么帮助和促进？海联金汇在互动平台表示，与传统跨境汇款相比，与香港间 的跨境支付通有效缩短了跨境汇款链路，提高了跨境汇款效率，从技术上支持参与机构为用户提供体验 更好的跨境汇款服务。目前，该事项对公司业务没有直接的影响。 3连板海联金汇：跨境支付通对公司业务无直接影响 ...

（原标题：跨境支付(CIPS)概念涨4.47%，主力资金净流入44股） 截至6月23日收盘，跨境支付(CIPS)概念上涨4.47%，位居概念板块涨幅第4，板块内，63股上涨，优博讯20%涨停，吉大正元、神州信息、*ST仁 东等涨停，四方精创、拉卡拉、先进数通等涨幅居前，分别上涨19.97%、13.04%、12.87%。 今日涨跌幅居前的概念板块 | 概念 | 今日涨跌幅（%） | 概念 | 今日涨跌幅（%） | | --- | --- | --- | --- | | 兵装重组概念 | | 5.82 同花顺出海50 | -0.26 | | 电子身份证 | 5.58 | 超级品牌 | -0.04 | | 数字货币 | 5.20 | 猪肉 | 0.09 | | 跨境支付(CIPS) | 4.47 | 白酒概念 | 0.10 | | 可燃冰 | 4.25 | 芬太尼 | 0.10 | | 移动支付 | 3.89 | 养鸡 | 0.24 | | 数据确权 | 3.89 | 特钢概念 | 0.46 | | 财税数字化 | 3.64 | 青蒿素 | 0.46 | | 华为鲲鹏 | | 3.52 高股息精选 | 0.53 | ...

跨境支付概念股快速拉升 吉大正元涨停 智通财经6月23日电，吉大正元涨停，拉卡拉、华峰超纤涨超5%，新国都、优博讯、新晨科技、京北 方、长亮科技、信雅达等跟涨。消息面上，跨境支付通6月22日正式上线运行，这标志着内地与香港快 速支付系统实现互联互通，今后两地居民可实时办理跨境汇款。 ...

Core Insights - The trend of Hong Kong residents traveling to mainland China for consumption has become a norm, with no significant negative impact on local spending in Hong Kong [1][2] - The research indicates that the consumption patterns of Hong Kong residents differ significantly between mainland China and Hong Kong, with a focus on service consumption in the mainland [2][3] Group 1: Consumption Patterns - Hong Kong residents' spending in mainland China is primarily on life services, while local spending is concentrated in retail and dining sectors [1][2] - The study shows that the number of trips made by Hong Kong residents to mainland China has returned to pre-pandemic levels, indicating a stable consumption pattern [1][2] Group 2: Digitalization Impact - The digitalization of services has facilitated over 2 million Hong Kong residents to engage in consumption in mainland China, enhancing the integration of the Greater Bay Area [3] - AlipayHK's cross-border services have evolved beyond simple payments to include various scenarios such as transportation and appointment services, promoting a seamless consumer experience [3] Group 3: Future Outlook - The ongoing trend of consumption in mainland China is expected to persist, with spending levels returning to normal without drastic changes in the short term [2] - The rapid development of digital technology in mainland China has significantly boosted service consumption growth, with small businesses experiencing notable increases in sales and transaction volumes [3]

Group 1 - The training session focused on the integration of content creation and platform operation, exploring innovative paths and business opportunities for local self-media creators and MCN organizations [1][2] - Key topics included decoding platform rules, streamlining the creative process, and identifying collaboration resources, with an emphasis on the flow distribution mechanism and incentive policies of Alipay's Life Number [2] - The session featured a case study of top accounts on the Life Number, showcasing an efficient closed-loop path from policy education to community service and offline conversion, providing a replicable content monetization model for creators [2] Group 2 - The event included a Q&A session where representatives from Ant Group's Digital Livelihood Division engaged in discussions with self-media influencers and MCN operators about platform ecosystem construction and collaboration mechanisms [4] - The Ant Group representative expressed a desire for deeper understanding of Alipay's Life Number and encouraged creators to join, highlighting the platform's potential as a key entry point for connecting users with local services and offering diverse commercial opportunities [4]

Core Insights - The research conducted by the Chinese University of Hong Kong analyzes the consumption behavior of Hong Kong residents in mainland China and its impact on local consumption, revealing that cross-border spending has become a norm since the pandemic recovery [1] - The study indicates that spending by Hong Kong residents in mainland China does not negatively impact local consumption in Hong Kong [1] Consumption Behavior - Hong Kong residents primarily spend on life services in mainland China, accounting for nearly half of their total expenditure, while retail accounts for only 28%. In contrast, retail and dining in Hong Kong represent 58% and 29% of their spending, respectively [1] - The shift in consumption locations has expanded from the Guangdong-Hong Kong-Macao Greater Bay Area to other mainland cities such as Zhongshan, Jiangmen, Chongqing, and Changsha, indicating an increasingly integrated cross-border consumption market [1] Digital Services and Integration - AlipayHK's CEO highlighted that digital services are accelerating the integration of the Greater Bay Area, with over 2 million Hong Kong residents using AlipayHK's cross-border services in the past year, marking a shift from spontaneous to livelihood consumption [2] - The convenience of payment methods has further facilitated the growth of Hong Kong residents' consumption in mainland China [1]

Core Viewpoint - The launch of "Look and Pay" by Alipay in collaboration with Rokid Glasses marks a significant advancement in wearable payment technology, allowing users to make payments through smart glasses using voice commands and QR code recognition [1][2][3] Company Developments - Rokid Glasses is claimed to be the world's first smart glasses capable of processing payments, integrating Alipay's "Look and Pay" feature [2] - The payment process involves users saying the amount and confirming the payment, with transaction details displayed on the glasses [3] - Rokid has reported over 250,000 global orders for Rokid Glasses, with deliveries set to begin at the end of June [6] Industry Trends - The introduction of "Look and Pay" is part of a broader trend where payment institutions like Alipay and WeChat Pay are innovating to enhance user convenience and efficiency in payment processes [4] - Analysts suggest that the push for smart glasses payments is a strategic move by Alipay to capture a new payment entry point and compete with WeChat Pay in the consumer market [4] - The increasing integration of payment capabilities into smart devices is expected to change user interactions with technology, making payments more seamless and accessible [5]

免签政策红利、即时退税服务以及便捷移动支付，正成为外国人来华旅行的三宝。近期，上海升级离境 退税"即买即退"服务，通过与支付宝、中国银行合作，支持全球入境游客用支付宝"碰一下"、"扫一 下"办理即时退税，这也是全球入境游客首个"碰一下"退税服务，这一创新服务将进一步促进国际游客 来华旅行和消费。 在上海新天地商场，西班牙小伙费尔南多（Fernando）体验了这一新服务。第一次来上海旅行的他买了 一个礼物，到达商场退税服务点，签订协议书并办理信用卡预授权后，费尔南多用"支付宝碰一下"轻轻 一碰退税台卡，出示退税码，退税工作人员扫码核实好信息后，税款几秒就打到了他的支付宝。过去几 个月，上海新天地商圈不少商家陆续上线"支付宝碰一下"支付，助力中外消费者便捷支付。 5月，上海市税务局、上海市商务委员会联合支付宝数字政务启动退税升级工作，目前已覆盖恒隆广场 和新天地退税点，后续将陆续覆盖全市离境退税"即买即退"服务点位。在中国人民银行上海总部指导 下，支付宝上线"即买即退"配套支付解决方案，全球游客在这些商场消费后，即可即时退税，提升国际 旅行购物环境的同时，也有助于促进国际游客的消费。 为进一步助力入境游消费，4月 ...

Market Performance - On June 16, 2025, A-shares experienced a slight rebound with the Shanghai Composite Index closing at 3388.73 points, up 0.35% [1] - The Shenzhen Component Index closed at 10163.55 points, up 0.41%, while the ChiNext Index closed at 2057.32 points, up 0.66% [1] - The total trading volume in the Shanghai and Shenzhen markets was 1.22 trillion yuan, a decrease of 252.2 billion yuan compared to the previous trading day [1] - Hong Kong stocks opened lower but closed higher, with the Hang Seng Index rising 0.7% to 24060.99 points and a total trading volume of 229.24 billion HKD [1] - The Hang Seng China Enterprises Index increased by 0.86% to 8729.99 points, and the Hang Seng Tech Index rose by 1.15% to 5299.91 points [1] - In the US market, all three major indices closed higher, with the S&P 500 up 0.94% to 6033.11 points, the Nasdaq Composite up 1.52% to 19701.21 points, and the Dow Jones Industrial Average up 0.75% to 42515.09 points [1] Policy Update - The Ministry of Finance announced that starting from July 1, 2025, Dalian and Hubei will implement a tax refund policy for overseas travelers shopping [3] - This policy is based on various regulations and has been approved by the Ministry of Finance, the General Administration of Customs, and the State Taxation Administration [3]