依据2024年7月施行的《非银行支付机构监督管理条例实施细则》（下称《细则》），非银行支付 机构拟变更董事、监事或者高级管理人员，应当向中国人民银行的分支机构提交申请，由中国人民银行 的分支机构受理、初步审查后报中国人民银行审查、决定。此外，无论是变更主要股东、业务类型，还 是名称或注册资本，均有提交申请、监管审查步骤。 博通咨询首席分析师王蓬博对记者分析指出，此次汇联通支付因高管变更未经审批而被罚，虽事由 看似程序性，却凸显了部分支付机构在公司治理上的薄弱环节。这提醒所有持牌机构，合规不仅体现在 反洗钱、资金安全等操作层面，更应贯穿于公司治理的全过程。此外，提醒支付机构应根据新规尽快建 立健全内部决策机制，严格遵守《非金融机构支付服务管理办法》监管要求，同时加强与属地监管部门 的沟通，将公司治理合规纳入全面风险管理体系，提升治理透明度与规范性。 人民银行贵州省分行近日发布的行政处罚信息显示，贵州汇联通支付服务有限公司（下称"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。时任汇联通支付法定代表人的陈某因对上述违法行为负有责任，被罚款5万元。 据悉， ...

Group 1 - Meituan collaborates with KFC to provide meal subsidies for delivery riders, launching a new "three-piece set" meal package, with a daily average of nearly 10 million meals offered across over 10,000 KFC stores nationwide [1] - SC Ventures, a subsidiary of Standard Chartered Bank, plans to establish a $250 million fund focused on investing in digital assets within the financial services sector, with support from investors in the Middle East, set to launch in 2026 [2] - Tianyi Cloud and Inspur have jointly developed a hybrid cloud intelligent computing integrated machine, which has been recognized as one of the top ten typical cases of high-quality digital transformation by the China Academy of Information and Communications Technology [3] Group 2 - Douyin reports a 67% decrease in the exposure of rumors on its platform over the past quarter, following the launch of the "AI Douyin Truth" feature aimed at providing users with fact-checking and clarification on misleading content [4] - New Stone Technology has received the first license for unmanned delivery vehicles in Abu Dhabi, marking a significant step towards commercializing unmanned delivery services in the Middle East [5] - Lenovo's Monterrey manufacturing base in Mexico has been recognized as the first "Lighthouse Factory" for Chinese enterprises in the Americas by the World Economic Forum and McKinsey [6] Group 3 - Hikvision has won the China Quality Award for its innovative "Smart Quality" management model, marking a breakthrough for Zhejiang manufacturing in national quality awards, with quality management maturity increasing from 82.66% in 2020 to 86.75% in 2024 [7] - Tianyong Intelligent has formed a strategic partnership with PaoNiKe Robotics to promote the large-scale application of humanoid robots in China, marking its entry into the humanoid robot sector [8][9] - Luxshare Technology's subsidiary plans to launch a home-based AI service robot, collaborating with Kepler Robotics and a leading domestic cross-border e-commerce company [10] Group 4 - Zhou Hongyi, founder of 360 Group, stated that the market potential for industrial professional intelligent agents is ten times greater than that of traditional software, emphasizing the efficiency and cost-reduction benefits of these agents [11] - The Ministry of Commerce and nine other departments have released measures to expand service consumption, including a series of promotional activities and support for high-quality consumption resources [11] - Guizhou Province will implement a tax refund policy for overseas travelers starting October 1, 2025, as part of its efforts to enhance the shopping experience for international visitors [11] Group 5 - Guangdong Province has issued an action plan to accelerate the integration of AI and robotics in the toy industry, promoting the development of new AI toy products and applications in various scenarios [12]

Summary of Key Points Core Viewpoint - Lakala has seen significant trading activity on September 16, with a total of 3 block trades amounting to 3.1 million shares and a total transaction value of 63.92 million yuan, indicating strong institutional interest despite a discount relative to the closing price [2][3]. Trading Activity - The total transaction volume for the block trades was 3.1 million shares, with a total value of 63.92 million yuan [2]. - The transaction price for all trades was 20.62 yuan, which represents a discount of 21.72% compared to the closing price of 26.34 yuan on the same day [2][3]. - Institutional trading desks participated in 2 of the trades, with a total transaction value of 57.736 million yuan and a net purchase of 57.736 million yuan [2]. Recent Performance - Over the past three months, Lakala has recorded a total of 86 block trades, with a cumulative transaction value of 503 million yuan [2]. - On the same day, Lakala's stock closed at 26.34 yuan, reflecting a 2.17% increase, with a trading turnover rate of 4.78% and a total trading volume of 918 million yuan [2]. - The net inflow of main funds for the day was 81.97 million yuan, and over the past five days, the stock has increased by 3.33% with a total net inflow of 18.29 million yuan [2]. Financing Data - The latest margin financing balance for Lakala is 1.235 billion yuan, which has decreased by 26.88 million yuan over the past five days, representing a decline of 2.13% [3]. - Lakala Payment Co., Ltd. was established on January 6, 2005, with a registered capital of 788.0825 million yuan [3].

来源：上海证券报·中国证券网 未来，中国银联愿与产业各方一道，以更开放的心态、更务实的行动，共建充满活力、优势互补、共生 共荣的支付生态。 二是"百花齐放"的竞合愿景，基于监管部门制定的统一规则标准，鼓励产业各方将市场竞争焦点， 从"内卷式低价竞争"转向"提供优质产品和服务"。 三是"海纳百川"的开放愿景，通过开放共享，打破"小院高墙"，各类机构能够以更低成本接入网络，触 达更广泛用户，获得发展机会，整个支付网络的生命力因此提升，最终实现"帕累托最优"。 一是"和合共生"的共赢愿景，商业银行、支付机构、中小金融机构等产业各方，在互联生态中各司其 职、各归其位、各得其利，充分承认并回报各方在价值链中的独特贡献，不以倾轧任何一方的利益为前 提。 四是"行稳致远"的安全愿景，安全与合规是不可动摇的基石，是必须牢牢守住的"底线和红线"，互联生 态应在监管框架内"守正"而行。 本次论坛由中国支付清算协会主办，以"共建支付互联生态 共享数字金融未来"为主题。 上证报中国证券网讯（记者 温婷）记者从中国银联获悉，在9月16日举行的第十四届中国支付清算论坛 上，中国银联党委书记董俊峰在主题演讲中表示，支付因连接而生，因协同而 ...

CoGoLinks结行国际相关负责人表示：在阿联酋获得支付业务许可是公司全球化战略布局的关键里程 碑，我们将以此为契机，进一步深化国际化服务能力，赋能中国企业以及阿联酋本土企业开拓国际市 场。未来，CoGoLinks结行国际将依托阿联酋牌照的辐射效应，构建覆盖中东地区的本地化支付服务体 系，重点解决货物贸易、服务贸易流程中的数字化结算痛点，为企业提供更加安全、便捷、低成本的跨 境收付款服务。 本报讯(记者李冰)日前，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。 由于各国法律法规及金融环境均不相同，在各国申请支付牌照的监管标准及流程各异。支付平台从项目 筹备到申请展业往往需经过较为复杂的程序，且由于海外监管政策、风俗文化与中国存在极大差异，企 业在牌照申请阶段还面临着多重不确定性因素。因此，在海外核心地区申请支付牌照也是检验跨境支付 平台综合实力的"试金石"。 ...

Core Insights - Ant Group's CEO highlighted the evolution of Alipay over the past 20 years, emphasizing that the Chinese mobile payment sector is entering a new innovation cycle driven by technological advancements, regulatory empowerment, and innovative practices [1] Group 1: Innovation Cycles - The first innovation cycle began in 2004 with the rise of online payments, where Alipay's escrow and quick payment services significantly lowered trust barriers, fostering e-commerce growth [2] - The second cycle around 2011 saw the mainstream adoption of smartphones and 3G networks, leading to the emergence of barcode and facial recognition payments, which simplified mobile payments and achieved an 86% coverage rate in China, the highest globally [2] - The upcoming third cycle starting in 2024 will leverage NFC technology, smart cabins, smart glasses, and AI agents, introducing new payment experiences like "tap," "look," and "AI payment" that align with current demands [2][3] Group 2: New Payment Experiences - "Tap" payments utilize NFC technology, allowing users to complete transactions by tapping their phones on payment devices, which has attracted over 200 million users, including seniors and visually impaired individuals [2] - "Look" payments enable users to pay using smart glasses by verbally confirming the amount, addressing the needs of those who cannot use their hands [3] - "AI payment" encompasses a range of services designed for AI environments, including "Payment MCP service," "AI tipping service," and "AI pay," catering to new payment scenarios involving AI tools and agents [3] Group 3: Security and International Services - Ant Group prioritizes security with multi-dimensional safeguards, including 24/7 intelligent risk control, trusted device authentication, and multi-modal identity verification, while maintaining a commitment to "pay with confidence" [3] - For inbound tourists, Ant Group has introduced innovative solutions like "foreign card binding" and "foreign package usage," enabling payments with seven major international card brands and 31 electronic wallets from 12 countries and regions [3] - Alipay has become an essential tool for outbound travelers, facilitating various services such as ride-hailing, ticket purchases, and bike rentals, enhancing the overall travel experience [4]

Core Insights - LeShu Payment received the "Payment Scene Co-Creation Award" from American Express's joint venture in China, recognizing its contributions to the RMB acquiring business and innovative payment solutions [1][5] Group 1: Company Achievements - LeShu Payment has been a core acquiring partner for American Express in China since 2021, focusing on enhancing the acceptance of American Express cards across various sectors including dining, retail, and tourism [5][6] - The company was previously awarded the "Annual Outstanding Contribution Acquiring Partner Award" by the joint venture in 2023, highlighting its technological capabilities and ecosystem collaboration [5][6] Group 2: Industry Collaboration - The partnership between LeShu Payment and the joint venture aims to deepen cooperation and integrate global products and payment innovations, enhancing the acceptance of American Express cards in broader scenarios [6] - The collaboration is expected to provide differentiated services and experiences for both domestic and international merchants and consumers, contributing to higher quality development in the payment industry [6]

Group 1 - The third Guangdong-Hong Kong-Macao Greater Bay Area Development Business Conference was held in Guangzhou, marking the largest attendance with over 1,200 representatives from 30 countries and regions, signaling strong development potential for the Bay Area [2] - Discussions focused on international supply chain collaboration, global trade risk management, cross-border financial cooperation, and commercial legal cooperation [3] - The Greater Bay Area's economic strength has significantly increased, with a projected economic total exceeding $2 trillion in 2024, contributing to 1/9 of the national economic total despite only occupying 0.6% of the land area and 6% of the population [4] Group 2 - The establishment of the Greater Bay Area Exhibition Industry Alliance and the release of the "Greater Bay Area Supply Chain Promotion Report" and "Temporary Arbitration Guidelines for the China (Guangdong) Free Trade Pilot Zone" were key outcomes of the conference [6] - The conference highlighted the need for a resilient, secure, and sustainable international supply chain system as a strategic opportunity for high-quality development in the Greater Bay Area [5] - The integration of resources in emerging technology fields such as quantum computing, biotechnology, and artificial intelligence is seen as a way to enhance collaboration and attract innovation resources [7] Group 3 - The Greater Bay Area is positioned as a crucial hub for global supply chain collaboration, with emphasis on the importance of a complete business ecosystem for testing and scaling new business models [9] - The region is viewed as a significant gateway for China's openness and innovation, with international cooperation expected to enhance stability and sustainability in supply chains [10] - The focus on digitalization in supply chain financing and the promotion of cross-border business travel are anticipated to foster win-win cooperation among global enterprises [9]

Core Viewpoint - The launch of the "Self-Regulatory Management Platform for Acquiring Outsourcing Services" by the China Payment and Clearing Association marks a significant upgrade in the management of payment acquiring outsourcing, aiming to transition the industry from chaotic growth to standardized development [1][4][5]. Group 1: Platform Features and Functions - The new platform integrates various systems for managing outsourcing institutions, including registration, risk information sharing, and self-regulatory evaluation, enhancing the transparency and efficiency of the industry [4][5]. - It allows for user registration, application for registration, and regular reporting of business data, which are crucial for decision-making regarding outsourcing partners [6][7]. - The platform also provides API technical interface specifications for acquiring institutions to facilitate the submission of standardized information [4][8]. Group 2: Industry Context and Challenges - The payment acquiring outsourcing sector has faced numerous issues, including disordered market entry, fragmented cooperation information, and hidden risk transmission, leading to persistent illegal activities [8][9]. - Despite improvements, challenges remain, such as telemarketing and online sales of POS machines by unauthorized vendors, indicating ongoing issues within the industry [9][10]. - The association's previous efforts since 2020 have included establishing a registration management mechanism to enhance market transparency and combat illegal payment behaviors [7][8]. Group 3: Future Directions and Recommendations - The association plans to continue strengthening self-regulatory management in the outsourcing sector to improve compliance and operational capabilities [8]. - Recommendations include establishing automatic linkage mechanisms for consumer complaints and risk information, as well as encouraging the use of AI and big data for enhanced risk control [11].

北京地区2025年"金融教育宣传周"拉开帷幕。9月15日，北京商报记者了解到，本次"金融教育宣传 周"活动以"保障金融权益 助力美好生活"为主题，为期一周，旨在聚焦群众关切开展金融知识普及，帮 助金融消费者和投资者理性选择金融产品，远离虚假宣传、非法中介、非法金融和电信诈骗等侵害。 为金融消费者送上"消保大餐" 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。 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，让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，北京商报记者来到了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 ...