这是半佛仙人的第1920篇原创 1 【盛典前，再聚首】 11月28日，中央广播电视总台与广东省人民政府将联合主办一场盛大的鸿蒙星光盛典。 这次盛典，主角不是某一家或者某几家企业，而是中国科技，以及背后的用户、开发者和 生态伙伴们； 叫盛典，不是简单的晚会，更是一场对技术和开发者精神的致敬，一场对所有鸿蒙同路人 的努力的致谢。 盛典之前，放出了个生态伙伴采访片，叫《心路·新路》。 片子好在哪儿？ 很诚恳，也很真实，没有C位，更没有卖惨或者邀功，就是让18位生态伙伴，带着自己的 旧物，像个鸿蒙l o g o同心圆一样坐下来围一起，讲了一遍一路走来的故事。 内容也非常真实，没有什么英雄史诗，你把这18个奋战在前线的伙伴们的经历乘个万或者 百万，就是鸿蒙生态能发展到今天的原因。 听着他们把新物用成旧物的过程，串在一起，就能感到力量或温情。 所以叫星光盛典。 就是因为 众星熠熠，乃成星河 。 2 做系统难吗？太难了。 任何事情0 - 1的过程本来就很难，更何况在操作系统这个理论上早就大结局一二十年的赛 道上。 难到别说投资人不理解，很多公司不理解，就连用户都不理解，他自己成熟的操作系统用 得好好的，凭啥放弃之前的习惯， ...

这是一条属于中国科技、 由千万开发者共同走过的道路。 一个操作系统的成熟和进化，从来不诞生于某个发布会的高光时刻，而是在无数开发者日夜的调试与打磨、一次次版本的迭代和优化中最后累积而成的确定 性体验。鸿蒙生态的独特之处，在于它用极短时间，完成了从技术自主到生态繁荣的跨越，展现出令人瞩目的"中国速度"。 鸿蒙生态的构建，不是某一个开发者或某一家企业的单打独斗，而是成千上万技术人把自己的那一小段时间、那一个小能力，稳稳叠加在一起形成的集体力 量。 今天央视上线的《心路·新路》生态纪实短片，正是这一集体力量的缩影。 一件"旧物"，一段"新路"。当这些物件被庄重地置于中央，最终拼合成一个闪耀的鸿蒙标识时，观众看到的不再是个操作系统的 Logo，而是一个关于"在一 起，就可以"的具象隐喻。这也正是即将于11月28日在深圳龙岗大运体育中心隆重举行的"鸿蒙星光盛典"所要传递的精神内核。 "鸿蒙星光盛典"的主办格局，也反应了中国科技创新的顶层设计与前沿落地。中央广播电视总台与广东省人民政府的联合主办，象征着国家方向与经济大省 的战略协同；深圳市人民政府与央视频、总台广东总共同承办，则体现了创新之城在关键核心技术攻坚中的使命担 ...

转自：新华财经 2025年11月，中国银行云南省分行以"智慧用卡安全支付"为主题，在全省范围内开展了一系列形式多样、覆盖广泛的金融教育宣传活动，通过"厅堂主阵地 +场景化外拓"相结合的方式，精准触达不同群体，筑牢金融消费安全防线。 厅堂变课堂，打造金融知识"充电站" 省分行营业部、昆明市西山支行、昆明市呈贡支行、八一支行等机构，将厅堂巧妙打造成"金融知识普及主战场"，通过悬挂横幅、摆放折页、设置风险提示 牌等方式，营造浓厚的宣传氛围。工作人员化身"金融使者"，现场教学手机银行、数字人民币、云闪付等官方支付工具的使用，指导客户开通交易提醒、指 纹支付、面容支付等功能，提升支付便捷性与安全性。 校园播种，培育金融安全"新生力量"。保山市分行、楚雄州分行联合高校开展"安全支付进校园"系列讲座，结合趣味问答、情景模拟（如扮演诈骗分子与受 害者）等互动形式，生动讲解校园贷、套路贷的危害，防范"注销校园贷""游戏充值诈骗""网购退款诈骗"等常见骗局。在校园内设置宣传展台，发放卡通版 安全用卡手册，现场指导学生开通支付安全提醒，让金融知识以轻松有趣的方式深入人心。昆明市盘龙支行辖属金实支行走进云南财经大学，发放印有反诈 相 ...

借力数智化，银联正通过新"四方模式"来实现其作为中国银行卡品牌应有的市场地位、竞争力和话语权，进而为国际支付提供中国方案 文｜《财经》记者 张威 唐郡 编辑｜袁满 2025年9月，印尼巴厘岛的工艺品店内，中国游客无需下载当地支付应用，手机扫描商户二维码，便瞬间跳转至熟悉的支付界面。 这一幕"无感支付"场景的落地，背后是中国与印尼跨境二维码互联互通双向试运行的正式启动。 在上述合作中，中国银联（下称"银联"）承担跨境转接清算，蚂蚁国际提供技术支持，中银香港则为人民币结算行。 三方协同发力书写了中国支付出海全新篇章，背后亦有国家政策助推。 2025年7月底，在中国人民银行（下称"央行"）指导下，由支付清算协会与银联联合建设的跨境二维码统一网关（下称"统一网关"）正式上线，支付开放 再度升级。 微信支付、支付宝等多家支付机构纷纷宣布，已接入统一网关，将进一步支持更多的境外钱包在华使用，这标志着中国自主可控的人民币跨境支付体系建 设进入生态协同发力的最新阶段。 显然，跨境支付被给予更高的期待。《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》（下称《建议》）提出，扩大高水平对外开放， 开创合作共赢新局面。并 ...

Core Viewpoint - The People's Bank of China in the Inner Mongolia Autonomous Region is enhancing financial support for the autumn harvest, focusing on optimizing payment services to ensure smooth operations and safeguard national food security [1] Group 1: Optimizing Payment Environment - The People's Bank of China in Inner Mongolia is improving payment networks by upgrading payment acceptance environments at grain purchasing stations and agricultural cooperatives, ensuring timely payments for farmers [2] - The bank is promoting mobile banking and online payment tools in rural areas, facilitating easier access to financial services for farmers [2] - Mobile financial service teams are deployed to remote areas, providing on-site banking services and completing over 7,300 transactions during the harvest season [2] Group 2: Ensuring Smooth Fund Flow - The bank is extending business hours and prioritizing services for grain-related businesses to meet the increased demand during the harvest season [3] - Fee waivers for payment services related to the harvest have been implemented, with a total of 1.8326 million yuan in fees waived for 3,590 agricultural enterprises and individual businesses [3] - A merchant funding management system has been introduced to enhance transparency and efficiency in payments among multiple parties involved in grain collection [3] Group 3: Strengthening Security Measures - Regular inspections of payment environments are conducted to prevent fraud and ensure secure transactions during the harvest [4] - Training for personnel at cash withdrawal service points is emphasized to enhance risk identification and monitoring of unusual transactions [4] - Financial literacy programs are being implemented in rural areas to educate farmers on recognizing fraud and managing financial risks [4] - As of mid-October, the harvest progress in Inner Mongolia reached 40.98%, 9.39 percentage points ahead of the previous year, demonstrating the effectiveness of financial support in accelerating the harvest process [4]

Core Points - The event marked the launch of the "One-Click Reconciliation" cross-regional cooperation among six cities, aiming to enhance the consumer environment through collaborative efforts [1][5] - The initiative is part of the "Three-Year Action Plan for Optimizing the Consumer Environment (2025-2027)" and seeks to expand the "One-Click Reconciliation" model from its origin in Hangzhou to multiple cities [2][5] - The "One-Click Reconciliation" model utilizes digital tools to streamline consumer rights protection, connecting payment platforms and merchants for efficient dispute resolution [2][6] Summary by Sections Event Overview - The event was co-hosted by market supervision departments from Hangzhou, Chengdu, Xiamen, Nanning, Taiyuan, and Lanzhou, highlighting cross-regional collaboration [2][5] - The "One-Click Reconciliation" model has already facilitated over 7,000 self-resolved consumer disputes in Hangzhou, with an 85% success rate [2][5] Cross-Regional Cooperation - The cooperation agreement focuses on enhancing consumer rights protection, improving the quality of the consumer environment, and establishing a mechanism for information sharing and early warning [5][7] - Hangzhou's market supervision bureau will share its successful practices and technical support with partner cities to localize the model [5][7] Platform Launch and Features - The "Safe Consumption Open Platform" was launched, integrating key applications such as "One-Click Reconciliation" and cross-regional collaboration modules [5][6] - The platform will continue to expand its features, including a dynamic evaluation index for safe consumption and one-click return options [5][6] Key Upgrades and Future Plans - China UnionPay's involvement as a clearing institution will enhance transaction traceability, ensuring that consumer rights channels remain open even if merchants change payment tools [6] - The platform aims to simplify the adoption of its features for partner cities, reducing technical barriers and costs [6][7] - The initiative encourages more cities and financial institutions to join the collaborative framework to stimulate consumer activity and promote high-quality development [7]

Core Insights - The payment system is a crucial financial infrastructure that supports consumer spending and economic stability in China. The People's Bank of China (PBOC) has made significant advancements in the payment industry during the 14th Five-Year Plan period, establishing a modern payment system that ranks among the world's best [1][2]. Group 1: Development Achievements - The PBOC has achieved a series of breakthroughs, with the payment system processing business growing at an average annual rate of 12.52% over the past five years, making China's total business volume the second largest globally, projected to exceed 12 trillion yuan in 2024 [1]. - Mobile payment transactions are leading globally, with the number of transactions in 2024 expected to be 1.71 times that of 2020. The average payment service fee is below 0.6%, significantly lower than in Europe and the U.S. [1][2]. Group 2: Market Structure - The payment market has evolved into a multi-entity, collaborative structure, with the PBOC optimizing the roles of clearing institutions, commercial banks, payment institutions, and industry associations to provide diverse and efficient payment services [2]. - The China Payment and Clearing Association plays a self-regulatory role, maintaining fair competition and promoting high-quality development in the payment clearing industry [2]. Group 3: Regulatory Framework - The payment industry has entered a new phase of compliance and sustainable development, with the introduction of the "Non-Bank Payment Institutions Supervision and Management Regulations," marking a significant regulatory milestone [3]. - The PBOC employs both on-site inspections and off-site supervision to address illegal activities in the payment sector, focusing on risk prevention across the entire payment process [3]. Group 4: Service Accessibility - The payment service landscape has diversified, with non-cash payment transactions reaching 23 trillion in number and 22.6 trillion yuan in value, representing 2.34 times and 1.34 times the volume during the previous five-year period, respectively [4]. - Innovations such as facial recognition payments and enhanced services for the elderly have improved accessibility, bridging the digital divide and ensuring that payment services reach rural areas [4]. Group 5: Cross-Border Payment Developments - The PBOC is advancing the construction of a self-controlled cross-border payment system, with the Cross-Border Interbank Payment System (CIPS) processing 175 trillion yuan in cross-border RMB transactions in 2024, a 43% increase year-on-year [5][6]. - Efforts to enhance cross-border payment interoperability include the successful connection of rapid payment systems between mainland China and Hong Kong, facilitating real-time cross-border remittances [6]. Group 6: Foreign Personnel Payment Services - The PBOC has implemented measures to improve payment services for foreign personnel in China, allowing them to register for domestic mobile payment apps using foreign phone numbers and bind foreign bank cards [7]. - The number of active mobile payment users among inbound personnel exceeded 10 million in the first half of 2025, with transaction counts and amounts increasing by 162% and 149% year-on-year, respectively [7].

Core Insights - The payment system is a crucial financial infrastructure that supports consumer spending and economic stability in China. The system has seen significant advancements in recent years, providing secure, efficient, and convenient payment services that bolster the real economy [1] Group 1: Development Achievements - During the 14th Five-Year Plan period, the People's Bank of China has made substantial progress in building a modern payment system that ranks among the world's best. The payment system's business volume has grown at an average annual rate of 12.52%, with a total business volume expected to exceed 12 trillion yuan in 2024. Mobile payment transactions are projected to reach 1.71 times the volume of 2020 [2] - The average payment service fee is below 0.6%, significantly lower than that in Europe and the United States [2] Group 2: Market Structure - The payment market has evolved into a diverse and collaborative ecosystem, with the People's Bank of China optimizing the roles of clearing institutions, commercial banks, payment institutions, and industry associations to provide a wide range of payment services [3] - The China Payment and Clearing Association plays a self-regulatory role, ensuring fair competition and promoting high-quality development in the payment clearing industry [3] Group 3: Regulatory Framework - The payment industry is entering a new phase characterized by compliance and sustainable development. A comprehensive regulatory framework has been established, including the introduction of the first specialized regulation for non-bank payment institutions, marking a new stage in the industry's development [4] - The People's Bank of China has adopted a "zero tolerance" approach to illegal activities in the payment sector, focusing on risk prevention across the entire payment process [4] Group 4: Service Accessibility - The payment services have become more secure, convenient, and inclusive, with a diverse range of payment methods available to meet the public's needs. Since the beginning of the 14th Five-Year Plan, non-cash payment transactions have reached 23 trillion, representing a 2.34-fold increase in volume compared to the previous five years [5] - The rapid adoption of mobile payment services has transformed various transaction scenarios, bridging the digital divide for the elderly and enhancing payment services in rural areas [5] Group 5: Cross-Border Payment Progress - The People's Bank of China is actively promoting the construction of a self-controlled cross-border payment system, with the Cross-Border Interbank Payment System (CIPS) processing 175 trillion yuan in cross-border RMB transactions in 2024, a 43% increase year-on-year [6][7] - The establishment of a cross-border payment platform for digital currencies has been initiated in collaboration with central banks from Hong Kong, Thailand, and the UAE [7] Group 6: Enhancing Foreign Payment Services - The People's Bank of China has implemented measures to improve payment services for foreign nationals in China, including allowing the use of foreign mobile numbers to register for domestic payment apps and enhancing payment guides at key locations [8] - As a result, the number of active mobile payment users among inbound travelers exceeded 10 million in the first half of 2025, with transaction volumes and amounts increasing by 162% and 149%, respectively [8]

Core Viewpoint - The payment system in China has undergone significant development during the "14th Five-Year Plan" period, establishing a modern payment infrastructure that supports economic stability and consumer convenience [2][5]. Group 1: Development Achievements - The People's Bank of China has made substantial progress in building a robust payment infrastructure, enhancing dual openness, and fostering a vibrant industry ecosystem, achieving a modern payment system that ranks among the world's best [2][3]. - The annual growth rate of payment system transactions has averaged 12.52% over the past five years, with the total transaction volume expected to exceed 12 trillion yuan in 2024 [2]. - Mobile payment transactions have increased to 1.71 times the volume of 2020, showcasing China's leadership in this sector [2]. Group 2: Market Structure - A diverse and collaborative payment market has emerged, involving clearing institutions, commercial banks, payment institutions, and industry associations working together to provide efficient payment services [3]. - The China Payment and Clearing Association plays a crucial role in maintaining fair competition and promoting high-quality development within the payment industry [3]. Group 3: Regulatory Framework - The establishment of a regulatory legal framework for the payment industry has been accelerated, with the introduction of the "Non-Bank Payment Institution Supervision Management Regulations" marking a new phase in industry development [4]. - A "zero tolerance" approach is adopted to address illegal activities in the payment sector, focusing on comprehensive risk prevention across the payment process [4]. Group 4: Service Enhancement - The payment service landscape has evolved to include various payment methods, meeting the diverse needs of consumers, with non-cash payment transactions reaching 23 trillion in volume and 22.6 trillion yuan in value during the "14th Five-Year Plan" [5]. - The rapid adoption of mobile payment has transformed consumer behavior and facilitated the growth of the digital economy, bridging the payment gap for underserved populations [5]. Group 5: Cross-Border Payment Progress - The construction of a self-controlled cross-border payment system is underway, with the CIPS facilitating cross-border RMB transactions, which are projected to reach 175 trillion yuan in 2024, reflecting a 43% year-on-year increase [6][7]. - Efforts to enhance cross-border payment interoperability have been made, including the successful connection of rapid payment systems between mainland China and Hong Kong, improving efficiency and reducing costs for cross-border transactions [7][8]. Group 6: Foreign Personnel Payment Services - Initiatives to improve payment services for foreign personnel in China have been implemented, including the ability to register for domestic mobile payment apps using foreign phone numbers and bind foreign bank cards [8]. - The establishment of payment service demonstration zones at airports has significantly enhanced the payment convenience for foreign visitors, with active mobile payment users exceeding 10 million in the first half of 2025 [8].

Core Insights - UnionPay International has announced that its Cloud Flash Payment app and partner bank apps will soon support scanning Thailand's national electronic payment system, PromptPay QR codes, marking it as the first international card brand to offer this service for Chinese tourists in Thailand [1][2] Group 1: Partnership and Implementation - The successful implementation of this service is attributed to the deep collaboration between UnionPay International and its Thai partners [1] - A memorandum of cooperation was signed in July 2024, followed by a formal agreement in March 2025, laying the groundwork for the project [1] Group 2: Market Impact - PromptPay, launched in 2016, has rapidly gained popularity, covering millions of merchants in Thailand and becoming a mainstream payment method [1] - The collaboration will significantly enhance payment convenience for Chinese tourists, allowing them to use familiar apps to scan PromptPay QR codes for transactions [1] Group 3: Cross-Border Tourism and Payment Integration - This partnership expands UnionPay's QR code coverage in Thailand's small merchant sector and boosts the recovering cross-border tourism between China and Thailand [2] - As of January to August 2025, nearly 3 million Chinese tourists visited Thailand, maintaining the top position among inbound tourists [2] - UnionPay plays a crucial role in the regional payment network integration, having established comprehensive acceptance and issuance across ten ASEAN countries [2]