地铁里，外籍游客刷外卡直接过闸；出租车内，司机用兑换的"零钱包"向乘客找零；银行网点，老人用 带有"长辈模式"的ATM办理业务……这些看似微小的场景，正拼合出我国支付环境日趋便利的清晰图 景。 如果说涉外支付便利化是打开消费市场的"国际接口"，那么对国内老年群体的支付保障，则是夯实消费 底盘的"民生基石"，这恰恰与《关于金融支持提振和扩大消费的指导意见》中"提升支付兼容性"的要求 高度契合。在人口老龄化背景下，老年群体的支付需求绝非"小众诉求"，而是关乎亿万家庭的"民生大 事"。 为切实满足老年群体的支付需求，各地金融机构精准发力，推出了一系列贴合老年群体习惯的支付服务 举措。截至今年三季度末，重庆累计发放"零钱包"158.6万个，适配老年人的现金使用习惯。云南探索 推进惠农支付服务点成为农村零钱兑换服务站，提供"彩云零钱包"兑换服务，适应农村老年人现金支付 习惯，保障农村地区现金供给。 支付不仅是重要的金融基础设施，更是连接供需双方、激活消费意愿的关键环节。随着扩大内需成为推 动经济高质量发展的战略基点，支付已不再是孤立的"付钱动作"，而是串联生产与消费的经济血脉。任 何群体在支付环节遭遇的"不便"，都意味 ...

"从办理签证到注册公司，再到申请居留许可延期，全程都有专人指导，很贴心。"11月11日上午， 在西咸移民事务服务中心办完签证业务，陕西韦泰克达国际贸易有限公司负责人卡利姆·乌拉赞不绝 口。 同样感受到服务便捷、高效的，还有摩洛哥籍教师阿里。他已经在西咸新区从事教育工作8年。 "这里的办事效率非常高，原来需要半小时才能办好的业务现在不到15分钟就能搞定。"阿里拿着刚 取回的护照，高兴地说。因为服务的"升级"，这次除了拿回签证，他还顺便咨询了学历公证等相关业 务。工作人员的答复让他很满意。 另外，西咸移民事务服务中心还引入了社会化服务资源与特色功能区域：中国银行窗口可办理账户 开立、货币兑换业务；中国移动窗口可办理电话卡，开通"全球漫游"；支付宝窗口提供"外卡内用"便利 旅游消费；"陕西好礼"专区展销本地特色产品与科创成果，助力陕企出海与国际交流；外籍专家书屋通 过各类书籍让外籍人才深入了解中国文化，促进文化融合…… "西咸移民事务服务中心为外籍人才提供了高效、便捷的服务保障，更搭建起人才集聚、产业对 接、投资贸易、文化交流的桥梁。"西咸新区社会事业服务局副局长赵宏庆表示，西咸新区将通过"业务 办理+公共服务+社 ...

Core Insights - The launch of the "Cross-Border Payment Link" on June 22 enables efficient and cost-effective cross-border remittance services between Hong Kong and mainland residents [1] - On the first day of operation, the pilot banks processed 318 cross-border transactions, with a total remittance volume of 628,000 yuan, averaging 2,000 yuan per transaction [1] Cross-Border Payment Details - **Northbound (Hong Kong to Mainland)**: - Remitters must hold a Hong Kong identity card - Daily limit of 10,000 HKD and an annual limit of 200,000 HKD [1] - No remittance proof required [1] - Service available 24/7 [1] - Supported by mobile number and bank account number [1] - **Southbound (Mainland to Hong Kong)**: - Remitters must hold a mainland identity card - Current annual foreign exchange purchase limit of 50,000 USD [1] - No remittance proof required [1] - Service available from 7 AM to 11 PM [1] - Supported by mobile number, email address, and bank account number [1] Innovations in Cross-Border Payment - The "Cross-Border Payment Link" connects the mainland online payment interbank clearing system (IBPS) with Hong Kong's Faster Payment System (FPS), facilitating real-time fund transfers without service fees [1] - China Bank is one of the first pilot banks to facilitate tuition payments for Hong Kong residents at Qianhai International School, enhancing access to medical and educational services [2] - Qianhai has been continuously innovating in cross-border payment services, including the introduction of various payment methods and digital currency applications [2] - Future plans include more cross-border payment innovations to provide residents and businesses with more open and efficient financial services [2]