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 ...

Core Viewpoint - The official launch of the Hainan Free Trade Port's full island closure operation on December 18 marks a new development stage characterized by "one line open, two lines controlled, and free within the island," emphasizing further expansion of openness rather than closure [1] Financial Support and Development - The People's Bank of China has actively promoted financial policies and institutional frameworks suitable for the Hainan Free Trade Port since the release of the overall plan in June 2020, effectively supporting the construction of the port [1] - As of now, all three financial preparations for the closure have been completed, with improvements in cross-border capital flow management systems [1] - The multi-functional free trade account (EF account) has been launched, with a total business volume of 268.9 billion yuan, facilitating capital transfers with 80 countries and regions [2] Loan Growth and Financing Costs - By the end of November, the total balance of various loans in Hainan reached 1.4101 trillion yuan, a year-on-year increase of 11% [2] - Specific sectors such as technology-related industries, green loans, and digital economy loans have seen significant growth, with increases of 9.2%, 25.4%, and 8.4% respectively [2] - The average interest rate for general loans in Hainan was 3.18% as of October, a decrease of 0.34 percentage points compared to the previous year [3] Cross-Border Financial Services - The establishment of a comprehensive system for cross-border financial openness, including monitoring and early warning mechanisms, enhances the ability to prevent financial risks [3] - The People's Bank of China has issued guidelines for cross-border asset management pilot business, with initial applications totaling 5 billion yuan from four institutions [4] Digital Payment Innovations - The digital yuan pilot program is advancing, with significant coverage in various sectors, including duty-free shopping and rural revitalization [5] - The "Hainan Wallet" project has been successfully launched, and mobile payment products have seen transaction numbers and amounts increase by 97.46% and 100.11% respectively [5] - The rapid development of mobile payment products enhances payment convenience and meets diverse consumer needs, contributing to innovation in the payment sector [5]

记者从中国人民银行获悉，为有力支持海南经济社会高质量发展有力有效，央行紧紧围绕海南省现代产 业体系构建，积极落实适度宽松的货币政策，着力做好金融"五篇大文章"，重大战略、重点领域、薄弱 环节的融资可得性不断提升。 金融总量保障有效。2025年11月末，海南省本外币各项贷款余额14101亿元人民币，同比增长11%，高 于全国4.7个百分点。 此外，自贸港金融服务持续优化。数字人民币海南全域试点扎实推进，在离岛免税、民生、跨海、航 空、乡村振兴等多个领域实现数字人民币支付覆盖；线上线下（300959）累计消费笔数、消费金额排名 稳居全国前列。涉外支付便利化水平显著提升，高效推动海口美兰、三亚凤凰两大机场建成"境外来宾 综合服务中心"；成功落地"海南钱包"项目；2025年1月至11月，全省"外卡内绑""外包内用"等移动支付 产品交易笔数和金额同比增长97.46%和100.11%。海南自贸港黄金产业转型升级，2025年12月，上海黄 金交易所三亚指定仓库正式启用。（经济日报记者 勾明扬 姚进） 重点领域支撑有力。2025年10月末，海南省科技相关产业贷款同比增长9.2%、绿色贷款同比增长 25.4%、普惠贷款同比增长 ...

Core Viewpoint - The People's Bank of China, along with 12 departments, has issued a plan to enhance and expand consumption in Beijing, focusing on financial support for the elderly population [1] Group 1: Financial Support for Elderly Consumers - Financial institutions are encouraged to focus on the consumption financial needs of different elderly groups, providing comprehensive financial services tailored to various stages and characteristics [1] - Commercial banks are guided to conduct pilot programs for elderly meal payment convenience in selected chain dining establishments across the city [1] - There is an encouragement for commercial banks to issue and manage exclusive card products for the elderly, with the possibility of issuing region-specific cards to facilitate consumption [1] Group 2: Payment Services Enhancement - Support is provided for payment institutions and banks to expand the application scenarios and subject range of "external card internal binding," promoting product innovation and policy communication [1] - The plan emphasizes optimizing payment services in key consumption scenarios and commercial districts, advancing the construction of barrier-free payment service areas to meet the needs of foreign visitors [1]

Core Viewpoint - The People's Bank of China is enhancing financial services and payment environments for the upcoming China International Fair for Trade in Services, scheduled for September 10-14, 2025, in Beijing [1] Payment Environment - A total of 470,000 "small change wallets" have been exchanged in the city, with nearly 50,000 in the taxi industry [1] - 15,000 cash support signs have been posted, and nearly 30,000 merchants have signed the "Commitment to Resist Refusal of Cash" [1] Card Payment Support - Approximately 18,000 key merchants in the city support foreign cards, focusing on venues, hotels, and surrounding business districts [1] - There have been 470,000 foreign card cash withdrawals amounting to nearly 900 million yuan, and 2.6 million foreign card transactions totaling over 3.1 billion yuan, showing significant year-on-year growth [1] Foreign Currency Exchange - The city has 293 foreign currency exchange points, 19 licensed outlets, and 91 self-service exchange machines [1] - Foreign currency exchange transactions have exceeded 130,000, with an amount close to 300 million yuan, reflecting over 30% year-on-year growth [1] Mobile Payment - Over 10 million foreign visitors have completed nearly 70 million transactions in Beijing, amounting to over 9 billion yuan [1] - The number of bank accounts opened by foreign visitors has surpassed 1.3 million, marking a 60% year-on-year increase [1]

Core Viewpoint - The article highlights the increasing presence of foreign tourists in Shanghai due to the city's efforts to enhance its inbound tourism experience, particularly through improved payment and transportation services [1][2]. Payment Services - Shanghai has a mobile payment penetration rate exceeding 95%, significantly higher than the global average, which is about three times lower than China's [4]. - The Shanghai government has implemented a comprehensive plan to enhance payment services for inbound tourists, aiming for full coverage of foreign card POS services in key commercial and tourist areas by 2024 [4][5]. - In Q1 2025, mobile payment transactions involving foreign cards in Shanghai reached nearly 20 million, amounting to 2.8 billion yuan, with year-on-year growth of 171% and 160% respectively [5]. - The city is developing a multi-layered payment service system that includes options for large card payments, small QR code payments, and cash transactions to optimize the payment experience for foreign visitors [7]. Transportation Services - Shanghai's public transportation has seen significant upgrades, including the expansion of UnionPay card contactless payment across the entire metro network, allowing for seamless travel for both domestic and international cardholders [9]. - The launch of the "Easy Go" platform provides a one-stop service for inbound tourists, integrating various travel-related services such as food delivery, transportation, and ticket booking [9]. - The city's bilingual signage has received positive feedback from foreign tourists, enhancing their travel experience and navigation [10]. Overall Experience - Shanghai is focused on creating a comprehensive and convenient travel experience for foreign visitors through improved payment systems, transportation services, and customer support [10].

Core Insights - The company has become the largest online retail payment clearing entity globally after over seven years of development [1] - The platform processed over 1 trillion payment transactions in 2024, amounting to 520 trillion yuan, with peak cross-institutional network payment transactions reaching 110,000 transactions per second on New Year's Eve 2025 [1] - The company emphasizes its core mission of serving the real economy, connecting over 3,000 commercial banks and payment institutions [2] Group 1 - The platform's system success rate, fund clearing accuracy, and core application system availability have consistently maintained 100% [1] - Since 2024, the industry-wide joint pressure testing system success rate has increased from 95.27% to over 99.99%, with commercial banks' high concurrency processing capability improving by over 40% [1] - The company has established a professional anti-fraud team and a risk information sharing mechanism, utilizing machine learning and knowledge graphs for efficient risk information sharing and interception [1] Group 2 - In the rural finance sector, the platform processed an average of 175 million transactions per day from January to May 2025, a year-on-year increase of 12.87% [2] - The company has launched innovative products like "convenient signing" and "one-click clearing" to enhance payment experiences for the elderly and improve tax payment convenience [2] - The company actively expands cross-border payment services, with total transaction numbers for two innovative products reaching 379 million and amounts totaling 60.439 billion yuan from 2019 to May 2025 [2] Group 3 - The platform has constructed a distributed cloud computing architecture with a processing capacity exceeding 300,000 transactions per second and an average transaction time of 200 milliseconds [3] - A five-layer disaster recovery system has been established to ensure business continuity amid high transaction volumes [3] - The company plans to focus on its primary responsibilities and roles as part of the national financial infrastructure [4]

Core Viewpoint - The article highlights the achievements and advancements of the Network Clearing Company in enhancing financial services and digital transformation in China, particularly in the context of payment systems and risk management. Group 1: Company Achievements - The Network Clearing Company has become the largest online retail payment clearing entity globally, processing over 1 trillion transactions and 520 trillion yuan in transaction value in 2024 [1] - On New Year's Eve 2025, the platform achieved a record of 110,000 cross-institutional network payment transactions per second, maintaining a 100% success rate in system performance and fund clearing accuracy [1] - The company has connected over 3,000 commercial banks and payment institutions, covering various types of financial entities [2] Group 2: Industry Impact - Since 2024, the industry-wide system success rate has improved from 95.27% to over 99.99%, with commercial banks enhancing their processing capabilities by over 40% [2] - The average processing time across the entire network has decreased by 30%, indicating significant improvements in operational efficiency [2] - The platform has strengthened the rural financial market, with an average daily transaction volume of 175 million for rural financial institutions in the first five months of 2025, a year-on-year increase of 12.87% [2] Group 3: Cross-Border Services - Since 2019, the company has launched cross-border services, focusing on compliance and risk control, providing transaction transfer and fund clearing services for domestic and foreign payment institutions [2] - The "external card binding" and "external package internal use" services have seen a total of 379 million transactions and a transaction value of 60.439 billion yuan from 2019 to May 2025 [3] - In May 2025, these services achieved an average of 1.2193 million transactions per day, with a transaction value of 16.997 million yuan, reflecting year-on-year growth of 185% and 135% respectively [3]

Core Viewpoint - The article highlights the advancements and achievements of the Netlink Clearing Company in the financial infrastructure sector, particularly in payment processing and cross-border transactions, showcasing its significant growth and innovation in services offered to enhance user experience and operational efficiency [1][2]. Group 1: Payment Processing Achievements - In 2024, the Netlink platform processed over 1 trillion payment transactions, amounting to 520 trillion yuan [1] - On the eve of 2025, the platform achieved a record of 110,000 cross-institutional network payment transactions per second [1] - The success rate of the platform's systems, along with the accuracy and timeliness of fund clearing, has consistently remained at 100% [1] Group 2: System Performance Improvements - Since 2024, the joint system testing success rate across the industry improved from 95.27% to over 99.99% [1] - The capacity of commercial banks to handle high concurrency increased by over 40% [1] - The average processing time across the entire chain was reduced by 30% [1] Group 3: User Experience Enhancements - The company launched a series of "convenient signing" products, including one-click account binding and multi-account signing [2] - It also introduced "one-click clearing" products to ensure a smooth payment experience for users [2] - As of May 2025, the cumulative transaction volume for treasury services reached 77.51 million transactions, totaling 182.215 billion yuan [2] Group 4: Cross-Border Transaction Services - Since 2019, the company has been providing cross-border transaction services under the guidance of the People's Bank of China, focusing on small-scale QR code payments [2] - From 2019 to May 2025, the total transaction volume for the "foreign card binding" and "outsourcing for internal use" services reached 379 million transactions, with a total transaction amount of 60.439 billion yuan [2] - In May 2025, the average daily transaction volume for these services was 1.2193 million transactions, with an average daily transaction amount of 16.997 million yuan, representing year-on-year growth of 185% and 135% respectively [2]

Core Viewpoint - The article highlights the increasing popularity of "China Travel" in 2024, with various regions prioritizing inbound tourism as a key task for cultural and tourism development by 2025, supported by initiatives to enhance transportation and payment convenience [1][5]. Group 1: Inbound Tourism Development - Multiple regions are focusing on inbound tourism as a significant aspect of their 2025 cultural and tourism development plans, implementing new measures to facilitate travel [1]. - The China UnionPay is accelerating the construction of a cross-border payment ecosystem to meet the growing demand for cross-border payment services from foreign visitors [1][8]. Group 2: Payment Innovations - The "Jinxiu Action" by China UnionPay has led to innovative payment experiences, allowing foreign tourists to use their home electronic wallets linked to UnionPay cards for seamless transactions across various scenarios [5][3]. - UnionPay is collaborating with commercial banks, acquiring institutions, and merchants in 41 key cities to create an inclusive payment system that supports multiple payment methods [5][8]. Group 3: User Experience - Foreign tourists, such as a Thai traveler, report that using their home wallets linked to UnionPay cards eliminates the need for currency exchange, providing a transparent and convenient payment experience [3]. - The system allows automatic currency conversion, enhancing the payment experience for international users, as demonstrated by a Korean student using Naver Pay linked to UnionPay for daily expenses [5][8]. Group 4: Future Directions - UnionPay aims to promote high-level openness through payment innovations, transitioning from convenience to smarter payment services while expanding its global payment network [8].