2019年，在中国人民银行的指导下，第一张银联乡村振兴卡在陕西省铜川市发行。6年来，中国银联已联合 243家商业银行发卡，累计服务超过1亿持卡人，同时与104家商业银行一起，在农村地区设立了普惠金融服务站， 让小额取款、转账汇款、现金汇款、代理缴费等基础金融服务惠及乡里。 中国银联本次升级的乡村振兴卡产品与服务体系，深度聚焦县域及农村客群日常生产生活需求，提供便捷服 务和安心保障。一是打造金融与反诈知识普及专区，提升县域及农村持卡人风险防范能力；二是丰富医疗服务内 容，提供各类线上购药、体检、齿科、医疗问诊、预约陪诊等优惠购买服务，缓解乡村医疗资源不足；三是定制 专属骑行保险套餐，为农民农业生产与农村生活增添保障；四是提供法律咨询优惠购买服务，满足县域及农村持 卡人的日常法律需求，助力提升县域农村基本公共服务水平。 中国银联积极推动支付受理网络及便民服务向县乡及农村基层深度延伸。如今，银联支付渠道广泛覆盖县域 农村地区商场、便利店、餐饮、公交、加油站等日常消费场景，已构建起安全、无障碍的乡村支付生态。同时， 中国银联积极承接各地政府消费券发放工作，截至2025年8月末，累计发放消费券近1500亿元，直接带动消 ...

Core Viewpoint - The aging population in China has prompted a focus on "pension finance" as a key area for policy development, with the aim of providing better financial services for the elderly [1][14]. Group 1: Policy and Strategic Initiatives - In October 2023, "pension finance" was highlighted as a priority in the Central Financial Work Conference, emphasizing the need for improved financial services for the elderly [1]. - The State Council issued guidelines in March 2024 to enhance payment services for the elderly, addressing their payment difficulties [2]. Group 2: Product and Service Innovations - China UnionPay upgraded its Cloud Flash Payment APP to a "Caring Version" tailored for elderly users, simplifying the interface and enhancing usability [4]. - The Caring Version of the APP includes essential services like transportation codes, recharge centers, and electronic social security cards, making digital payments more accessible for the elderly [4][6]. Group 3: Community Engagement and Support - UnionPay has initiated volunteer services in collaboration with local communities to educate the elderly about financial safety and digital payment usage [6]. - The company has launched various specialized card products for the elderly, such as the "Jinxiu Fanhua" credit card, which offers benefits tailored to their consumption habits [7]. Group 4: Comprehensive Elderly Care Services - UnionPay is exploring innovative models in the elderly care service sector, integrating its payment capabilities with social security systems to enhance service delivery [9]. - The "Ruyi" elderly care service platform allows multiple payment methods for meal services, addressing the challenges faced by elderly individuals in accessing food [11]. Group 5: Financial Security and Regulation - To safeguard elderly individuals' financial assets, UnionPay has developed a "Pension Fund Supervision Platform" to ensure secure and convenient payment channels for elderly care institutions [13]. - The platform provides various payment options and regulatory functions to enhance the safety and efficiency of pension fund management [13].