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 article emphasizes the importance of enhancing consumer spending and financial capabilities to drive high-quality economic development, highlighting the role of financial institutions in implementing the "Special Action Plan to Boost Consumption" [1][8]. Group 1: Strategies to Boost Consumption - The Agricultural Bank of China (ABC) in Pu'er focuses on seven key areas to stimulate consumption, including collaboration with government and enterprises to promote trade-in programs [1]. - ABC has launched various credit card promotional activities targeting key consumption sectors such as food, tourism, and retail, resulting in a total of 120,000 yuan in benefits this year [2]. - The bank has optimized financial products and services, with personal consumption loans reaching 2.09 billion yuan, an increase of 112 million yuan since the beginning of the year [2]. Group 2: Financial Support for Small and Micro Enterprises - ABC has introduced tailored financial products for small and micro enterprises, including "Micro Loan" and "Science and Technology Loan," to address their unique financing challenges [5]. - The bank has implemented a "no repayment" renewal loan policy, providing 25.237 million yuan in support to nearly 33 clients, with a total loan balance for small enterprises reaching 4.998 billion yuan [6]. - ABC has established a professional service team to assist small businesses with policy interpretation and financial management, enhancing their operational stability [5]. Group 3: Consumer Rights Protection and Financial Literacy - The bank has strengthened consumer rights protection by establishing a comprehensive management system and conducting financial education activities, reaching over 804,679 consumers since 2025 [4]. - ABC aims to enhance consumer financial literacy through diverse educational initiatives, fostering a safe consumption environment and boosting consumer confidence [10]. Group 4: Future Focus Areas - ABC plans to intensify cooperation with government and enterprises to promote trade-in policies and support key consumption sectors such as housing, automobiles, and home decoration [8]. - The bank will enhance financing support for the consumer industry, particularly in catering, retail, and tourism, to alleviate financial pressures on small businesses [9].