1月8日，国家医保局发布通知，将在全国范围内大力推广刷脸、扫码、手机支付和信用支付等便捷缴费方式，力争用3年左右时间让看病缴费变得更加方 便快捷。 国家医保局表示，将通过多种渠道宣传这项惠民政策，让公众了解并使用新型支付方式，切实改善就医体验。 来源：国家医保局、北京日报 本公众号原创及转载文章、图片、视频等（包括），版权归原作/译者所有，如您对文章、图片、视频有权利要求，可留言或通过邮箱、电话与中国医药 物资协会信息宣传部联系，我们将及时回复。原创文章除特别声明外，欢迎非商业转载，敬请注明出处。 1月8日，国家医保局发布通知，将在全国范围内大力推广刷脸、扫码、手机支付和信用支付等便捷缴费方式，力争用3年左右时间让看病缴费变得更加方 便快捷。 | 名称: | 国家医疗保障局办公室关于大力推进刷脸支付、一码支付、移动支付、信用支付等便捷支付工作的通知 | | --- | --- | | 索引号: | 2026-04-00003 发文字号: | | 发布日期: | 2026-01-08 发布机构: | 国家医保局介绍，各地医保部门将重点解决公众反映强烈的"多次排队""排长队"等实际问题。今后在门诊、急诊和住院时， ...

支付环境的优化，带来的不仅是便捷，还有农牧民生活方式的深刻改变。他们手握"移动钱包"，畅享手 机银行、第三方支付等服务，切身感受到数字经济带来的获得感和幸福感。曾经耗时耗力的缴费、取款 业务现在几分钟就能搞定，非现金支付的普及减少了现金携带和保管的风险，交易记录清晰可查，农牧 民生产生活更安心。 目前，山南市已形成以物理网点为基础、助农取款服务点为延伸、移动支付为补充的立体化农牧区支付 服务体系。截至2025年10月末，山南市助农取款服务点共615个（含金融综合服务站15个），共发生业 务20.18万笔、金额1.69亿元，其中查询业务5.53万笔，取款业务12.96万笔、金额1.14亿元，转账业务 1.68万笔、金额5400万元。 "以前取个钱要跑几十里路到隔壁镇上，现在村里小卖部就能办，买完东西顺手就把现金取了，真方 便！"谈起如今的变化，西藏山南市浪卡子县普玛江塘乡沙藏村牧民多吉脸上洋溢着笑容。 普玛江塘乡平均海拔5373米，是全国海拔最高的行政乡，曾长期是金融服务的"洼地"。为了让现代支付 服务的阳光照进高原深处和田间地头，中国人民银行山南市分行指导银行业金融机构打出一套服务"组 合拳"：引导"银行驿站 ...

Core Insights - The People's Bank of China reported significant growth in digital payment transactions in Q3, indicating a recovery in consumer spending and a shift in payment habits [1][3] Group 1: Non-Cash Payment Statistics - In Q3, banks processed 1,685.08 billion non-cash payment transactions amounting to 150.34 trillion yuan, while in the same period of 2024, the figures were 1,545.16 billion transactions and 132.24 trillion yuan, showing a substantial increase compared to Q2 [3] - Electronic payment transactions reached 775.54 billion, totaling 82.30 trillion yuan, with online payments at 181.4 billion transactions (67.80 trillion yuan) and mobile payments at 556.94 billion transactions (12.99 trillion yuan) [3] Group 2: Trends in Payment Methods - The increase in transaction amounts, despite a slight decline in transaction numbers, suggests a recovery in third-party payment transactions, particularly in large online payments, indicating a shift towards higher-value transactions [4] - Analysts noted that consumers are increasingly opting for larger purchases or accumulating high-frequency small payments, reflecting an upgrade in consumption structure and a growing demand for high-quality goods and services [4][5] Group 3: Market Dynamics - The market is transitioning from a focus on transaction volume to transaction value, with payment institutions prioritizing the enhancement of each transaction's worth rather than merely increasing transaction counts [5] - Companies like Tencent and Lakala reported growth in commercial payment amounts, driven by strong online payment growth and improved trends in offline payments, particularly in retail and transportation sectors [5] Group 4: Challenges in Traditional Payment Methods - Despite the growth in QR code transactions, traditional card transaction volumes are declining, with Lakala reporting a 13.72% drop in card transaction amounts [6] - Regulatory measures targeting illegal practices in card transactions have led to a contraction in traditional payment models, while increased competition in the domestic market is squeezing profit margins [6] - Future trends indicate that QR code payments will dominate the small payment market, especially among small and micro merchants, while card payment processing will continue to face pressure [6]

Core Insights - The People's Bank of China reported significant growth in digital payment transactions in Q3, indicating a recovery in consumer spending and a shift in payment habits [1][2] Group 1: Non-Cash Payment Growth - In Q3, banks processed 1,685.08 billion non-cash payment transactions amounting to 150.336 trillion yuan, showing a year-on-year increase in transaction volume and value [1] - The increase in non-cash payments is attributed to credit transfers and electronic payments, driven by the central bank's relaxation of transfer limits and improvements in payment systems [1][2] - Electronic payment transactions reached 775.54 billion, totaling 82.297 trillion yuan, with online payments at 181.4 billion transactions worth 67.797 trillion yuan and mobile payments at 556.94 billion transactions worth 12.996 trillion yuan [1] Group 2: Third-Party Payment Institutions - Third-party payment institutions processed 3,380.19 billion online payment transactions worth 85.28 trillion yuan in Q3, reflecting a recovery in transaction scale despite a slight decline in transaction volume compared to previous periods [2] - The increase in transaction value suggests a shift towards larger transactions, indicating a change in consumer behavior towards higher-quality goods and services [2][3] - Companies like Tencent and Lakala reported growth in payment transaction values, with Lakala's QR code transaction amounting to 1.04 trillion yuan, a 3.5% year-on-year increase [2][3] Group 3: Market Trends and Future Outlook - The growth in digital payments is supported by the expansion of online consumption scenarios and advancements in payment technologies, enhancing security and convenience [3] - Despite the growth in QR code transactions, traditional card transaction volumes are declining, with Lakala reporting a 13.72% decrease in card transaction value [3][4] - The future outlook suggests that QR code payments will dominate the small payment market, while card payment services will face ongoing pressure, particularly in B2B and cross-border transactions [4]

北京商报讯（记者 岳品瑜 董晗萱）12月4日，记者注意到，人民银行官网发布三季度支付体系运行总体 情况。多项数据变化尤其体现在数字支付方式产生的交易金额提升，这不仅释放出消费回暖的信号，也 体现出消费结构变化与用户支付习惯的转变。 三季度，全国银行共办理非现金支付业务1685.08亿笔，金额1503.36万亿元。同比来看，2024年三季 度，全国银行共办理非现金支付业务1545.16亿笔，金额1322.42万亿元，环比也远高于二季度数据。 新智派新质生产力会客厅联合创始发起人袁帅同样认为，单笔支付的额度在显著提升，反映出消费者在 进行网络支付时，更倾向于进行大额消费，或高频次的小额累积消费达到了更高总额，这可能意味着消 费结构在升级，消费者对于高品质商品和服务的需求在增加。而笔数规模未随金额同步增长，暗示支付 市场正从"量增"向"质升"转变，支付机构或更注重提升每笔交易的价值，而非单纯追求交易笔数的扩 张。 这一趋势在腾讯三季度财报中得到印证。"商业支付金额增速较二季度提升，得益于线上支付金额强劲 增长，以及线下支付金额趋势改善，尤其是在零售和交通行业。" 拉卡拉三季报显示，扫码交易金额为1.04万亿元，同比 ...

Core Viewpoint - The event aims to enhance the payment convenience for foreign visitors in China during the 12th China Jiaozuo International Tai Chi Competition and the 2025 Yuntai Mountain Tourism Festival, showcasing various payment tools and services [1] Group 1: Payment Services Promotion - The bank conducted promotional activities at foreign currency exchange points and competition venues, introducing payment tools such as QR code payments and mobile banking [1] - A consultation desk for foreign payment services was set up outside the opening ceremony venue, providing multilingual payment service guides to foreign athletes, tourists, and staff [1] - Staff demonstrated mobile payment processes on-site to help foreign visitors quickly learn how to use mobile payment methods [1] Group 2: Financial Services Strategy - Optimizing payment services and enhancing payment convenience have become significant initiatives in China's financial sector to meet diverse payment needs and stimulate consumption and economic growth [1] - The bank has a history of providing efficient overseas remittance and visa processing services for clients with study abroad and travel needs, indicating a commitment to comprehensive outbound financial services [1] - The bank plans to continue improving payment service levels to support high-quality regional economic development [1]

Core Viewpoint - The event highlighted the collaboration between CITIC Bank's Jiaozuo branch and the People's Bank of China to enhance payment services for foreign visitors in China during the 12th China Jiaozuo International Tai Chi Competition and the 2025 Yuntai Mountain Tourism Festival [1] Group 1: Payment Services Enhancement - The bank conducted promotional activities at foreign currency exchange points and competition venues to inform foreign visitors about various payment tools and services, including QR code payments and mobile banking [1] - A consultation desk was set up outside the opening ceremony venue to provide multilingual payment service guides to foreign athletes, tourists, and staff, detailing commonly used payment methods in China [1] - The initiative aims to optimize payment services and improve convenience, addressing the diverse payment needs of different groups to stimulate consumption and economic growth [1] Group 2: Future Commitment - The bank plans to continue its commitment to enhancing payment services, aligning with the national goal of serving the public through improved payment solutions, thereby supporting high-quality regional economic development [1]

Core Viewpoint - The emergence of new mobile payment methods such as "tap" and "palm scan" offers consumers more convenient and flexible options alongside traditional QR code payments, enhancing the overall payment experience [1][2][3] Group 1: New Payment Methods - "Tap" payment allows users to complete transactions by simply unlocking their phones and tapping them against the payment device, making it faster and more convenient compared to scanning QR codes [1][2] - "Palm scan" payment utilizes dual recognition technology (palm print and palm vein) for identity verification, providing a high level of security and ease of use, especially for elderly users [2] Group 2: Comparison with Traditional Methods - QR code payments remain the mainstream method, known for their familiarity and established security, while new methods like "tap" and "palm scan" are designed to complement rather than replace QR code payments [3] - The flexibility of new payment options aims to make transactions easier and more efficient for consumers, catering to various scenarios and user preferences [3]

Core Viewpoint - The article highlights the efforts of Huishang Bank Nanjing Branch in promoting electronic payment solutions to assist businesses in their digital transformation and enhance payment efficiency [1] Group 1: Electronic Payment Promotion - Huishang Bank Nanjing Branch conducted a promotional event titled "Smart Payment Empowering Enterprises" to educate local businesses about electronic payment [1] - The bank staff detailed the advantages of electronic payments, including convenience, quick fund transfer, and clear transaction records [1] - Demonstrations of various electronic payment tools such as mobile banking, QR code payments, and corporate online banking were provided during the event [1] Group 2: Customized Solutions for Businesses - The bank focused on explaining how electronic payments can reduce operational costs and improve fund management efficiency for financial personnel in businesses [1] - Customized payment solutions were offered to meet the specific needs of enterprises [1] Group 3: Security Awareness - The promotional activities included distributing brochures and interactive Q&A sessions to raise awareness about electronic payment security [1] - Employees were reminded to be vigilant against payment risks to protect both corporate and personal accounts [1] Group 4: Future Initiatives - The event received a positive response from employees, and Huishang Bank Nanjing Branch plans to continue promoting electronic payment applications among small and micro enterprises [1] - The initiative aims to help businesses reduce costs and increase efficiency, thereby injecting financial vitality into the real economy [1]

Core Insights - The article discusses the rapid adoption of Alipay's "Tap to Pay" feature, which utilizes NFC technology, highlighting its user base exceeding 200 million and its presence in over 1,000 scenarios [1][2][4] - The growth of "Tap to Pay" is attributed to substantial subsidies and the maturity of NFC technology, with a current penetration rate of 70% among smartphones in China [2][5] - The article contrasts the efficiency of "Tap to Pay" with traditional QR code payments, noting that the former reduces payment steps and time significantly [8][9] Group 1: Adoption and Growth - Alipay's "Tap to Pay" has seen a user base growth of 1 million users in just four months, doubling the previous growth rate [2][4] - Nearly 100 million users have engaged with at least two "Tap to Pay" services, indicating widespread acceptance [4][5] - The feature has been integrated into various services, including food ordering, package collection, and shared bike rentals, showcasing its versatility [4][5] Group 2: Technology and User Experience - NFC technology allows for a more seamless payment experience, requiring only a tap rather than multiple steps involved in QR code payments [8][12] - The article emphasizes that "Tap to Pay" is not just a new payment method but an upgrade in user experience, leveraging existing user habits with smartphones [5][12] - Despite the advantages, there are still concerns regarding user comfort with new technology, particularly among older demographics [13][16] Group 3: Competitive Landscape - The rise of "Tap to Pay" is part of a broader trend of diverse payment methods competing in the market, including QR codes, facial recognition, and biometric payments [14][15] - The article notes that while "Tap to Pay" is gaining traction, QR code payments remain dominant, with a penetration rate of 92.7% among mobile payment users [6][14] - The competition among payment methods reflects a shift from functionality to user experience, as companies strive to enhance customer satisfaction [16][17]