近些年，有越来越多的人选择使用移动支付，只有一些老年人群体还在使用现金支付。数据显示，2025年第二季度，我国移动支付普及率已达98.7%，日均 交易额突破万亿元。为此，有业内人士预测，在未来20年里，移动支付将完全取代现金支付，而现金支付会逐步退出我们的生活。 不过，在近期央行发布的报告显示：现金在特定场景中的不可替代性仍然突出。尽管移动支付的使用频率，以及普及程度越来越高，现金支付使用场景也较 过去有所减少。但移动支付是不可能完全取代现金支付的。有业内人士表示：从10月起，建议大家开始使用现金支付，背后有5大现实原因： 第一，现金支付可以增强支付的稳定性 而如果使用现金支付，你可以看着自己的钱包变薄，在进行消费的时候就会三思而后行。如果前几天花钱有些过多了，那么这几天就要控制消费支出，努力 做到收支平衡。 第三，现金支付可以保护个人隐私 从表面上看，用移动支付十分方便快捷。但实际上，消费者在方便的同时，个人消费信息都会被移动支付平台所获知。这就会导致手机推送的广告越来 越"懂你"。比如，你刚购买了飞机票，旅游保险电话就打过来了。你刚刚用移动支付购买了婴儿奶粉，相关母婴产品的广告就会铺天盖地的来袭。而如果使 ...

在2025年"金融教育宣传周"活动期间，为切实提升社会公众的金融素养，特别是增强农民工朋友的金融风险防范意识和能力，共享金融发展成果，杭州银行 北京平谷支行积极履行社会责任，精心组织策划了一系列以"普惠金融 守护辛劳"为主题的金融知识普及活动，将实用的金融知识送到农民工朋友身边。 农民工是我国现代化建设的重要力量，他们用辛勤的汗水浇筑城市的高楼大厦，为经济社会发展做出了巨大贡献。然而，由于工作流动性大、信息获取渠道 相对有限、金融知识较为匮乏等因素，他们往往成为金融诈骗的高危群体，同时也难以充分享受现代金融服务带来的便利。平谷支行此次金融知识普及活 动，正是瞄准这一群体的实际需求，旨在打通金融知识普及的"最后一公里"。 8 y A page 4 THICH 语言通俗，沟通零障碍：宣讲人员避免使用专业术语，多用大白话、家常话，甚至结合平谷方言进行讲解，确保沟通顺畅无阻。 案例贴近，产生强共鸣：所选案例尽可能贴近农民工的生活和工作场景，使其更有代入感和警示作用。 注重实用，解决真困难：内容设计紧紧围绕农民工日常生活中最可能遇到的金融问题和需求，突出实用性和操作性。 通过此次金融教育宣传活动，杭州银行北京平谷支行有 ...

Core Viewpoint - The article highlights the efforts of Zheshang Bank Jinan Branch in promoting financial literacy through a three-pronged approach of "education empowerment + digital innovation + grassroots cultivation," aiming to create impactful and sustainable financial knowledge dissemination brands in the context of digital transformation and rising public financial literacy needs [1] Group 1: Media Integration and Innovation - Zheshang Bank Jinan Branch embraces media integration trends, establishing a multi-platform communication network that includes radio, television, short videos, live broadcasts, and long-form articles [2] - The branch's financial advisors have been actively engaging with the public through live broadcasts, providing education on financial rights and safety principles, and addressing hot topics like retirement investment and product selection [2] - The branch has created a series of visually engaging educational materials, such as the "Consumer Protection Monthly Lecture," which simplifies financial risk concepts for better public understanding [2] Group 2: Community Engagement and Educational Initiatives - Since 2020, the branch has partnered with a local elementary school to implement the "Small Financial Volunteer" project, which provides financial education to rural children and integrates legal and safety education [3][4] - The project has reached over 800 students and organized more than 60 volunteer activities, earning recognition as an exemplary case in financial consumer protection and service innovation [6] Group 3: Focus on Fraud Prevention - In response to the rising issue of telecom fraud, the branch has utilized short videos to create awareness, producing themed content that reenacts common scams to enhance the elderly's ability to recognize and prevent fraud [7] - During the Financial Education Promotion Week, the branch's vice president emphasized fraud prevention strategies through live broadcasts, addressing new scam tactics and urging the public to protect personal information [10] Group 4: Future Directions - The branch aims to continue enhancing its media education system, leveraging various platforms to expand the reach and impact of financial knowledge dissemination, thereby fulfilling its social responsibility in creating a safe and orderly financial consumption environment [10]

在金融数字化方面，金融机构加速推进数字化转型，金融科技发展规划明确提出，到2027年实现主要金 融机构数字化率超85%。我国数字金融业态不断丰富，已覆盖支付、信贷、投资、保险、征信等各项业 务，数字支付全球领先。 他提到，目前我国已成为全球移动支付的第一大市场，移动支付平台用户数超过10亿，普及率居全球首 位。2024年中国个人手机银行用户使用比例达88%，93%的企业开通了企业网银。数字人民币试点扩至 17省，雄安新区数字人民币发薪覆盖率超80%。 "我国金融的国际化也取得明显进展。"尹艳林说，离岸人民币债券发行规模创新高，粤港澳大湾区跨境 理财通规模实现突破，跨境保险通、债券通南向交易等新政落地，上海国际金融中心建设顺利推进。数 字人民币国际运营中心已正式开业，跨境支付中人民币占比有望进一步上升。(完) （文章来源：中国新闻网） 中新网青岛9月26日电 (记者尹倩芸)中央财经委员会办公室原副主任尹艳林26日在2025·青岛创投风投大 会上指出，我国已成为推动全球金融变革的重要力量。 尹艳林认为，智能化、绿色化、数字化、国际化是金融现代化的时代潮流。我国提出的做好科技金融、 绿色金融、普惠金融、养老金融、数 ...

Core Viewpoint - The increasing prevalence of mobile payments is leading to predictions that cash payments will gradually fade away, yet cash still holds irreplaceable value in specific scenarios [1][3]. Group 1: Reasons for Keeping Cash - Keeping cash can help respond to emergencies, such as medical situations where electronic payment systems may be down [5]. - Cash payments protect personal privacy, as mobile payment platforms can track spending habits and personal information [7]. - Certain social situations still require cash, such as giving cash gifts at weddings or during holidays, and many rural vendors only accept cash [10]. - Having cash on hand can help control spending, allowing individuals to manage their finances better and avoid overspending through digital payment methods [12]. Group 2: Recommendations for Cash Savings - It is suggested that families should keep between 40,000 to 60,000 yuan in cash, which provides a balance between accessibility in emergencies and not tying up too much capital [12].

Core Viewpoint - The article highlights the initiative by the Bank of China Heilongjiang Branch to promote financial education among students, focusing on safeguarding financial rights and enhancing financial literacy in a fun and engaging manner [1][2]. Group 1: Financial Education Activities - The Bank of China Heilongjiang Branch organized a financial knowledge dissemination event at a primary school in Harbin, incorporating a "Little Banker" simulation to make learning about finance interactive and enjoyable [1]. - Bank staff introduced basic knowledge about the Renminbi and mobile payment concepts, emphasizing security measures such as protecting payment passwords and avoiding scams [1]. Group 2: Student Engagement and Learning - The interactive Q&A session sparked lively discussions among students about "online game recharge scams," allowing them to share personal experiences and learn about prevention methods in a relaxed environment [1]. - A role-playing activity was conducted where students acted out scenarios involving telecom fraud, helping them recognize scam tactics and understand the importance of protecting family finances [1]. Group 3: Future Initiatives - The financial education initiative received positive feedback from schools, parents, and students, with the Bank of China Heilongjiang Branch committing to continue promoting financial literacy and innovating educational activities for broader community impact [2].

北京商报讯（记者 孟凡霞 周义力）9月24日，商务部等八部门联合印发《关于大力发展数字消费共创数 字时代美好生活的指导意见》。其中指出，提升支付便利化水平。推动重点场所开展境内支付宣传活 动，加快银行卡清算机构等与国际支付平台互联互通。加快拓展数字人民币受理覆盖面和应用场景，依 托数字人民币智能化、数字化服务优势和无障碍、适老化服务能力提升数字消费支付便利度。引导银 行、支付机构和清算机构加强合作，充分考虑老年人、外籍来华人员等群体需求，做好适老化、国际化 等服务安排，提升移动支付各环节的友好度和便利性，持续优化消费支付体验。 ...

Group 1 - The report highlights significant achievements in the financial industry during the "14th Five-Year Plan" period, emphasizing both scale and quality improvements in financial services [1][9][10] - By June 2025, China's banking sector total assets reached nearly 470 trillion yuan, ranking first globally, while the stock and bond markets ranked second [11][10] - The report indicates that the direct financing ratio increased to 31.6%, up by 2.8 percentage points from the end of the "13th Five-Year Plan" [11][16] Group 2 - The report suggests five key investment areas based on the achievements of the "14th Five-Year Plan" and trends for the "15th Five-Year Plan": financial technology, capital market services, green finance, technology finance, and cross-border finance [2][25][26] - Financial technology is highlighted as a leading area, with mobile payments at an international forefront and steady progress in digital currency development [2][25] - Green loans grew at an average annual rate exceeding 20% during the "14th Five-Year Plan," with expectations for continued rapid growth in the "15th Five-Year Plan" [2][26] Group 3 - The report emphasizes the significant enhancement of financial services to the real economy, with loans to high-tech enterprises reaching nearly 19 trillion yuan, growing at an annual rate exceeding 20% [14][15] - The capital market's role in supporting technological innovation has accelerated, with over 90% of newly listed companies being technology-related [15][16] - The financial risk prevention and regulatory system has evolved, with a notable reduction in high-risk institutions and assets, ensuring that risks remain controllable [16][19] Group 4 - The report outlines a new pattern of institutional opening in the financial sector, with the removal of foreign ownership limits and an increase in foreign investment in A-shares [20][21] - By July 2025, foreign institutions and individuals held over 10 trillion yuan in domestic stocks and bonds, indicating a growing international presence in China's financial markets [20][21] - The report also notes the deepening of foreign exchange management reforms, facilitating cross-border investment and financing needs [21][24]

Core Viewpoint - The article highlights the significant achievements of China's financial sector during the "14th Five-Year Plan" period, emphasizing the deepening of financial reforms, enhancement of financial services to the real economy, and the ongoing efforts to mitigate financial risks while promoting high-quality development [6][10]. Financial System Reform - The financial system reform has been further deepened, with the establishment of the Central Financial Commission and the Central Financial Work Committee to strengthen the centralized leadership of the Party over financial work [6][7]. - The banking sector's total assets reached nearly 470 trillion yuan, ranking first in the world, while the stock and bond markets ranked second globally [6][7]. Financial Services to the Real Economy - Financial services to the real economy have significantly improved, with annual growth rates exceeding 20% for loans to technology-based SMEs, inclusive small and micro enterprises, and green loans during the "14th Five-Year Plan" [7][10]. - The banking and insurance sectors provided an additional 170 trillion yuan in funding to the real economy over the past five years [15]. Financial Industry Reform and Opening Up - The financial supply-side structural reform has been continuously promoted, with a focus on developing a multi-level financial market and optimizing the financial structure [9][10]. - The number of financial institutions has decreased from over 4,600 in 2019 to 4,295 by the end of 2024, indicating effective risk mitigation efforts [44]. Risk Prevention and Mitigation - Significant progress has been made in preventing and mitigating financial risks, with a focus on orderly handling of high-risk institutions and reducing the scale of high-risk assets [9][44]. - The overall health of the financial system has been maintained, with key regulatory indicators such as non-performing loans and capital adequacy remaining stable [15][16]. Capital Market Development - The capital market has seen substantial growth, with the total market value of A-shares surpassing 100 trillion yuan for the first time [21][22]. - The direct financing ratio has increased to 31.6%, reflecting a steady rise in the importance of direct financing in the economy [22]. Foreign Exchange Management - The foreign exchange market has operated steadily, with foreign exchange reserves remaining above 3 trillion USD, providing a strong stabilizing effect on the economy [29][30]. - The cross-border capital flow has remained balanced, with the international balance of payments showing resilience despite external pressures [29][30]. Future Outlook - The People's Bank of China aims to continue enhancing the financial system and supporting high-quality economic development in the "15th Five-Year Plan" period [10][40]. - The focus will be on building a more open, secure, and efficient foreign exchange management system to contribute to the modernization of China's economy [30][31].

Core Insights - During the "14th Five-Year Plan" period, China's financial sector has achieved significant milestones, including total banking assets nearing 470 trillion yuan, ranking first globally, and maintaining the world's largest foreign exchange reserves for 20 consecutive years [1][2] Financial System Reform - The Chinese government has implemented a series of transformative reforms in financial leadership and regulatory systems, establishing the Central Financial Committee and the Central Financial Work Committee to enhance centralized leadership [2] - A modern financial system is being constructed to promote high-quality development in the financial sector [2] Financial Services to the Real Economy - The People's Bank of China has adopted a supportive monetary policy stance, leading to the formation of a modern monetary policy framework that effectively supports the main goals of economic and social development during the "14th Five-Year Plan" [2] - Financial support for technology-driven small and medium-sized enterprises, inclusive micro and small loans, and green loans has seen an annual growth rate exceeding 20% [2] Financial Industry Reform and Opening Up - Continuous promotion of supply-side structural reforms in finance, deepening institutional reforms, and developing multi-tiered financial markets are key focuses [2] - The financial sector is experiencing a steady push for high-level bilateral opening up, enhancing the level of institutional openness and increasing participation in international financial governance [2] Risk Prevention and Mitigation - The People's Bank of China has effectively addressed several prominent risk points in the financial sector, safeguarding the interests of depositors and small investors [3] - The overall financial system remains stable, with healthy financial institutions and smooth market operations [3] Lessons Learned - The achievements of the past five years in China's financial sector provide valuable lessons that should be consistently applied, emphasizing the importance of serving the real economy and preventing financial risks [3]