"以前办理泰铢兑换要多方比对汇率，办理速度受到影响，现在直接在银行窗口提交申请，十分钟就能 到账！"昆明锦宇物流有限公司财务部会计孙心萍感慨。 近年来，中国人民银行云南省分行持续推进区域金融改革、推动金融开放。富滇银行在老挝设立的老中 银行，率先开展人民币对泰铢区域交易试点，推动泰铢进入全国银行间市场。从边民互市到重大跨境项 目，人民币在南亚东南亚市场的认可度持续提升。 去年以来，中国人民银行云南省分行持续扩大自动取款机外卡取现功能覆盖面，积极推动跨境二维码互 联互通，越来越多外籍游客用上了二维码支付。目前，云南已与越南、老挝、泰国的12家银行实现了跨 境二维码互联，今年前10个月，云南省银联跨境二维码累计交易金额达1521.02万元。 曾经"换汇难、到账慢"的边贸结算，如今也迈入"秒级结算"新阶段。邮储银行（601658）云南分行针对 已经开立外汇账户的企业，只需提供电子材料，银行购汇就可以将款项付到指定的境外交易对手账户 中。从纸质审核转为电子化审核，企业无需线下奔波，大幅提升了企业国际结算业务效率。 "过去每次带团都要先统计游客兑换人民币数额，有零有整颇费工夫，如今外籍游客在云南的跨境支付 体验越来越' ...

Core Viewpoint - The speech by Lu Lei, Deputy Governor of the People's Bank of China, emphasizes the significant progress in the payment industry, highlighting the need for high-quality development through enhanced interconnectivity and technological innovation in payment services [1] Group 1: Industry Development - The payment services have improved in quality and efficiency, supporting the real economy through collaborative efforts from various industry stakeholders [1] - The construction of a modern payment system has achieved new results, with ongoing high-level openness and deepening industry governance [1] Group 2: Cross-Border Payment Initiatives - The interconnectivity of payment systems is essential for high-quality development, as demonstrated by the successful implementation of the cross-border QR code unified gateway, which began trial operations in late July [1] - The unified gateway adheres to principles of publicness, inclusiveness, and accessibility, allowing eligible market entities to engage in cross-border QR code payment services [1] Group 3: Technological Innovation and Security - The payment industry is urged to accelerate technological innovation to enhance digital payment levels and maintain a leading edge in the global market [1] - A balance between security and development is crucial, with a focus on compliance and innovation to ensure a solid foundation for high-quality development in the payment sector [1]

Core Insights - The 14th "China Payment and Clearing Forum" was held in Beijing, focusing on building a connected payment ecosystem and sharing the future of digital finance [1] - The People's Bank of China (PBOC) is committed to high-quality development of the payment industry, enhancing financial services, and supporting the construction of a strong financial nation [1] Group 1 - The PBOC has successfully constructed new pathways for interconnectivity in rapid payment systems, with the interconnection between mainland China and Hong Kong's rapid payment systems achieved in June this year [2] - Cross-border QR code payment interconnectivity has made significant progress, with the PBOC promoting payment service facilitation for foreign visitors to China, enhancing economic activity through retail payment interconnectivity [2] - As of September 11, the newly launched unified gateway for cross-border QR code payments processed 1.981 million transactions, amounting to 427 million yuan [2] Group 2 - China UnionPay and other clearing companies are actively promoting QR code interconnectivity with countries like Thailand, Vietnam, and Indonesia, aiming to enhance cross-border payment cooperation [2] - The domestic QR code payment interconnectivity is progressing in an orderly manner, with the payment clearing association and market entities collaborating to reduce barriers between different payment networks [2]