优化支付服务，满足多元化支付需求
为更好满足不同群体的支付需求，提升支付便利性，国务院常务会议近日审议通过《关于进一步优化支付服务提升支付便利性的意见》。
《意见》强调，要聚焦老年人、外籍来华人员等群体支付不便问题，加强协同配合，加大必要的资源投入，多措并举打通服务堵点。
具体措施包括：
* 提升移动支付便利性：加快推广移动支付，优化移动支付使用体验，降低使用门槛，提高老年人、残疾人等特殊群体的使用便利性。
* 优化银行卡服务：优化银行卡发卡、使用和管理流程，提高银行卡受理覆盖率，完善银行卡异地取现、跨行转账等服务。
* 保障现金支付渠道：维护现金支付渠道畅通，保障老年人、偏远地区居民等群体使用现金的权利，确保现金支付渠道安全、便捷。
《意见》还提出，要加强支付服务监管，防范金融风险，保护消费者合法权益。同时，要加强支付服务创新，探索新技术、新模式，不断提升支付服务水平。
业内人士表示，此举将有效解决不同群体支付不便的问题，促进支付服务更加普惠、便捷。多元化支付方式的并行发展，将满足不同群体的支付需求，提升支付服务质量，助力数字经济发展。
英语如下：
**Headline:** New Policy on Diversified Payment: Unblocking Payment Bottlenecks, Meeting Diversified Demands
**Keywords:** Diversified payment, Convenient service, Optimized policy
**News Content:** Optimizing Payment Services to Meet Diversified PaymentDemands
To better meet the payment needs of different groups and improve payment convenience, the State Council’s executive meeting recently reviewed and approved the “Opinions on Further Optimizing Payment Services and Enhancing Payment Convenience.”
The “Opinions” emphasize the need to focus on the payment inconvenience issues faced by groups such as the elderly andforeign visitors to China, strengthen coordination and cooperation, increase necessary resource input, and adopt multiple measures to unblock service bottlenecks.
Specific measures include:
* Improving the convenience of mobile payment: Accelerating the promotion of mobile payment, optimizing the mobile payment experience, lowering the threshold for use, and improving the convenience of use for special groups such as the elderly and the disabled.
* Optimizing bank card services: Optimizing the process of bank card issuance, use, and management, increasing the coverage rate of bank card acceptance, and improving services such as bank card cash withdrawal and interbank transfer.
* Ensuring cash payment channels: Maintainingthe smooth operation of cash payment channels, safeguarding the right of the elderly, residents in remote areas, and other groups to use cash, and ensuring the safety and convenience of cash payment channels.
The “Opinions” also propose strengthening the supervision of payment services, preventing financial risks, and protecting the legitimate rights and interests of consumers. At the same time, it is necessary to strengthen the innovation of payment services, explore new technologies and new models, and continuously improve the level of payment services.
Industry insiders said that this move will effectively solve the problem of payment inconvenience for different groups and promote more inclusive and convenient payment services. The parallel development of diversified payment methods will meet the payment needs of different groups, improve the quality of payment services, and contribute to the development of the digital economy.
【来源】http://www.chinanews.com/cj/2024/03-07/10175992.shtml
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