中国央行近日在北京举行媒体吹风会，会上透露，外籍来华人员使用移动支付的意愿大幅提升。数据显示，2024年上半年前来中国的入境人员中，超过500万人选择使用移动支付方式进行交易，相比去年同期增长4倍。交易笔数达到9000多万笔，交易金额更是增长了七倍，达到140多亿元人民币。
中国央行支付结算司司长严芳在会上表示，这一成果得益于央行在支付便利化方面所做的努力。目前，外籍来华人员可以灵活选择银行卡、现金、移动支付等多种支付方式，并且在各类场景中都能方便地进行支付。此外，重点商户的外卡受理覆盖率显著提高，境外银行卡支付量也大幅增加。
央行还指导支付机构在风险可控的前提下，扩大了“外卡内绑”和“外包内用”的业务范围，优化了业务流程，并大幅提升了交易限额。同时，还开展了用户分层认证试点，改善了使用体验。这意味着外籍来华人员可以直接使用境外手机号注册支付宝、微信，并绑定境外银行卡进行支付。
支付宝数据显示，2024年上半年，入境宾客使用支付宝消费金额同比增长了8倍。此外，外币兑换需求也得到了有效保障，现金使用环境持续优化。外籍来华人员可以在全国多个银行网点、外币兑换设施和ATM机方便地兑换人民币。同时，境外来华人员开户也更加便捷。
央行此举不仅提升了支付便利性，也增强了中国作为国际旅游目的地的吸引力，为外籍人士提供了更多样化的支付选择，同时也为中国支付行业的高质量发展注入了新的活力。
英语如下：
News Title: “Foreigners’ Payment Preferences Soar in China, with Mobile Payments Becoming a New Trend”
Keywords: Mobile Payment, Four-fold Growth, Foreigners Coming to China
News Content:
The People’s Bank of China recently held a media briefing in Beijing, during which it was revealed that the willingness of foreigners coming to China to use mobile payment has significantly increased. Data shows that in the first half of 2024, over 5 million foreign visitors to China chose to use mobile payment for transactions, a fourfold increase from the same period last year. The number of transactions reached more than 90 million, and the transaction volume grew sevenfold, totaling over 14 billion yuan.
At the meeting, Yan Fang, the director of the Payment and Settlement Bureau of the People’s Bank of China, stated that this achievement is due to the central bank’s efforts in facilitating payment convenience. Currently, foreign visitors to China can flexibly choose from a variety of payment methods including bank cards, cash, and mobile payments, and can conveniently make payments in various scenarios. Additionally, the coverage of foreign card acceptance at key merchants has significantly improved, and the volume of foreign bank card payments has also increased substantially.
The central bank has also guided payment institutions to expand the scope of “foreign card domestic binding” and “foreign service domestic use” under the premise of controllable risks, optimize business processes, and significantly increase transaction limits. Moreover, pilot projects for user stratified authentication have been initiated to improve user experience. This means that foreign visitors can now directly register Alipay or WeChat with their overseas mobile phone numbers, and bind overseas bank cards for payments.
According to Alipay data, the consumption amount paid by foreign visitors using Alipay grew by eight times year-on-year in the first half of 2024. Additionally, the demand for foreign currency exchange has been effectively guaranteed, and the cash usage environment has continued to improve. Foreign visitors can conveniently exchange RMB at numerous bank outlets, foreign currency exchange facilities, and ATMs across the country. Moreover, opening accounts for foreign visitors has become more convenient.
This move by the central bank not only enhances payment convenience but also enhances China’s attractiveness as an international tourist destination, providing foreigners with a more diverse range of payment options, and injecting new vitality into the high-quality development of China’s payment industry.
【来源】http://www.chinanews.com/cj/2024/07-26/10258325.shtml
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