中英对照2024关于进一步优化支付服务提升支付便利性的意见.docx

OpinionsoftheGeneralOfficeoftheStateCouncilonFurtherOptimizingPaymentServicestoFacilitatePaymentsDocumentNumber：No.102024of(heGeneralOfficeoftheSlateCouncilAreaofLaw:PaymentandSettlementOptimizationofDoingBusiness1.evelofAuthority：RegulatoryDocumentsoftheStateCouncilIssuingAuthority：GeneralOfficeoftheStateCouncilDateIssued：03-01-2024EffectiveDale:03-01-2024Status:EffectiveOpinionsoftheGeneralOfficeoftheStateCouncilonFurtherOptimizingPaymentSen,icestoFacilitatePayments(No.102024oftheGeneralOfficeoftheStateCouncil)Thepeople,sgovernmentsofallprovinces,autonomousregions,andmunicipalitiesdirectlyundertheCentralGovernment;allministriesandcommissionsoftheStateCouncil;andallinstitutionsdirectlyundertheStateCouncil:Improvingpaymentservices,removingpaymentobstacles,promotingpaymentsfortheconvenienceofpeople,andrealizingseamlessconnectionsbetweendomesticandinternationalmarketsarenecessaryforoptimizingthebusinessenvironment,importantmeasuresforsen,inghigh-qualitydevelopment,andinternalrequirementsforpromotinghigh-levelopeningup.Inrecentyears,mobilepaymentshavedevelopedrapidlyinChinaandplayedanimportantroleinbenefitingenterprises,facilitatingpeople,stimulatingtransactions,prosperingthemarket,andotheraspects.国务院办公厅关于进一步优化支付服务提升支付便利性的意见(国办发(2024)10号)各省、自治区、直辖市人民政府，国务院各部委、各直属机构：提升支付服务水平、打通支付堵点，推动支付为民，实现国内国际无缝对接，是优化营商环境的应有之义，是服务高质量发展的重要举措，是促进高水平对外开放的内在要求。近年来，我国移动支付发展迅速，对利企便民、活跃交易、繁荣市场等发挥了重要作用。同时，由于我国老年人等群体偏好使用现金，部分外籍来华人员习惯银行卡或现金支付，对使用移动支付不习惯、不适应，支付服务包容性有待提升。为更好满足老年人、外籍来华人员等群体多样化的支付服务需求，推动移动支付、银行卡、现金等支付方式并行发展、相互补充，进一步提升支付服务水 平，更好服务社会民生，优化营商环境，促进高水平对外 开放，经国务院同意，现提出如下意见。一、总体要求（一）指导思想以习近平新时代中国特色社会主义思想为指导，立足新发 展阶段，完整、准确、全面贯彻新发展理念，加快构建新 发展格局，针对不同群体的支付习惯，统筹力量打通支付 服务存在的堵点，弥合数字鸿沟，着力完善多层次、多元 化的支付服务体系，为老年人、外籍来华人员等群体提供 更加优质、高效、便捷的支付服务。Meanwhile,astheelderlyandothergroupsofpeopleinChinapreferusingcash,andsomeforeignersinChinaareusedtobankcardorcashpaymentsandarenotusedtomobilepayments,paymentservicesneedtobemoreinclusive.WilhtheapprovaloftheStateCouncil,thefollowingopinionsareherebyofferedforthepurposesofbettersatisfyingthediversifiedpaymentserviceneedsoftheelderly,foreignersinChina,andothergroupsofpeople,promotingtheparalleldevelopmentandmutualsupplementationofmobilepayments,bankcardandcashpayments,andotherpaymentmethods,furtherimprovingpaymentservices,belterservingthepeople,optimizingthebusinessenvironment,andpromotinghigh-levelopeningup.I. GeneralRequirements(1) GuidingideologyGuidedbyXiJinpingThoughtonSocialismwithChineseCharacteristicsforaNewEraandbasedonthenewdevelopmentstage,thenewdevelopmentphilosophyshallbecarriedoutinacomplete,accurate,andcomprehensivemanner,andthecreationofanewdevelopmentpatternshallbeaccelerated.Inlinewiththepaymenthabitsofdifferentgroupsofpeople,effortsshallbecoordinatedtoremoveobstaclesexistinginpaymentservices,bridgethedigitalgap,andeffortsshallbemadetoimprovethemulti-levelanddiversifiedpaymentservicesystemsoastoprovidemorehigh-quality,efficient,andconvenientpaymentservicesfortheelderly,foreignersinChina,andothergroupsofpeople.（二）基本原则(2) Basicprinciples坚持目标导向、问题导向，实抓实干解决重点堵点问 题。以提升老年人、外籍来华人员等群体支付便利性为着 力点，聚焦银行卡受理、现金支付、移动支付、账户服 务、宣传推广等重点领域、重点环节，精准施策、靶向发 力，持续深化支付服务场景建设，丰富支付服务供给，不 断提升支付服务水平。Adheringtogoalorientationandproblemorientationandtakingpracticalmeasurestoremovekeyobstacles.Withthegoalofmakingpaymentmoreconvenientfortheelderly,foreignersinChina,andothergroupsofpeople,effortsshallfocusonkeyfieldsandkeylinkssuchasbankcardacceptance,cashpayment,mobilepayment,accountservices,publicityandpromotion,targetedpoliciesshallbecarriedoutandtargetedmeasuresshallbetaken,theconstructionofpaymentservicescenariosshallbecontinuouslyfurthered,thesupplyofpaymentservicesshallbeenriched,andpaymentsen,icesshallbecontinuouslyimproved.坚持统筹协调，有效市场和有为政府相结合。加强政 府部门协作，注重央地联动发力，建立中央各部门、中央 与地方、政府与市场良性互动关系。激发银行业金融机构 （以下简称银行）、非银行支付机构（以下简称支付机构）、清算机构、外币兑换机构等支付服务主体的积极性 和主动性，持续加大人力、财务、技术等资源投入，共同 推动各项优化措施落到实处。一坚持切实增强各类支付方式的兼容性、包容性，为境内外消费者提供多样化支付服务。坚持稳中求进，充分考Adheringtooverallcoordinationandpromotingbothanefficientmarketandawell-functioninggovernment.Thecollaborationamonggovernmentdepartmentsshallbestrengthened,theCentralGovernmentandlocalgovernmentsshallmakejointefforts,andthereshallbepositiveinteractionsbetweenthedepartmentsoftheCentralGovernment,theCentralGovernmentandlocalgovernments,aswellasthegovernmentandthemarket.Paymentserviceproviderssuchasbankingfinancialinstitutions("banks"),non-bankingpaymentinstitutions(4tpaymentinstitutions),clearinginstitutions,andforeigncurrencyexchangeinstitutionsshallbemobilizedtobemoreproactiveandtocontinuouslyinvestmorehuman,financial,technical,andotherresources,Iojointlypromotetheeffectiveimplementationofvariousoptimizationmeasures.Adheringtotheeffectiveenhancementofthecompatibilityandinclusivenessofvariouspaymentmethods虑不同群体的支付习惯，保留现金、存折、银行卡等传统 服务方式，持续保有并更新升级银行卡受理终端（POS 机）、自动取款机（ATM）等服务设施。支持开展移动支 付、网络支付等业务的支付服务主体继续开拓创新，共同 构建各类支付服务兼容共生、协同发展的支付服务体系。坚持统筹发展和安全，平衡优化服务与防控风险。支 持引导支付服务主体持续优化业务流程、推出便利措施， 不断提升老年人、外籍来华人员等群体的支付服务便捷性 和满意度。做好交易监测和风险评估，加强内部风险防 控。二、主要任务（一）切实改善银行卡受理环境。不断提升老年人、外籍 来华人员等群体使用银行卡的便利性，支持公共事业缴 费、医疗、旅游景区、商场等便民场景使用银行卡支付。andprovidingdiversifiedpaymentsen,icesfordomesticandforeignconsumers.Theprincipleofmakingprogresswhilemaintainingstabilityshallbeadheredto,thepaymenthabitsofdifferentgroupsofpeopleshallbefullyconsidered,traditionalservicemethodssuchascash,depositbooks,andbankcardsshallberetained,andbankcardacceptanceterminals(POSmachines),automatedtellermachines(ATMs),andotherservicefacilitiesshallbecontinuouslymaintained,updated,andupgraded.Paymentserviceentitiesprovidingmobilepayment,onlinepayment,andotherservicesaresupportedincontinuingtomakeexplorationsandinnovations,andjointlybuildapaymentservicesystemfeaturingthecompatibilityandcoordinateddevelopmentofvariouspaymentservices.Adheringtocoordinateddevelopmentandsecurity,andensuringabalancebetweenserviceoptimizationandriskpreventionandcontrol.Paymentserviceentitiesshallbesupportedanddirectedtooptimizetheirbusinessprocessesonanongoingbasisandintroducefacilitationmeasurestocontinuouslyimprovetheconvenienceofandsatisfactionwithpaymentservicesfortheelderly,foreignersinChina,andothergroupsofpeople.Transactionmonitoringandriskassessmentshallbeeffectivelyconducted,andinternalriskpreventionandcontrolshallbestrengthened.II. MainTasks(1) Effectivelyimprovingtheenvironmentfortheacceptanceofbankcards.Theuseofbankcardsbytheelderly,foreignersinChina,andothergroupsofpeopleshallbecontinuouslyfacilitated,andsupportshallbeprovidedtobankcardpaymentsinscenariosfortheconvenienceofthepeople,suchaspaymentsforpublicutilitiesandmedicalcareandattouristattractionsandshoppingmalls.Alllocalgovernmentsshallfocusonscenariossuchascatering,accommodation,transportation,tourism,shopping,entertainment,andmedicalcare,determinethedirectoryofkeyvenuessuchaslargebusinessdistricts,touristattractions,touristresorts,nighttimeculturalandtourismconsumptionclusters,culturalvenuesandmuseums,culturalandentertainmentvenues,hotels,transportationhubs,hospitals,andkeymerchants,andpromotetheacceptanceofoverseasbankcards.Banksandpaymentinstitutionsshallexpeditethesoftwareandhardwareupgradesofoverseasbankcardacceptanceequipmentaccordingtothedirectoryofkeymerchantsandgiveoverallconsiderationtopromotingthedevelopmentofcontactlesspayments.Bankcardclearinginstitutionsandotherinstitutionsshallbeurgedanddirectedtoacceleratetheconnectionwithinternationalpaymentplatlbrms.TheMinistryofCommerce,theMinistryofCultureandTourism,andotherappropriateindustryauthoritiesshallstrengthenguidanceandincludemerchants'acceptanceofbankcardsinthescopeofservicequalityassessmentandevaluationintheirrespectivefields.(2) Continuouslyoptimizingthecashuseenvironment.Cashpaymentsshallremainasapaymentoption,businessentitiesshallbeurgedtoacceptcashpaymentsinaccordancewithlawsandregulations,businessentities,especiallythoseinthefieldsoftransportation,shopping,catering,cultureandentertainment,tourism,accommodation,andotherpublic-andforeign-relatedfields,shallbedirectedtomakepubliccommitmentsontheacceptanceofcash,prepareenough各地方政府要聚焦“食、住、行、游、购、娱、医”等场景，确定大型商圈、旅游景区、旅游度假区、夜间文化和旅游消费集聚区、文博场馆、文娱场所、酒店、交通枢纽站点、医院等重点场所及重点商户名录，推动受理境外银行卡。银行、支付机构要按照重点商户名录，加快推进境外银行卡受理设备软硬件改造，统筹考虑推动非接触式支付发展。督促指导银行卡清算机构等加快与国际支付平台互联互通。商务部、文化和旅游部等行业主管部门要加强指导，将商户银行卡受理情况纳入各自领域服务质量考核评价范围。（二）持续优化现金使用环境。坚持现金兜底定位，督促经营主体依法依规保障现金支付，引导经营主体特别是交通、购物、餐饮、文娱、旅游、住宿等民生、涉外领域主体，公开承诺可收取现金，做好零钱备付，满足现金使用需求，提升日常消费领域现金收付能力。银行要主动推出标准化、多样化的人民币现金“零钱包”产品。银行网点不得随意停办现金业务、降低服务质量。持续开展ATM银changetomeetcashuseneeds,andensurecashpaymentandreceiptindailyconsumptionfields.BanksshalltaketheinitiativetolaunchstandardizedanddiversifiedRMBcashtchangepackets“products.Bankoutletsmaynotarbitrarilysuspendcashservicesorlowertheservicequality.ATMbankcardacceptancetransformationsshallbeimprovedcontinuously,andtheelderly,foreignersinChina,andothergroupsofpeoplearesupportedinusingdomesticandforeignbankcardstowithdrawRMBcash.TheactofrefusingtoacceptRMBcashshallbecontinuouslycorrected,heavierpenaltiesshallbeimposedandpublicityshallbeintensifiedinaccordancewiththelaw.Airports,ports,andotherportsofentrythatreceivealargenumberofforeignersandhotelsthatfrequentlyserveforeignersshallbedirectedtoincreaseforeigncurrencyexchangeinstitutionsandfacilities,increasethetypesofexchangeableforeigncurrencies,providemoretrainingtopersonnelprovidingforeigncurrencyexchangeservices,andenhancethelevelofforeigncurrencyexchangeservices.(3) Furtherenhancingtheconvenienceofmobilepayments.Banks,paymentinstitutions,andclearinginstitutionsshallstrengthencooperation,andshall,underthepremiseofcontrollablerisks,continuouslyimprovemobilepaymentservices,optimizebusinessprocesses,enrichproductfunctions,expandthescopeofacceptance,fullyconsiderthedemandsoftheelderly,foreignersinChina,andothergroupsofpeople,makeservicearrangementssuitablefortheelderlyandforeigners,andenhancetheuserfriendlinessandconvenienceofalllinksofmobilepayments.TheaccessibilityofcommunicationsservicesforforeignersinChinashallbeensured,theproceduresforforeignersinChinatoobtain行卡受理改造，支持老年人、外籍来华人员等群体使用境内外银行卡支取人民币现金。持续开展拒收人民币现金整治，依法加大处罚和公示力度。指导外籍来华人员入境较集中的机场、港口等口岸地区和入住较多的酒店等增设外币兑换机构和设施，增加可兑换的外币币种，加强外币兑换服务人员业务培训，提升外币兑换服务水平。(三)进一步提升移动支付便利性。银行、支付机构和清算机构要加强合作，在风险可控的前提下，持续完善移动支付服务，优化业务流程，丰富产品功能，扩大受理范围，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。做好外籍来华人员通讯服务，优化外籍来华人员境内手机号码办理流程，为外籍来华人员提供良好的国际漫游服务。推动重点旅游景区、旅游度假区、夜间文化和旅游消费集聚区、特色商业街区、重点旅游休闲街区、重要文娱场所等线上、线下场景更好便利消费支付。支持与“食、住、行、游、购、娱、医”等消费密切关联的互联网平台企业，优化外籍来华人员线上、线下购买产品与服务的支付体验。domesticmobilephonenumbersshallbeoptimized,andforeignersinChinashallbeprovidedwithgoodinternationalroamingservices.Betterandmoreconvenientconsumptionpaymentsinonlineandofflinescenariossuchaskeytouristattractions,touristresorts,nighttimeculturalandtouristconsumptionclusters,characteristiccommercialdistricts,keytouristandleisuredistricts,andimportantculturalandentertainmentvenuesshallbepromoted.Internetplatformenterprisesengagedinbusinesscloselyrelatedtocatering,accommodation,transportation,tourism,shopping,entertainment,medicalcare,andotherconsumptionfieldsshallbesupportedinoptimizingthepaymentexperiencesofforeignersinChinawhentheypurchaseproductsandservicesonlineandoffline.（四）更好保障消费者支付选择权。规模以上的大型商 圈、旅游景区、旅游度假区、文博场馆、文娱场所、酒 店、交通枢纽站点、医院等重点场所必须配备受理移动支 付、银行卡、现金等必需的软硬件设施，保障消费者自主 选择支付方式及工具。鼓励规模以下的商圈、旅游景区、 旅游度假区、文博场馆、文娱场所、酒店、交通枢纽站 点、医院等积极创造条件比照办理，共同构建包容多样的 支付受理环境。(4) Betterprotectingconsumers'righttochoosepaymentmethods.Thekeyvenuesabovethedesignatedsizesuchaslargebusinessdistricts,touristattractions,touristresorts,culturalvenuesandmuseums,culturalandentertainmentvenues,hotels,transportationhubs,andhospitalsmustbeequippedwithsoftwareandhardwarefacilitiesnecessaryforacceptingmobilepayments,bankcardorcashpayments,andguaranteethatconsumersmaychoosepaymentmethodsandinstrumentsattheirdiscretion.Businessdistricts,touristattractions,touristresorts,culturalvenuesandmuseums,culturalandentertainmentvenues,hotels,transportationhubs,hospitals,andothervenuesbelowthedesignatedsizeareencouragedtoactivelycreateconditionsforhandlingpaymentsbyreferencetothesaidprovisions,andjointlybuildanenvironmentthatacceptspaymentsinaninclusiveanddiversemanner.(5) Improvingaccountservices.Banksandpaymentinstitutionsshallfurtheroptimizetheiraccountopeningserviceprocesses,reasonablyimplementclassifiedandgradedaccountmanagement,closelyfocusonkeyregions,keyoutlets,andkeybusinesslinks,improvemultilingualservices,consultingandcomplainthandling,andothersupportingaccountopeningservices,andimproveaccountservicesonanongoingbasis.Banksareencouragedtooptimizetheiraccountservices,establish“greenchannelsattheiroutlets,andimprovethebankaccountserviceexperiencesoftheelderly,foreignersinChina,andothergroupsofpeople.TheNationalImmigrationAdministrationshallprovidethePeople'sBankofChinawithinformationverificationservicestoimprovetheefficiencyofaccountopeningforbanksandpaymentinstitutions.(6) Continuouslystrengtheningthepublicityandpromotionofpaymentservices.Theestablishmentofpaymentserviceconsultationpointsatkeyvenuessuchaslargebusinessdistricts,touristattractions,touristresorts,culturalvenuesandmuseums,culturalandentertainmentvenues,hotels,transportationhubs,andhospitalsisencouraged,andvariouspublicitymethodsandchannelsshallbecomprehensivelyusedtopublicizepaymentservicesinanormalizedmanner.Thepostingofsignsforoverseasbankcardpayments,ATMcashwithdrawals,andindividualRMBandforeigncurrencyexchanges,amongothers,shallbeensured,andbusinesspersonneltrainingshallbestrengthened.Airlines,travelagencies,andotherbusinessentitiesshallbedirectedtoCaiTyoutvariousformsoftargetedpublicityactivitiesatoverseasChineseculturalcenters,tourismrepresentativeoffices（五）提升账户服务水平。银行、支付机构要进一步优化开户服务流程，合理实施账户分类分级管理，紧盯重点地区、重点网点、重点业务环节，完善多语言服务、咨询投诉等开户配套服务，不断提升账户服务水平。鼓励银行优化账户服务，在银行网点建立“绿色通道”，提升老年人、外籍来华人员等群体的银行账户服务体验。国家移民局向中国人民银行提供信息核验服务，提高银行、支付机构开户效率。（六）持续加强支付服务宣传推广。鼓励在大型商圈、旅游景区、旅游度假区、文博场馆、文娱场所、酒店、交通枢纽站点、医院等重点场所设立支付服务咨询点，综合运用多种宣传方式和渠道，常态化开展支付服务宣传。做好境外银行卡刷卡、ATM银行卡取现、个人本外币兑换等标识张贴，加强业务人员培训。引导航空公司、旅行社等经营主体，在海外中国文化中心、驻外旅游办事处、国际航班、境外签证中心、口岸等外籍来华人员聚集场所，开展形式多样、针对性强的宣传活动，不断提升外籍来华人员对境内支付服务的认知度。stationedabroad,internationalflights,overseasvisacenters,portsofentry,andotherplaceswhereforeignersinChinagather,tohelpforeignersknowmoreaboutdomesticpaymentservicesonanongoingbasis.III. SafeguardMeasures(1) Strengtheningpolicysupport.Theexperiencesfrompilotprogramsintherelevantcitiesshallbefurthersummarizedandimproved,popularizationeffortsshallbeincreased,andfirst-tiercities,provincialcapitals,worldheritageprotectionareas,andinternationalconsumptioncentercities,amongothers,shallbeboostedtoplayaleadingandexemplaryroleinoptimizingpaymentservices.Therelevantpaymentserviceentitiesareencouragedtomakebusinessinnovations,andfurtheroptimizepaymentproductsandservicesfortheelderly,foreignersinChina,andothergroupsofpeople.Alllocalitiesareencouragedtosetupforeigncurrencyexchangeinstitutionsandfacilitiesaltheplaceswithhighdemandsforpaymentservicesandoffercertainrentreductionsandexemptions.Theimprovementofpaymentservicesshallbeincludedinthescopeofa