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