人民網北(běi)京3月19日電(diàn) (黃盛)中(zhōng)國人民銀行日前發布了境外(wài)來華人士數字人民币支付指南(nán)(以下(xià)簡稱“指南(nán)”)。根據指南(nán)，數字人民币App境外(wài)版，已經支持210多個國家和地區的手機号注冊賬号、開(kāi)通錢包。境外(wài)來華人士開(kāi)通匿名錢包不需要前往櫃面，也不需要提供護照等身份信息或辦理境内銀行賬戶。

根據指南(nán)，境外(wài)來華人士可通過手機在“App Store”“Google Play”等應用商(shāng)店(diàn)搜索“e-CNY”關鍵字下(xià)載安裝數字人民币APP境外(wài)版，然後打開(kāi)該APP點擊“注冊”賬号，繼而“開(kāi)通/添加錢包”選擇任一(yī)已支持國際服務的運營機構，便可開(kāi)通錢包，即e-CNY Wallet。

當需要付款時，境外(wài)來華人士通過該APP可使用“掃一(yī)掃”“付款碼”等方式，并根據頁面引導添加銀行卡或選擇“轉數快”添加香港本地手機銀行。用戶無需提前爲錢包充值，可直接使用銀行卡進行支付，隻需輸入數字錢包支付密碼便可完成支付。

另外(wài)，數字人民币APP境外(wài)版開(kāi)通了商(shāng)旅錢包功能，用戶點擊“充錢包”，使用銀行卡爲錢包充值。如此，不僅支付更便捷，還可在更多中(zhōng)國線上商(shāng)戶消費(fèi)使用。使用銀行卡充值的資(zī)金未用完的，可點擊錢包翻轉至錢包背面，點擊“存銀行”将剩餘資(zī)金存回銀行卡。

指南(nán)還明确，境外(wài)用戶還可在運營機構櫃面以人民币或外(wài)币現鈔爲錢包充值，櫃面充值的資(zī)金未用完的，需要櫃面兌換爲現鈔。香港用戶也可通過“轉數快”，使用香港當地銀行賬戶爲錢包充值，目前無需充值手續費(fèi)。

另據了解，今年3月7日，國務院辦公廳印發了《關于進一(yī)步優化支付服務提升支付便利性的意見》，明确要聚焦老年人、外(wài)籍來華人員(yuán)等群體(tǐ)支付不便問題，多措并舉打通服務堵點。中(zhōng)國人民銀行堅持目标導向、問題導向，針對不同群體(tǐ)的支付習慣，持續深化支付服務場景建設，推動移動支付、銀行卡、現金等多種支付方式并行發展、相互補充，提升支付服務的包容性，爲老年人、外(wài)籍來華人員(yuán)等群體(tǐ)提供更加優質、高效、便捷的支付服務，更好服務社會民生(shēng)和高水平對外(wài)開(kāi)放(fàng)。

中(zhōng)國人民銀行支付結算司日前表示，正持續豐富和優化各類支付服務供給，不斷完善現代化支付清算網絡，持續保障支付清算基礎設施穩健高效運行，爲經營主體(tǐ)發展、産品服務創新提供安全可靠的基礎支撐。數據顯示，2023年，中(zhōng)國人民銀行支付清算系統處理業務219.81億筆、金額8986.39萬億元；推動移動支付快速發展普及，深度融入交通、餐飲、購物(wù)、醫療、教育等各個民生(shēng)領域，提升人民群衆日常支付體(tǐ)驗，我(wǒ)國移動支付普及率達到86%，居于世界領先地位；推進支付互聯互通，“雲閃付”等電(diàn)子錢包接入主要線上移動支付場景，各類條碼互認互掃取得積極進展，人民群衆的支付方式選擇權得到進一(yī)步保障；開(kāi)展支付服務降費(fèi)讓利工(gōng)作，推動支付行業向實體(tǐ)經濟讓利超300億元，政策紅利惠及廣大(dà)小(xiǎo)微企業和個體(tǐ)工(gōng)商(shāng)戶。

此外(wài)，中(zhōng)國人民銀行堅持統籌開(kāi)放(fàng)與安全，圍繞推動金融高水平對外(wài)開(kāi)放(fàng)的目标任務，持續推進跨境支付體(tǐ)系建設，加快構建以人民币跨境支付系統(CIPS)爲主渠道，銀聯等其他清算機構、商(shāng)業銀行多渠道發展的支付體(tǐ)系。截至2023年末，CIPS已接入1484家參與者,其中(zhōng)直接參與者139家，業務範圍覆蓋全球182個國家和地區。

People's Bank of China (PBOC) released recently the Digital Currency Payment Guide for Foreigners in China (hereinafter referred to as "the Guide"). According to the Guide, the overseas version of the digital yuan app now supports phone number registrations and wallet activation in more than 210 countries and regions. Overseas arrivals in China can open anonymous wallets without going to the counter or providing identity information such as passports or opening onshore bank accounts.

The Guide indicates that overseas arrivals in China can search for the keyword "e-CNY" in app stores such as "App Store" and "Google Play" to download and install the overseas version of the digital yuan app. By opening the app and clicking "Register" they can then choose any of the participating institutions that support international services to activate a wallet, known as the e-CNY Wallet.

When a payment is needed, overseas arrivals can use payment methods within the app such as "Scan to Pay" and "Payment Code", and follow the prompts to add a bank card or select "Faster Payment" to add a Hong Kong local mobile bank account. Users do not need to recharge their wallets in advance and can make payments directly using their bank cards, simply entering the payment password of the digital wallet to complete the transaction.

Moreover, the overseas version of the digital yuan app has enabled the business and travel wallet feature, where users can click "Recharge Wallet" and use their bank cards to recharge the wallet. This not only makes payments more convenient but also allows for consumption at more Chinese online merchants. If the funds recharged with a bank card are not used up, users can flip the wallet over to the back, click "Bank" and transfer the remaining funds back to their bank card.

The Guide also clarifies that overseas users can recharge their wallets with Renminbi or foreign cash at the counter of the operating institution. If there are unused funds after counter recharge, they need to be exchanged for cash at the counter. Hong Kong users can also recharge their wallets through "Faster Payment" using their local bank accounts, and currently, there is no recharge fee.

It is understood that on March 7 this year, the General Office of the State Council issued the "Opinions on Further Optimizing Payment Services and Enhancing Payment Convenience", which clarified the need to focus on the payment difficulties of elderly people and foreign arrivals in China, and to take multiple measures to unblock service bottlenecks. The People's Bank of China adheres to goal-oriented and problem-oriented principles, and continuously deepens the construction of payment service scenarios for different user groups, promoting the parallel development and complementarity of various payment methods such as mobile payment, bank cards, and cash, enhancing the inclusiveness of payment services. This aims to provide even better, more efficient, and convenient payment services for elderly people, foreign arrivals in China, and other groups, better serving social livelihoods and high-level opening up.

The Payment Settlement Department of the People's Bank of China stated recently that it is continuously enriching and optimizing various payment service supplies, constantly improving the modern payment clearing network, and continuously ensuring the stable and efficient operation of payment clearing infrastructure, providing safe and reliable basic support for the development of business entities and innovation in product services. Data shows that in 2023, the People's Bank of China's payment and settlement system processed 21.981 billion transactions with a total amount of 89.8639 trillion yuan; promoted the rapid development and popularization of mobile payment, deeply integrated into various people's livelihood sectors such as transportation, catering, shopping, medical care, and education, improving people's daily payment experience. The penetration rate of mobile payment in our country reached 86%, ranking among the world's leading positions; promoted payment interconnection, with electronic wallets like "Alipay" accessing major online mobile payment scenarios, and various code recognition and scanning have made positive progress, further ensuring people's right to choose payment methods; carried out payment service fee reduction and profit sharing, promoting the payment industry to provide more than 30 billion yuan of benefits to the real economy, with policy dividends benefiting a vast number of small and micro enterprises and individual business operators.

In addition, the People's Bank of China insists on balancing openness and security, focusing on the goal of promoting high-level financial opening up, and continuously promoting the construction of cross-border payment systems, accelerating the construction of a payment system with the RMB Cross-border Payment System (CIPS) as the main channel, and other clearing institutions such as UnionPay and commercial banks developing through multiple channels. By the end of 2023, CIPS has connected 1,484 participants, including 139 direct participants, with its business coverage spanning 182 countries and regions worldwide.