[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$VPb55unkt5":3},{"id":4,"authorId":5,"author":6,"title":7,"status":8,"failedReason":9,"offlineReason":9,"type":10,"picture":11,"submitTime":12,"publishTime":13,"seoTitle":14,"seoKeywords":15,"seoDescription":16,"seoKeywordsList":9,"workOrderNo":17,"source":8,"moreInfo":18,"sourceName":19,"reviewer":20,"description":21,"content":22,"showPv":23,"pv":24,"great":25,"collection":25,"comment":25,"remark":9,"topicIdList":9,"firstTagIdList":9,"secondTagIdList":9,"tagNameList":9,"isGreat":26,"isCollection":26,"orgAccountInfoBO":27,"topicList":43,"firstTagList":50,"secondTagList":51,"lockUser":9,"articleModeType":9,"originContent":9,"aiRewriteContent":9,"commentCount":9},"1316377","53106","丝易付","跨境支付通：重塑内地与香港金融互联新格局",2,null,1,"https:\u002F\u002Fcdn.10100.com\u002Fcontent\u002F20250624\u002Fd1d710b6-3fce-43b1-b362-279a04e34732.png","2025-06-24 23:45:02","2025-06-24 17:33:00","跨境支付通：重塑内地与香港金融互联新格局- 大数跨境","","·点击蓝字·关注我们 \u002F NEW TERM 2023年10月，中国人民银行与香港金管局联合推出“跨境","11202506242345019163","{\"url\": \"https:\u002F\u002Fmp.weixin.qq.com\u002Fs\u002Fm7505b3nGk4MwvKHRQgw9g\", \"author\": \"silken\", \"position\": 1, \"publishTime\": \"2025-06-24 17:33:00\"}","【丝易付】公众号","system","跨境支付通是中央政府支持香港发展、深化两地金融合作的重要举措。其核心目标聚焦于小额高频的民生场景，在经常项目项下提供便利化汇款服务。","\n\u003Ch2>跨境支付通正式上线：重塑粤港澳大湾区支付生态\u003C\u002Fh2>\n\u003Ch3>内地与香港首次实现支付系统直连，推动人民币国际化进程\u003C\u002Fh3>\n\n\u003Cp>2025年6月22日，中国人民银行与香港金管局联合推出的“跨境支付通”（Crossboundary Payment Connect, CBPC）正式上线运行。这是中国金融基础设施建设的重要里程碑，标志着中国内地与香港首次实现支付系统直连。\u003C\u002Fp>\n\n\u003Cp>该系统通过技术赋能与制度创新，实现了内地网上支付跨行清算系统（IBPS）与香港快速支付系统“转数快”（FPS）的直接互联，解决了传统跨境支付链路长、成本高、效率低的问题，使两地小额跨境汇款正式迈入“秒级时代”。\u003C\u002Fp>\n\n\u003Ch3>四大核心功能升级体验\u003C\u002Fh3>\n\n\u003Cul>\n  \u003Cli>\u003Cstrong>实时到账：\u003C\u002Fstrong> 汇款时间从T+1缩短至2分钟内\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>零手续费：\u003C\u002Fstrong> 个人小额汇款免收跨境手续费（单笔限额为8万元人民币）\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>本币结算：\u003C\u002Fstrong> 支持人民币与港币直接兑换，避免美元中间结算\u003C\u002Fli>\n  \u003Cli>\u003Cstrong>账户直连：\u003C\u002Fstrong> 用户可直接输入对方手机号\u002F身份证号完成转账，无需SWIFT代码\u003C\u002Fli>\n\u003C\u002Ful>\n\n\u003Cp>跨境支付通定位于“小额便民”，重点服务高频低额的跨境民生需求，例如深圳居民向香港留学生汇款、香港居民赴内地前资金转移、缴纳医保、支付学费等场景。\u003C\u002Fp>\n\n\u003Ch3>首批参与银行构建双端服务网络\u003C\u002Fh3>\n\n\u003Cp>跨境支付通首批共有12家银行参与，其中内地银行包括工商银行、农业银行、中国银行、建设银行、交通银行和招商银行；香港银行则有中银香港、东亚银行、建银亚洲、恒生银行、汇丰银行和工银亚洲。\u003C\u002Fp>\n\n\u003Cp>多家银行推出差异化服务抢占市场，例如农行、建行在试点期内实施手续费全免；工银亚洲豁免个人客户手续费；建银亚洲提供“实时换汇”功能，支持无人民币账户用户向内地汇款；招行优化手机银行操作流程，只需输入收款方姓名与账号即可完成汇款。\u003C\u002Fp>\n\n\u003Ch3>对跨境支付格局带来深远影响\u003C\u002Fh3>\n\n\u003Cp>跨境支付通的落地是中国自主构建跨境清算网络的重要一步。截至2024年，CIPS（人民币跨境支付系统）处理金额达175万亿元，覆盖185个国家。这一系统的运行将进一步减少对SWIFT系统的依赖，提升我国支付体系的自主权。\u003C\u002Fp>\n\n\u003Cp>此外，它也推动了跨境金融科技的发展，如数字人民币的应用探索、区块链技术和稳定币新规带来的创新机遇。同时，促进了“支付+结算+融资”一体化方案的发展。\u003C\u002Fp>\n\n\u003Ch3>未来扩展潜力巨大\u003C\u002Fh3>\n\n\u003Cp>跨境支付通不仅服务于粤港澳大湾区居民，还具备向澳门、东盟乃至“一带一路”国家推广的潜力。使用场景将从P2P（个人对个人）拓展至P2B（个人对企业）、B2B（企业对企业）和G2B（政府对企业），并有望覆盖贸易结算、供应链金融等领域。\u003C\u002Fp>\n\n\u003Cp>不过，当前系统仍存在一定局限，仅限于个人小额汇款，尚未开放企业级大额支付，且存在处理高峰期的技术弹性挑战。同时，在监管协同、反洗钱机制、KYC标准差异以及部分银行推广意愿等方面仍需持续完善。\u003C\u002Fp>\n\n\u003Cp>随着系统不断扩容和技术优化，跨境支付通有望在2027年前后形成覆盖20亿人口的东方支付联盟，对SWIFT构成实质性挑战，为中国在全球跨境支付领域的话语权奠定坚实基础。\u003C\u002Fp>","220","148","0",false,{"id":5,"status":28,"accountNumber":6,"nickName":6,"gender":8,"identity":29,"authenticationStatus":8,"authenticationType":10,"claimStatus":10,"failedReason":9,"freezeReason":9,"phoneNumber":9,"email":9,"picture":30,"description":31,"registerTime":32,"submitTime":32,"area":33,"lastLoginTime":32,"lastLoginIp":9,"lastLoginArea":9,"accountName":34,"wechatNumber":9,"wechatQrcode":15,"wechatOfficialAccountQrcode":15,"fansTotal":35,"followTotal":25,"pvTotal":36,"showPvTotal":37,"createTime":38,"updateTime":39,"deleteFlag":28,"areaName":9,"contentTotal":40,"isFollow":26,"validityPeriodStart":41,"validityPeriodEnd":42,"companyLogo":30,"companyAbbreviation":6,"companyName":34,"accountPoints":9,"level":28,"accountType":10,"regSource":28},0,11,"p\u002F04e8352b8dc941c3a9ab7f5327f5fbb6.png","通过数字化电子支付解决方案，为跨境商户打造结汇、收单等服务，通过优选中国产品和产业，构建“一带一路”贸易格局","2025-05-07 20:04:52","310000","丝易付数字科技(上海)有限公司","1","24526","36795","2025-05-07 20:04:53","2026-05-11 06:07:39","126","2025-05-07","2026-05-07",[44],{"contentId":4,"id":45,"name":46,"status":28,"type":10,"subType":8,"description":47,"changeTime":48,"pv":49,"firstTagIdList":9,"firstTagList":9},"6","支付","跨境收付方式与行情动态分析","2024-11-13 13:03:22","1556222",[],[]]