Beijing Zhengban made [2024] No.5
District People’s governments, municipal government commissions, offices and bureaus, and municipal institutions:
With the consent of the municipal government, the "Implementation Plan of Beijing Municipality on Further Optimizing Payment Services and Improving Payment Convenience" is hereby issued to you, please earnestly implement it.
General Office of Beijing Municipal People’s Government
March 22, 2024
(This piece is publicly released)
Implementation Plan of Beijing Municipality on Further Optimizing Payment Services and Improving Payment Convenience
In order to thoroughly implement the decision-making arrangements of the CPC Central Committee and the State Council on further optimizing payment services, better meet the diversified payment service needs of the elderly, foreigners coming to Beijing and other groups, promote the parallel development and mutual supplement of mobile payment, bank cards, cash and other payment methods, comprehensively improve the quality and efficiency of payment services, better serve the people’s livelihood, and optimize the business environment, this implementation plan is formulated.
I. Work objectives
Before the end of April 2024, focus on tackling key problems to promote the landing of a number of payment facilitation projects and solve a number of outstanding problems in payment services; Determine the list of key merchants in key places, and comprehensively improve the payment acceptance environment such as mobile payment, bank card and cash; Continue to optimize the payment services of Beijing Capital International Airport and Beijing Daxing International Airport; Cruise taxis realize barrier-free cash payment, and standardized "coin purse" product configuration is in place.
Before the end of June 2024, further expand the acceptance coverage of overseas bank cards; Add a number of payment service facilities in the city’s three-star or above hotels and 3A or above tourist attractions; Constantly expand the service scope of "coin purse" products, and continuously improve the friendliness and convenience of payment methods such as mobile payment, bank card and cash.
By the end of December, 2024, we will basically solve the difficult problems of payment for the elderly, foreigners and other groups; Create a number of demonstration blocks with more complete facilities, clearer signs and more convenient services; The payment acceptance environment was further optimized to better meet the needs of diversified payment services, and the level of payment services was consolidated and improved.
Second, the key tasks
(1) Continuously improve the acceptance environment of bank cards and increase the coverage of credit card payment.
1. Continuously improve the convenience of the elderly, foreigners coming to Beijing and other groups to use bank cards, and support the use of bank cards to pay for public utilities, medical care, tourist attractions, shopping malls and other convenient service scenarios. Relevant industry management departments, district governments, and Beijing Economic and Technological Development Zone Management Committee should focus on the scenes of "food, housing, transportation, travel, shopping, entertainment, and medical treatment" and determine the key places such as large business districts, tourist attractions, tourist resorts, night culture and tourism consumption gathering areas, cultural and cultural venues, entertainment venues, hotels, transportation hubs, and medical institutions according to the principle of "sufficiency and necessity". (Municipal Bureau of Commerce, Municipal Bureau of Culture and Tourism, Municipal Transportation Commission, Municipal Health and Wellness Commission, Municipal Bureau of Landscaping and Greening, Municipal Park Management Center, Municipal State-owned Assets Supervision and Administration Commission, Municipal Bureau of Cultural Relics, Beijing Branch of the People’s Bank of China, China Railway Beijing Bureau Group, etc. and the district governments and Beijing Economic and Technological Development Zone Management Committee are responsible according to their division of responsibilities)
2. Further improve the convenience of using bank cards in the transportation field. Accelerate the transformation of the software and hardware of bank card acceptance equipment, and promote non-contact payment in key travel scenarios such as subways. Provide "all-in-one-card" sales and card return services in key places such as Beijing Capital International Airport and Beijing Daxing International Airport. (The Municipal Communications Commission, Beijing Branch of the People’s Bank of China, the Municipal Financial Management Bureau, the Municipal Finance Bureau, Beijing Investment Corporation, various subway operating companies, and Capital Airport Group are responsible according to the division of responsibilities.)
3. Guide the acquiring institutions to strengthen the inspection of the use of POS machines, do a good job in monitoring the coverage and use of POS machines, and inform the relevant units in a timely manner. Actively follow up the progress of major card organizations in reducing credit card rates and cooperate with related work. (Beijing Branch of the People’s Bank of China and the Municipal Monetary Authority are responsible for the division of responsibilities)
4. Relevant industry management departments should strengthen guidance and study the acceptance of merchant bank cards into the service quality evaluation system in their respective fields. (The Municipal Bureau of Commerce, the Municipal Bureau of Culture and Tourism, the Municipal Transportation Commission, the Municipal Health and Wellness Commission, the Municipal Bureau of Landscaping and Greening, the Municipal Park Management Center, the Municipal Financial Management Bureau, the Municipal Housing and Urban-Rural Development Commission, and the Municipal Cultural Relics Bureau are responsible for the division of responsibilities)
5. Study and introduce financial support policies related to POS machine layout and upgrade, and stimulate the enthusiasm and initiative of payment service subjects to optimize the acceptance environment of bank cards. (The Municipal Bureau of Commerce, the Municipal Finance Bureau, the Municipal Monetary Authority and the Beijing Branch of the People’s Bank of China are responsible for the division of responsibilities)
(2) Continuously optimize the cash use environment and ensure cash payment according to laws and regulations.
6. Guide banking institutions to actively promote the aging transformation of network services, reasonably keep artificial cash counters, and establish a green channel for payment services for the elderly; Based on the demand for payment services for the elderly, we will continue to enrich all kinds of aging payment scenarios. (Beijing Branch of the People’s Bank of China, Beijing Supervision Bureau of the State Financial Supervision Administration, etc. are responsible according to the division of responsibilities)
7. Further optimize the deployment of ATM. In the city’s four-star hotels and surrounding areas, airports, high-speed railway station, subway stations and other key places, increase ATM distribution, improve the coverage of ATMs that support overseas bank card withdrawals, and constantly optimize ATM distribution points to facilitate operation and use. (Municipal Bureau of Culture and Tourism, Municipal Transportation Commission, Beijing Branch of the People’s Bank of China, Capital Airport Group, China Railway Beijing Bureau Group, etc. are responsible according to the division of responsibilities)
8. Continuously optimize foreign currency exchange services. Set up foreign currency exchange institutions and facilities in important transportation hubs such as airports, promote hotels in need to provide foreign currency exchange services, increase convertible foreign currency currencies, and strengthen business training for foreign currency exchange service personnel to improve service level. Encourage the establishment of foreign currency exchange institutions and facilities in places with more demand for payment services, and give certain rent relief. (Capital Airport Group, Municipal Bureau of Culture and Tourism, Beijing Branch of State Administration of Foreign Exchange, etc. are responsible according to the division of responsibilities)
9. Standardize cash receipts and payments. Adhere to the positioning of cash at the bottom, and the management departments of various industries should urge the business entities to ensure cash payment according to the law and regulations, make a good preparation for cash payment, and ensure the smooth cash payment in various scenarios, especially to guide the business entities in people’s livelihood and foreign-related fields such as shopping, catering, accommodation and tourism to publicly promise to accept cash, and allocate sufficient cash with different denominations according to the business volume; Guide the taxi industry to take the change reserve as the service standard; Guide airports, railway stations, highway passenger stations and other places to standardize cash receipts and payments. Increase the punishment and publicity for refusing to accept RMB cash according to law. (Beijing Branch of the People’s Bank of China, Municipal Bureau of Commerce, Municipal Bureau of Culture and Tourism, Municipal Transportation Commission, Municipal Bureau of Landscaping and Greening, Municipal Park Management Center, Municipal Bureau of Economy and Information Technology, Municipal Public Security Bureau, Municipal Finance Bureau, Municipal Housing and Urban-Rural Construction Committee, Municipal Health and Wellness Committee, Municipal Financial Management Bureau, Beijing Taxation Bureau, Municipal Communications Administration, Beijing Supervision Bureau of the State Financial Supervision and Administration, etc. are responsible according to the division of responsibilities)
10. Encourage and guide banking institutions to launch standardized and diversified "coin purse" products. Guide banking institutions to fully guarantee the cash supply of business outlets, ATMs, etc., and optimize cash access services. Supervise banking institutions to implement grid management responsibilities and support merchants in key areas to make cash reserves. (Responsible by Beijing Branch of the People’s Bank of China)
11. Promote the solution to the problem of "difficulty in purchasing tickets" and "difficulty in traveling" in cash. In parks, sports gymnasiums, tourist attractions, cultural centers, libraries, museums, art galleries and other places, manual ticket purchase windows are reserved to support cash payment. Optimize the 95128 telephone car service to ensure the cash payment option of car consumers. (Municipal Bureau of Culture and Tourism, Municipal Bureau of Cultural Relics, Municipal Bureau of Landscaping and Greening, Municipal Park Management Center, Municipal Communications Commission, Beijing Branch of the People’s Bank of China, etc. are responsible for the division of responsibilities)
(3) Vigorously promote mobile payment and enhance the convenience of mobile payment.
12. Optimize business processes and enrich product functions. Organize payment institutions to carry out mobile payment aggregation code distribution, and continuously optimize mobile payment products such as domestic e-wallet binding overseas bank card payment (external card binding), overseas e-wallet payment in domestic merchants (outsourcing for internal use) and China Unionpay Quick Pass Travel Card, so as to make all aspects of mobile payment more convenient. (Beijing Branch of the People’s Bank of China and Beijing Branch of the State Administration of Foreign Exchange are responsible according to the division of responsibilities)
13. Enhance the experience of accepting digital RMB. According to the list of key merchants, we will do a good job in building the acceptance environment of digital RMB, give full play to the payment advantages of digital RMB "small anonymous and large traceable", and continuously expand the application scope. (Beijing Branch of the People’s Bank of China, Municipal Bureau of Commerce, Municipal Bureau of Culture and Tourism, Municipal Monetary Authority, Capital Airport Group, etc. are responsible according to the division of responsibilities)
14. Continue to improve the communication services for foreigners coming to Beijing. Optimize the mobile phone number business process for foreigners coming to Beijing, broaden the channels for handling, provide good international roaming service, and provide basic support for them to handle mobile payment and other services. (Municipal Communications Administration, Municipal Government Services and Data Administration are responsible for the division of responsibilities)
15. Promote the integration of online and offline payment services. Focusing on tourist attractions, tourist resorts, night culture and tourism consumption gathering areas, characteristic commercial blocks, tourist and leisure blocks, and important entertainment places, it is more convenient to promote online and offline scene consumption payment. Support Internet platform enterprises closely related to consumption such as "food, housing, transportation, travel, shopping, entertainment and medical care", and optimize the payment experience of online and offline purchases of products and services by groups such as the elderly and foreigners coming to Beijing. (Municipal Bureau of Commerce, Municipal Bureau of Culture and Tourism, Beijing Branch of the People’s Bank of China, Beijing Branch of the State Administration of Foreign Exchange, etc. are responsible according to the division of responsibilities)
(4) Optimize account services and improve the level of account opening convenience.
16. Open channels for passport identity verification of foreigners coming to Beijing from government departments and banking institutions to further improve the efficiency of account opening services for foreigners coming to Beijing. (Municipal Government Service and Data Administration, Municipal Public Security Bureau, Beijing Branch of the People’s Bank of China, etc. are responsible according to the division of responsibilities)
17. Improve the supporting measures for account opening. Keep a close eye on key areas, outlets and business links, improve supporting services such as multilingual services, consultation and complaints, and improve the level of account opening services. (Responsible by Beijing Branch of the People’s Bank of China)
18. Strengthen the safety management of account funds. Guide banking institutions to establish a classified management system for the accounts of foreigners coming to Beijing, and provide differentiated banking institution account services that match the identifiable risk levels and actual needs of customers. (Responsible by Beijing Branch of the People’s Bank of China)
(E) Strengthen publicity and promotion to enhance the awareness of payment services.
19. Continue to publicize the safety and convenience of payment. Make a publicity plan, rely on all kinds of publicity resources, and carry out rich, diverse and targeted publicity of payment services with the help of airports, railway stations, airlines, travel agencies and other carriers. (Propaganda Department of the Municipal Party Committee, Foreign Affairs Office of the Municipal Government, Municipal Development and Reform Commission, Municipal Bureau of Commerce, Municipal Bureau of Culture and Tourism, Municipal Transportation Commission, Municipal Bureau of Landscaping and Greening, Municipal Park Management Center, Municipal Health and Wellness Commission, Municipal State-owned Assets Supervision and Administration Commission, Municipal Cultural Relics Bureau, Municipal Planning and Natural Resources Commission, Beijing Branch of the People’s Bank of China, Capital Airport Group, China Railway Beijing Bureau Group, etc., and the district governments and Beijing Economic and Technological Development Zone Management Committee are responsible according to their division of responsibilities).
20. Standardize the express payment service identification. Guide banking institutions to do a good job of posting payment service signs such as bank card swiping, ATM cash withdrawal and personal local and foreign currency exchange, so as to be complete, unified, clear and eye-catching. (Beijing Branch of the People’s Bank of China, Beijing Supervision Bureau of the State Financial Supervision Administration, etc. are responsible according to the division of responsibilities)
21. Give full play to the advantages of grid management, strengthen publicity, guidance and training for merchants, and standardize the posting of payment acceptance signs. (District governments, Beijing Economic and Technological Development Zone Administrative Committee and relevant units are responsible for the division of responsibilities)
22. Carry out risk investigation and strengthen emergency management. Supervise banking institutions, payment institutions and clearing institutions to do a good job in transaction monitoring and risk assessment, establish and improve emergency management mechanisms, ensure the continuity of payment business, and effectively protect the safety of users’ information and funds; Improve the efficiency of complaint handling and protect the legitimate rights and interests of consumers. (Beijing Branch of the People’s Bank of China, Beijing Supervision Bureau of the State Financial Supervision Administration, etc. are responsible according to the division of responsibilities)
Third, safeguard measures
23. Strengthen organizational leadership. The establishment of a municipal coordination mechanism to improve the level of payment services is jointly led by the Beijing Branch of the People’s Bank of China and the Municipal Financial Management Bureau, and the member units are the relevant responsible units for this implementation plan. Each member unit is responsible for promoting the implementation of various tasks, and the district governments and the Beijing Economic and Technological Development Zone Management Committee have implemented the territorial responsibilities, and made overall efforts to open up payment blocking points, fill shortcomings and weaknesses, and create a good environment.
24. Strengthen work supervision. The Beijing Branch of the People’s Bank of China will do a good job in overall planning, coordination, monitoring and supervision with the Municipal Financial Management Bureau. The district governments, the Beijing Economic and Technological Development Zone Administrative Committee and the industry management departments will strengthen supervision over the work of key merchants in key places, and strengthen information sharing and coordination among member units, forming a work pattern that closely follows the goals and works in the same direction.
25. Form a long-term mechanism. All relevant units, district governments and Beijing Economic and Technological Development Zone Management Committee should sum up their work experience in time, continue to consolidate and improve the level of payment services, promote the formation of a long-term working mechanism, and ensure the payment services for all kinds of important meetings and activities held in Beijing while meeting the daily payment service needs of the elderly, foreigners and other groups.
