How does the network payment industry with 900 million users accelerate development?

Core point: Yang Fei, the author of China Economic Network column, believes that promoting the optimization of network payment services needs to deepen the structural reform of the supply -side supply side of network payment services from reality, and gradually break the "digital barriers". To promote the development of the network payment industry, the most important thing is to accelerate the construction of new infrastructure to make the "digital base" more stable.

Recently, the China Payment and Clearance Association released the "Annual Report of China Payment Industry 2022", which introduced the overview of my country's payment industry in 2021. According to the annual report, as of 2021, the number of online payment users in my country reached 904 million, an increase of 49.29 million compared with 2020, accounting for 87.6%of the overall scale of netizens.

In recent years, online payment has become increasingly integrated into the daily life of the public. Through network payment services, users can achieve living expenses such as cable TV, water, electricity, gas and other living expenses without leaving home. For elderly users, visually impaired users and other people, many apps have launched upgraded versions to meet the needs of this group for mobile payment. The network payment service has widely covered the daily production and life of consumers such as public transportation, public payment, and catering merchants, which greatly meets the people's payment services and improves the convenience of the people's lives. It is believed that with the in -depth integration of traditional industries such as industry, transportation, medical care, and energy, future online payment will also provide more possibilities for the improvement of people's livelihood.

With the further improvement of my country's Internet popularization rate, the digital economy with data as the core production and digital technology as the driving force flourish, and it has also entered a period of rapid development. Data show that my country's digital economy ranks second in the world, and technology breakthrough has opened up a lot of blocks in the development of emerging industries. The rapid development of online payment is the epitome of the development of my country's digital economy.

Continuous infrastructure construction and continuous improvement financial services capabilities are an important foundation for the development of network payment. Since the 18th National Congress of the Communist Party of China, my country's Internet infrastructure comprehensive capacity has achieved leap -up improvement. It has built the world's largest and technological -leading network infrastructure, historically completed the "light into copper retreat" transformation project, all prefecture -level cities have been fully built in the optical network network. City. In 2021, the financial stability of payment institutions has increased significantly compared with the previous year, and more than 70%of institutions have achieved profitability. my country ’s network payment business represented by mobile payment leads the world, and has gradually become a global business card for my country's payment industry in the world.

To promote the optimization of network payment services, it is necessary to proceed from the actual situation, deepen the structural reform of the supply side of network payment services, gradually break the "digital barriers", adapt to the new trend of mobile payment development as soon as possible, enrich the network payment service supply system, and help financial institutions' mobile payment platform construction construction , Improve the level of network payment services. At the same time, the regulatory authorities should work more in terms of online payment security guarantee, promote the establishment of a stronger data security awareness in the whole society, and build a security barrier in the digital economy.

"If you want to do good things, you must first benefit its instruments." Promoting the development of the network payment industry, the most important thing is to accelerate the construction of new infrastructure and make the "digital base" more stable. At present, the new infrastructure represented by 5G is leading the digital transformation, intelligent upgrade and integration innovation of China's economic and social. Accelerating the "new infrastructure" is not only the need for the current stability of the economy, but also a long -term strategy of high -quality development. Facing the development opportunities of digitalization and digital industrialization, new infrastructure construction such as 5G networks, the Internet of Things, artificial intelligence, and industrial Internet data center needs to be promoted as soon as possible, so as can. (China Economic Network columnist Yang Fei)

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