民生金融是广东省进行金融改革的三大目标之一。记者昨天从人民银行广州分行获悉，为深入贯彻落实《珠江三角洲地区改革发展规划纲要》，深化粤港两地金融合作与创新，助推粤港经济社会共同发展，由人行广州分行、香港金管局牵头，香港银行同业结算有限公司、广州银行电子结算中心、深圳金融电子结算中心、中国银联、香港中银等单位推动，联合粤港两地银行机构共同打造的粤港代收付系统（又称“粤港跨境缴费通”）已于近期顺利开通，包括汇丰、中银香港、渣打、永隆等多家香港金融机构率先获批开展该项业务。

Guangdong province people's livelihood finance is financial reform one of the three goals。Reporters from the people's bank yesterday, guangzhou branch learned，For the thorough implementation《Pearl river delta region development plan for reform》，Deepening the two governments financial cooperation and innovation，Thrusting guangdong-hk economic development，Guangzhou branch by them、Hong Kong led the hkma，Hong Kong interbank clearing Co., LTD、Guangzhou bank electronic settlement center、Shenzhen financial electronic settlement center、China unionpay、Hong Kong boc, and other units to promote，Two governments joint banking institutions to build the guangdong generation of receipts and payments system（Say again“The guangdong cross-border pay cost”）Already in the near future, a successful launch，Including HSBC、Bank of China (Hong Kong)、Standard chartered、Wing lung and a number of Hong Kong financial institutions in the business to take the lead in the approved。

　　香港居民率先实现“南卡北用” Hong Kong residents to take the lead to achieve the“South Carolina with north”

　　据悉，“粤港跨境缴费通”是广东省人民政府与香港特别行政区政府共同商定的金融合作内容，是粤港民生金融服务创新的重要成果。近年来，随着粤港两地经济的一体化，两地居民往来日益密切，在粤港相互选择投资、居家、消费等日渐增多。为解决两地支付瓶颈，便利两地居民往来，推动粤港金融创新，根据《粤港合作框架协议》安排，中国人民银行广州分行、香港金融管理局从2012年年初开始积极牵头，组织香港银行同业结算有限公司、广州银行电子结算中心、深圳金融电子结算中心、中国银联、香港中银等单位，以及粤港两地银行机构就开展“粤港跨境缴费通”的建设，达成了重要共识，促使该业务顺利推出。

It is reported，“The guangdong cross-border pay cost”Is the guangdong provincial people's government and the Hong Kong special administrative region government jointly agreed financial cooperation content，Guangdong people's livelihood is an important achievement of financial service innovation。In recent years，With the economic integration of the two governments，Local residents with increasingly close，Guangdong investment choice in each other、home、Consumption on increasing。To solve the pay two bottleneck，Convenient local residents exchanges，Promote industrial financial innovation，According to《Guangdong cooperative frame agreement》arrangement，The people's bank of China, guangzhou branch、The Hong Kong monetary authority from the beginning of 2012 started actively lead，Organization to Banks of Hong Kong securities clearing company limited、Guangzhou bank electronic settlement center、Shenzhen financial electronic settlement center、China unionpay、Boc Hong Kong etc，And the two governments to conduct banking institutions“The guangdong cross-border pay cost”construction，Reached an important agreement，To promote the business can be launched。

　　目前，“粤港跨境缴费通”首先开通的是香港客户缴付广东省商户费用单向服务，实现了南卡北用、南户北用，即香港客户可选择通过香港银行发行的银联港币或人民币借记卡、在香港银行开设的人民币账户缴纳内地商户费用。

At present，“The guangdong cross-border pay cost”First of all of the opening of the Hong Kong customers pay is guangdong province merchants one-way service fee，Realize the south Carolina with the north、South and north with，The Hong Kong customer can choose through the Hong Kong bank issues union pay hk or RMB debit card、In Hong Kong Banks to open renminbi account pay cost mainland businesses。

　　据介绍，首期香港客户缴付广东省商户费用业务，只要是已经参与香港同业结算有限公司人民币自动转账服务的香港参与银行均可办理，缴费方式不仅包括刷卡，还包括人民币账户、存折等。根据目前的规定，“粤港跨境缴费通”对每个申请户设定了单日合计付款不超过8万元等值人民币的支付上限，缴费服务内容包括广东省内的物业管理费、消费贷款、高尔夫球会会费等。人行广州分行表示，随着业务的开展，未来缴费内容还将进一步扩展到水电费、手机费、保险费等服务，同时广东客户还将可以缴付香港商户费用，实现北卡南用、北户南用，更长远来看，未来所有银行机构（不局限于银联合作机构）应都能办理此项业务，彻底实现粤港两地个人居民跨境支付业务上的双向互联互通。

According to introducing，The customer pay cost of guangdong province Hong Kong commercial business，As long as it is has participated in the Hong Kong trade settlement Co., LTD RMB transfer service in the Hong Kong bank all can deal with，Payment methods include not only charge，Also includes RMB account、Passbook, etc。According to the present provisions，“The guangdong cross-border pay cost”For each subscribers set point total payment does not exceed 80000 yuan RMB equivalent pay cap，Capture expends the service content including guangdong province property management fee、Consumer loans、Golf club membership dues, etc。Pedestrian guangzhou branch said，As business development，The future will be further expanded expends content to the electricity and water、Cellular phone fee、Insurance premium service，At the same time guangdong customers will also be able to pay the cost of the Hong Kong merchants，Realize the north Carolina in the south、North and south in，More in the long run，All future banking institutions（Is not limited to union pay cooperation agency）Can handle this business should be，Completely realize the two governments personal residents pay business two-way cross-border interconnected。

　　人行广州分行还表示，国务院已同意中国人民银行等八部委联合印发的《广东省建设珠江三角洲金融改革创新综合试验区总体方案》，并将于本周正式宣布该方案。为做好相关服务工作，接下来，粤港两地金融管理部门将进一步加强粤港两地支付体系的合作，秉承创新精神，在网上支付、网上交易、移动支付等方面合作推出更多产品。

Pedestrian guangzhou branch says，The state council of the people's bank of China has agreed to jointly issued by eight ministries《The pearl river delta of guangdong province construction financial reform and innovation comprehensive experimental district overall scheme》，And this week will officially announced the plan。For good correlation service work，The next，Two governments will further strengthen financial management department of the two governments pay system of cooperation，Adhering to the spirit of innovation，In the online payment、Online trading、Mobile payment etc cooperation more products。

　人民币国际化改革面临破题 Before the reform of RMB internationalization "presentation

　　记者昨天就此走访内地香港多家银行机构获悉，目前已有包括汇丰、中银香港、渣打、永隆等多家香港银行机构获准率先开展该项业务，持有上述银行发行的人民币港币双币卡的客户已经可以通过自助转账系统实现跨境人民币支付。不过有银行表示，由于上周刚刚开通，目前该项业务的业务量还较少，客户的知晓度提升仍有待加大宣传力度。

Reporters this visit Hong Kong yesterday mainland Banks that institution，Existing including HSBC、Bank of China (Hong Kong)、Standard chartered、Wing lung bank institutions and companies were allowed to take the lead in Hong Kong in the business，Hold the above bank issues RMB hk double money card customers have can through the self-help transfer system cross-border renminbi payments。But the bank said，Because just opened last week，At present the business volume of business is less，Customer's popularity ascension remains to be increased publicity。

　　据香港银行同业结算有限公司发布的数据显示，今年以来截至今年6月底，通过香港完成的人民币结算成交额达17.8万亿元，其中6月份单月突破3.7万亿元，同比分别增长161%和85%。资料还显示，截至6月份，已有128家金融机构成为该公司本地会员，其中包括工农中建交等多家中资银行以及汇丰、花旗、渣打等国际知名银行。

According to Hong Kong interbank clearing Co., LTD statistics released，Since this year by the end of June this year，Through the Hong Kong completed RMB turnover was 17.8 trillion yuan，One month in June over 3.7 trillion yuan，Year-on-year growth of 161% and 85% respectively。Material also shows that the，By June，There were 128 financial institutions to become the company local members，Including diplomatic relations between the workers and peasants and companies in Chinese Banks and HSBC、citigroup、Standard chartered and other international well-known bank。

　　央行副行长潘功胜此前指出，央行正研究开展个人跨境人民币业务，允许居民个人办理人民币对外付款和跨境人民币结算业务。而有不愿具名的银行业昨天表示，随着人民币国际化日益加深，个人人民币跨境支付业务将全面放开，将为未来内地及香港居民的资金往来提供更便利的条件，而更重要的影响是，未来人民币将最终实现资本项目下的可兑换，届时内地及香港之间的“货币门槛”将彻底打破，对两地居民的日常生活、投资理财均有深远影响。

The deputy governor PanGong-previously said，Central Banks are carrying out the research cross-border RMB business，Allow residents personal for RMB foreign payment and cross-border RMB business。And anonymous banking said yesterday，With the deepening of RMB internationalization，Personal RMB cross-border business will pay full release，Will the Chinese mainland and Hong Kong residents for the future of the funds to provide more convenient conditions，And more important influence is，Future RMB will finally realize capital project of convertible，When the mainland and Hong Kong in between“Monetary threshold”Will completely break，To local residents of everyday life、Investment banking all have profound influence。