{"id":"AP67657149e4b05d3b3247b83e","oid":"AP67657149e4b05d3b3247b83e","title":"金融科技创新助力，澳门居民在大湾区生活更便利","comment":"","updated":"2024-12-20T13:29:45.441+0000","properties":{"blackWhite":"false","picNames":null,"fulltext_highLight":null,"subscriptionEnterdescribe":null,"subscriptionColumnId":null,"showOthers":"true","video_userId":null,"text":"陈颖","audio_userId":null,"keyword":[{"score":1,"keyword":"金融科技"},{"score":0.95,"keyword":"澳门居民"},{"score":0.9,"keyword":"跨境支付"},{"score":0.85,"keyword":"琴澳支付通"},{"score":0.85,"keyword":"粤港澳大湾区"},{"score":0.8,"keyword":"工银澳门"},{"score":0.75,"keyword":"跨境理财通"},{"score":0.7,"keyword":"便捷生活"},{"score":0.65,"keyword":"金融服务"},{"score":0.6,"keyword":"电子支付"}],"smallTitle":null,"mapping":null,"subscriptionEnterLittleImage":null,"subscriptionVideoId":null,"wailianUrl":null,"fulltext_highLight_title":null,"sign_up":null,"searchType":null,"searchLocation":null,"showAdvert":"true","subscriptionBackgroundUrl":null,"wailiangao":"0","modelType":null,"PCstory":"true","subscriptionType":null,"materials":null,"manuscriptClassification":null,"AIAssistant":"true","developType":null,"jianbaoTime":"2024-12-20 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justify;\">金融是国民经济血脉，一项项便利澳门居民生活的举措中少不了金融创新的身影。记者20日从中国工商银行了解到，近年来包括“琴澳支付通”等在内的一系列金融科技创新，为澳门同胞在粤港澳大湾区生活、就业、创业提供便利，助力推动做大做强澳珠极点。</p><p style=\"text-align: justify;\">2018年，尽管澳门已迈开接纳移动支付的步伐，但现金与信用卡依旧主导着消费的主旋律。2019年，以工银澳门的“工银e支付”为代表的创新电子支付产品如雨后春笋般涌现，迅速改变了澳门的支付格局。横琴工行“琴澳支付通”推出之后，澳门居民在横琴的“澳门新街坊”可以直接使用澳门元进行电子消费，省去了货币兑换的不便，为电子支付领域增添了重要的一笔。曾经，澳门居民还为跨境旅行需携带多张公交卡或零钱而烦恼。2023年工行的跨境“乘车码”产品广泛应用后，澳门居民可以在港、澳、珠、莞、杭等地轻松扫码乘车，解决了跨境乘车支付难题，出行更加便捷。支付融通开启了澳门居民生活新体验。</p><p style=\"text-align: justify;\">2022年末，随着“澳车北上”政策的启动，工商银行软件开发中心迅速响应，携手工银澳门、珠海工行，共同推出“车主专区”服务，服务北上车主用车需求。这个平台提供了汽车加油、保养、罚款缴纳、ETC办理等全面服务，让澳门居民北上之旅变得更顺畅。</p><p style=\"text-align: justify;\">金融科技创新受益的除了澳门居民，还有到澳门工作生活的内地居民。工银澳门和珠海工行联合推出的“琴澳薪汇通”能够轻松实现快速、无缝的薪酬跨境汇款。“工银e生活”APP还是游客澳门之旅的得力助手。在启程前，游客可以通过该平台获取澳门商户的优惠券，享受商家的丰富折扣。而随着《粤港澳大湾区“跨境理财通”业务试点实施细则》的出台，工商银行更是适时推出系列稳健的跨境投资产品，实现跨境资金的闭环管理，提供多元化财富增值途径。</p><p style=\"text-align: justify;\">记者从中国工商银行珠海分行获悉，该行将持续与工行软件开发中心联动，发挥金融科技优势，后续还将提供更多高效便捷、充满关怀的金融服务。</p>","channelId":"zjyapp","columnId":"5dd92265e4b0bf88dd8c1175","author":"陈颖","url":"https://pub-zhtb.hizh.cn/a/202412/20/AP67657149e4b05d3b3247b83e.html","storyType":"COMPO","storyResource":{},"thumbnailStyle":0,"contentType":0,"canComment":1,"publishTime":"2024-12-20T13:29:43.000+0000","language":"","originUrl":"","wordCount":786,"editor":"王朝辉","sourceId":"CO67654c34d5de6345661b48f8","summary":"","relatedStories":[{"summary":"","publishTime":"2026-07-30 20:34:47","img":"https://pub-point.hizh.cn/images/202607/30/6a6b458ff9bf2f2ec5a70fac.jpeg","id":"AP6a6b44e8e4b082bf21514d7d","title":"琴澳观察室丨从隔江相望到双向奔赴，琴澳跨境医疗如何实现双向互通？","thumbnails":[{"proportion":"3:2","url":"https://pub-point.hizh.cn/images/202607/30/6a6b458ff9bf2f2ec5a70fac.jpeg"}],"url":"https://pub-zhtb.hizh.cn/a/202607/30/AP6a6b44e8e4b082bf21514d7d.html"},{"summary":"","publishTime":"2026-07-31 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