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  转自:北京商报

  一季度中国经济交出了一份亮眼的成绩单。

  国内生产总值同比增长5.4%,不仅高于去年全国5%的增速,也高于去年一季度5.3%的增速,在全球主要经济体中名列前茅。

  数据不仅延续了中国经济回升向好的态势,更彰显了在复杂多变的国际环境下,中国经济的韧性和潜力。

  可以看到,一季度出口、消费、投资“三驾马车”齐头并进。其中,出口保持了较强的韧性,有效带动工业生产增长;以旧换新的政策促进了零售反弹,消费需求有所恢复;基建和制造业投资增速较快,为经济增长提供支撑。

  5.4%背后,不仅有“量”的增长,更有“质”的提升。人工智能、量子科技等一批先进技术不断推出和应用,带动一季度高技术产业加快成长。

  一季度,规模以上高技术制造业增加值同比增长9.7%,信息传输、软件和信息技术服务业增加值增长10.3%,这两个数据显示创新的动力在增强。无论是DeepSeek,还是以宇树为代表的人形机器人等一批创新成果,都是中国科技创新的实力彰显。

  随着二季度的到来,经济面临的考验不容小觑。一方面,“对等关税”冲击的影响开始逐步显现,会对我国经济和外贸带来一定压力。另一方面,影响消费增长的因素依然存在,且房地产市场回暖仍处在一个稳步调整阶段,需求还需要进一步释放。

  尽管如此,中国经济基础稳、韧性强、潜力大,不改向好大势。正如国家统计局副局长盛来运在国新办新闻发布会上所言,“我们有底气、有能力、有信心应对外部挑战,实现既定发展目标”。

  作为超大规模的经济体,我国在供给与需求两端均具备强劲实力,这也是最坚实的信心来源与底气所在。

  具体看出口,中国产品的国际竞争力依然强劲。依托于产业配套体系,我国产品在国际上口碑良好。

  近几年,我国积极开拓国际市场,构建贸易多元化格局,成效显著。从数字上看,在2018年,我国对美国的出口额占出口总额的比重是19.2%,去年已经下降到14.7%,这也彰显了我国外贸的韧性。

  在应对外部挑战方面,中国有丰富的经验和能力。从一季度来看,政策效应持续显现,对推动国民经济实现良好开局发挥了重要作用。根据外部形势的变化,及时推出增量政策,丰富的政策工具箱是应对外部冲击和挑战的保障。

  此外,政策重点也需要从投资转向消费。积极稳就业、促增收、减负担,提升居民消费能力是核心。消费直接关联收入,只有不断提高居民收入,消费能力才能提升,进而推动经济增长。

  无论外部环境如何复杂多变,中国经济始终拥有强大的韧性和活力。5.4%不仅是数字的增长,更是信心与希望的传递。

  转自:北京商报

  北京商报讯(记者廖蒙)第三方支付行业收单外包服务商备案工作持续推进中。4月16日,北京商报记者注意到,中国支付清算协会日前更新收单外包服务机构备案名单,共有242家收单外包服务机构通过备案。

  具体到备案机构开展的业务类型上,本次备案新增8家聚合支付服务类型机构,截至目前,通过该类型备案的机构总数达到711家。

  近年来,随着收单市场规模的快速发展壮大,不少收单机构通过业务外包模式开展收单业务,由此壮大了收单外包服务商市场。外包机构在收单市场中扮演着重要的角色,承担着商户推荐和维护、受理终端布放和维护等多种业务。

  从实际情况来看,部分收单机构为了追求短期利益,忽视风险管理,将收单业务进行转包、分包,导致业务链条复杂,责任难以界定。更有不法分子趁机混入收单外包服务领域,违规从事收单外包业务,为跨境赌博、电信诈骗等违法活动提供支付通道,严重扰乱了金融市场秩序。

  针对上述情况,中国支付清算协会陆续出台《收单外包服务机构备案管理办法(试行)》《收单外包服务机构自律规范(试行)》等文件,对收单外包机构提出备案管理要求和多项管理细则,“展业必备案”,也已经成为行业常态化动作。

  在博通分析金融行业资深分析师王蓬博看来,收单外包实际上是目前支付行业最直接接触商户和用户的机构,呈现出规模极大但鱼龙混杂的局面,该市场快速发展的同时也伴随着一些问题,如部分收单机构对合作外包机构准入审核不严等。为了规范收单外包服务市场秩序,加强行业自律管理,备案工作应运而生并持续推进。

  “备案工作可以明确外包机构的合法合规地位,促使收单机构加强对外包机构的管理,提升外包服务的整体质量和安全性。”王蓬博补充道。

  随着备案工作的持续推进,支付外包服务商备案数量和规模都有了大规模提升。根据中国支付清算协会官网披露的数据,本次更新后,已有33838家收单外包服务商通过备案。其中,具备特约商户推荐资质的30944家,具备受理标识张贴资质的19478家,具备特约商户维护资质的21260家,具备受理终端布放和维护资质的23247家。

  需要注意的是,即便是收单外包服务商已经成功备案,也并不意味着“一劳永逸”,持续、稳定的风险管控仍是必不可少的。

  从中国支付清算协会披露的数据来看,截至4月16日,已有363家收单外包服务商被取消备案资质,还有140家处于拟被取消备案资质的状态。

  “合规是长期性的必须动作。”王蓬博表示。

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