中文引言：
Hi，外国朋友！随着中国“免签”政策的扩大，越来越多的外国朋友来到中国旅游、生活和工作。招商信诺河南分公司为您准备了一份贴心的金融服务指南，帮助您在中国更好地享受金融服务！
英文引言：
Hi, foreign friends! With the expansion of China's "visa-free" policy, more and more foreign friends are coming to China for tourism, living, and working. Cigna & CMB Life Insurance Company Limited Henan Branch has prepared a considerate financial services guide for you to help you enjoy financial services better in China!
第一篇：常见金融服务
Part 1: Common Financial Services
1. 移动支付（Mobile Payments）
中文内容：
外籍人士可以使用支付宝、微信、云闪付等移动支付工具，享受便捷的支付体验。
英文内容：
Foreign nationals can use mobile payment tools such as Alipay, WeChat Pay, and UnionPay Cloud Quick Pass to enjoy a convenient payment experience.
小提示：
遇到问题可拨打各平台的英语客服热线。
Tip：
If you encounter problems, you can call the English-speaking customer service hotlines of each platform.
2. 保险保障（Insurance Protection）
中文内容：
社会保障：包括养老、医疗、失业等基本保障。
商业保险：如人寿、健康、意外等，可根据需求选择。
英文内容：
Social Security: It includes basic protections such as pension, medical, and unemployment insurance.
Commercial Insurance: Such as life insurance, health insurance, and accident insurance. You can choose according to your needs.
小提示：
使用“外国人永久居留身份证”可通过柜面、官网等渠道购买保险。
Tip：
With the "Foreign Permanent Resident Identity Card", you can purchase insurance through channels such as bank counters and official websites.
3. 跨境汇款（Cross-Border Remittances）
中文内容：
当有跨境汇款的需求时，可以选择银行或第三方支付机构办理，并按照外汇管理规定办理相关手续。
英文内容：
When you have a need for cross-border remittances, you can choose banks or third-party payment institutions to handle them and go through relevant procedures in accordance with foreign exchange management regulations.
4. 银行汇款（Bank Remittances）
中文内容：
通过柜台、网银、手机银行办理。
英文内容：
You can handle them through bank counters, online banking, or mobile banking.
5. 第三方支付（Third-Party Payments）
中文内容：
注意甄别并选择正规、可靠的渠道（如PayPal、Wise等）。了解汇款费用和汇率，避免资金损失。
英文内容：
Be sure to screen and choose regular and reliable channels (such as PayPal, Wise, etc.). Understand the remittance fees and exchange rates to avoid financial losses.