银联国际支持“一带一路”支付网络互联互通

银联国际支持“一带一路”支付网络互联互通

UnionPay International supports interconnected payment network along “the Belt and Road”

2013年“一带一路”倡议提出以来，银联国际一方面把倡议契机转化为实际业务机会，另一方面通过自身业务支持倡议的推进和落实。

目前，在“一带一路”涉及的60多个国家和地区，有近50个国家和地区已经可以使用银联卡。银联卡不仅为各国企业和居民提供了优质、安全、高效的支付服务，还参与和帮助了当地支付体系建设。

双向支持中国与“一带一路”人员往来

顺应“一带一路”倡议实施，沿线市场的银联卡受理和发卡业务取得突破性进展，双向支持中国与这些地区的经贸合作和人员交流。

作为中亚区域中心国家，哈萨克斯坦是沿线市场银联卡业务进展的一个“缩影”：短短两年时间，当地ATM和POS终端的银联卡受理覆盖率从50%和20%，快速提升到目前的80%；预计年内将进一步提升到95%，基本实现银联卡在哈使用“无障碍”。同时，当地已累计发行超过130万张银联卡。

同样在巴基斯坦，不仅几乎所有POS终端和逾七成ATM能用银联卡，当地还累计发行了超过340万张银联卡，“银联”已成为巴基斯坦发卡市场份额第二的国际卡品牌。俄罗斯则有约34万台POS终端和4万台ATM受理银联卡，年内受理覆盖率均将大幅提升到80%。

这意味着，银联卡不仅服务于到访当地的中国企业和中国人，也成为越来越多“一带一路”沿线市场居民喜爱的支付工具。数据显示，2016年，巴基斯坦、尼泊尔等国发行的银联卡在中国境内的交易量增长近2倍，俄罗斯、吉尔吉斯、印尼、毛里求斯等国发行的银联卡在中国境内的交易量增速也在50%左右。

推动中国金融技术标准“出海”

近年来，银联不仅实现自有网络、品牌、产品“走出去”，也通过参与境外支付产业基础设施建设、芯片卡标准授权等方式，推动中国金融技术标准成功“出海”，服务中国金融机构、中国企业、中国人“走出去”。

一方面是通过援建和商业合作等方式，参与建成了老挝的国家银行卡支付系统，还与泰国主要银行合作建立本地转接网络TPN（Thai Payment Network）。以TPN为基础，银联还帮助泰国创建自有借记卡品牌TPN，降低当地银行对其他国际卡品牌的依赖。

另一方面是推动银联芯片标准“走出去”。目前，银联芯片卡标准不仅是泰国、缅甸银行业的推荐标准，还成为APN（Asian Payment Network，APN）的跨境芯片卡标准，新加坡、韩国、马来西亚、印尼、菲律宾等国的7家主流转接网络已获得授权，把银联芯片卡标准作为受理、发卡业务的技术标准。今年2月，银联国际还与菲律宾转接网络BancNet签署发卡合作协议，共同推动会员银行大规模发行银联芯片卡，这意味着首个基于APN芯片标准授权的发卡项目落地。

未来，银联国际将继续通过受理和发卡业务双向支持中国与这些区域的人员往来，同时借助一些具有可复制性和可拓展性的项目，实现中国与“一带一路”沿线市场金融基础设施的互联互通，提升中国支付产业的国际竞争力。

2016年3月24日，银联通过与阿联酋央行旗下本地转接网络UAE SWITCH合作，实现银联卡在当地ATM的全面受理。中国银联董事长葛华勇（ 右 ）、阿联酋央行行长H.E Mubarak Rashed Al Mansoori（ 左 ）出席仪式。

2017年3月1日，银联国际与菲律宾发卡机构OmniPay合作发行首张马尼拉市市民卡，银联卡将作为马尼拉市政府向市民发放各类补贴的统一银行卡。中国银联总裁时文朝（ 右 ）、马尼拉市副市长Maria Sheilah H. Lacuna-Pangan（ 中 ）、OmniPay董事长Melito S. Salazar Jr.（ 左 ）出席仪式。

2015年4月20日，银联国际与哈萨克商业银行在上海宣布深化合作，全面开通该银行旗下商户受理银联卡。银联国际首席执行官蔡剑波（ 右 ）、哈商银行行长Magzhan Auezov（ 左 ）出席仪式。

Since “the Belt and Road” was proposed in 2013, UnionPay International has put such proposed opportunity into practical business, while having supported improvement and practice of such proposal with its own business.

At present, UnionPay cards can be available in approximately 50 countries and regions of more than 60 ones along “the Belt and Road”. UnionPay cards have not only provided qualified, safe and efficient payment services to enterprises and residents of each country, but also taken part in helping the establishment of local payment system.

2016年10月12日，银联宣布与亚洲支付联盟（ Asian Payment Network，APN）7家会员机构达成芯片卡标准授权合作。中国人民银行党委委员、副行长范一飞（ 左六 ），中国银联董事长葛华勇（ 右四 ）、总裁时文朝（ 左一 ）出席签约仪式。银联国际首席执行官蔡剑波（右二 ）与相关机构负责人签署了授权协议。

Supports to the contacts between China and the countries and regions along the “the Belt and Road”

For the practice of “the Belt and Road”, the acceptance and issuance of UnionPay cards has gained the breakthrough improvement over the markets along “the Belt and Road”, bringing supports to economic and trade cooperation and personal contacts of China and those regions.

As a central country in Asian regions, Kazakhstan is one “Epitome” of UnionPay card business launched in the markets along “the Belt and Road”. As a matter of fact, the acceptance coverage rate of local ATMs and POSs of UnionPay cards has greatly increased up to 80% from 50% and 20% in the recent two years; and it is estimated that 95% will be achieved within this year, and accordingly a “barrier-free” over the use of UnionPay cards will be generally achieved in Kazakhstan. Additionally, more than 1,300,000 UnionPay cards have been issued accumulatively in the local.

In Pakistan, UnionPay cards can be available at almost all POSs and over 70% of ATMs, and more than 3,400,000 UnionPay cards have been issued accumulatively in the local, according to which UnionPay has become the second international card brand in the issuing shares of Pakistan. About 340,000 POSs and 40,000 ATMs can accept UnionPay cards in Russia, and the acceptance coverage rate will be greatly added up to 80% within this year.

It means that UnionPay cards not only serve Chinese enterprises and Chinese people visiting there, but also become a payment tool favored by more and more residents along “the Belt and Road”. The data shows that the transactions made with UnionPay cards issued in Pakistan and Nepal have been almost increased by twice in China; and the transactions made with UnionPay cards issued in Kirghizia, Indonesia and Mauritius have been increased by about 50% in China.

Promote the “go overseas” of China’s financial technologies

In recent years, UnionPay has not only achieved the “reach out” of its own network, brands and products, but also promoted the “go overseas” of China’s financial technologies, and supported the “reach out” of China’s financial entities, enterprises and people by taking part in building the overseas payment facilities and in licensing the chip card criteria.

On the one hand, UnionPay has taken part in the building of national bankcard payment system of Laos, and cooperated to establish the TPN (Thai Payment Network) with major banks of Thailand by the way of aids and business cooperation. Meanwhile, UnionPay has helped Thailand to create its own debit card brand, i.e., TPN for the purpose of decreasing the dependence of its local banks to other international card brands.

On the other hand, the “reach out” of UnionPay chip criteria will be promoted. Currently, UnionPay chip card criteria not only act as the recommended criteria in the bank sectors of Thailand and Burma, but also become the cross-border chip card criteria of APN (Asian Payment Network，APN); and the main payment networks of Singapore, Korea, Malaysia, Indonesia, the Philippines and the other two countries have gained the license, according to which UnionPay chip card criteria will be applied to their card acceptance and issuance. In February of this Year, UnionPay International has signed a issuing cooperation agreement with BancNet of the Philippines for jointly promoting the mass issuance of UnionPay chip cards of the member banks, which means that the first issuing project based on APN chip criteria license is launched.

In the future, UnionPay international will support the contacts of China and these regions by its continuous acceptance and issuance, and reach the interconnection of financial facilities between China and the countries and regions along “the Belt and Road” for improving the international competitive power of China’s payment industry with those duplicable and expansible projects.