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VISA拟进中国 当局推网联 银联垄断或结束
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Topic: VISA拟进中国 当局推网联 银联垄断或结束 (Read 127 times)
terry1xxx
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VISA拟进中国 当局推网联 银联垄断或结束
August 08, 2017, 02:58:42 AM
#1
最近,中国的银行卡支付和非银行支付业务都出现较大变化——VISA已经申请在中国境内设立银行卡清算机构的申请,同时当局推出了“非银行支付机构网络支付清算平台” (下称“网联”平台)。业界分析,当局正在以此清理已形成垄断并有洗钱嫌疑的银联业务。
8月4日央行发布一份文件,宣布从2018年6月30日起正式启动“网联”平台,即“非银行支付机构网络支付清算平台”,主要是针对支付宝、财付通等非银行第三方支付机构。
也就是说,上述支付机构由直接与各家银行对接,变成通过网联与各家银行对接。
业界分析,这或许是针对长期垄断中国清算业务的银联。银联除了进行线下清算业务外,也涉及线上业务,“网联”平台启动后,意味着最近受到监管的第三方支付不再只能依靠银联清算,“网联”和银联同时具备清算功能。
国际发卡机构VISA或在中国设立银行卡清算机构
除了非银行线上支付清算业务之外,银行卡清算业务也出现重大变化。
国际发卡机构VISA已经确认,计划在中国境内设立银行卡清算机构,并已经向央行递交申请。根据规定,申请递交后90天内得到结果,经手部门包括央行和银监会。
除了VISA之外,万事达(MasterCard)、美国运通(American Express)等国际发卡机构也表示在中国境内设立银行卡清算机构的意向,这意味着国际发卡机构不仅能发行信用卡,还将以清算业务涉足银行卡业务。
银行卡清算是指银行卡持卡人在用卡交易后,银行与银行、银行与受理银行卡的商家之间的资金结算和转账过程。近15年以来,中国境内的银行卡清算业务长期由银联“一统”,被业界称为形成垄断的局面。
银联长期垄断的局面或将结束
在此之前,当局分别在2015年4月和2016年12月份,准许外资机构进入中国经营银行卡清算业务,以及停止发行新的银联双标信用卡。
这被业界解读为为逐渐削弱银联在中国的垄断地位做准备。据悉,除了境内,境外支持银联的ATM超过130万台,分布在160个国家和地区,可用银联卡支付的实体商户和网络商户数以千万。
中国银联于2002年在上海成立,2003年开始启用双标信用卡(一卡两标志的银联+VISA、银联+MasterCard、银联+JCB等),被指不符合国际上一张信用卡只能归属于一个银行卡组织的惯例,这些国际发卡机构也曾因无法在中国开展新业务而对中共进行谴责。
2004年开始,所有的人民币银行卡都被要求使用银联的BIN号,同时各个银行原来自己的POS机网络统一由银联收编。
银联长期的垄断行为一直受到业界质疑,同时也被指在澳门赌场、珠宝店、香港人寿保险等存在洗钱嫌疑。而银联卡成立之初的主要投资方之一被起底包括中国人寿,投资主导者是时任投资管理部总经理的中共江派常委刘云山之子刘乐飞。
从去年至今,当局相继叫停了银联卡的境外购买保险业务;停用并移走了澳门赌场内所有的银联终端机;禁止银联卡进行境外房地产或投资类交易;规定境内银行卡在境外的消费和交易超过1000元,相关发卡机构需要上报相关信息。
drowsde
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Re: VISA拟进中国 当局推网联 银联垄断或结束
August 08, 2017, 02:56:50 PM
#2
肯定有限制
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VISA拟进中国 当局推网联 银联垄断或结束
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