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金融时报双语(双语外刊):中国银联拟在英国发行品牌卡

2018-9-17 20:47| 发布者: admin| 查看: 189| 评论: 0

摘要: China UnionPay kicks off European expansion with UK launch中国银联拟在英国发行品牌卡公众号:英语人才会个人微信:BlucestudyChina UnionPay, the world’s biggest payment card issuer, is preparing to launch ...

China UnionPay kicks off European expansion with UK launch

中国银联拟在英国发行品牌卡

公众号:英语人才会

个人微信:Blucestudy

China UnionPay, the world’s biggest payment card issuer, is preparing to launch branded cards in the UK, the first step in a wider European expansion plan to challenge its US rivals Visa and Mastercard in one of their key markets.

全球最大的支付卡发行商中国银联(China UnionPay)正准备在英国推出品牌卡,这是其更广泛的欧洲扩张计划的第一步,在美国竞争对手Visa和万事达卡(MasterCard)的主要市场之一挑战它们。

The move comes as UnionPay faces intense competition in its home market from digital payments groups Alipay and WeChat Pay. It is also likely to add to the frustration of its US rivals, which have spent years trying to enter the Chinese market.

目前,银联在本土市场面临数字支付集团支付宝(Alipay)和微信支付(WeChat Pay)的激烈竞争。此外,银联此举可能加大其美国竞争对手的挫败感,后者多年尝试进入中国市场。

The Chinese state-controlled group will team up with a UK company as early as next month to start issuing virtual pre-paid cards for British corporate clients to give to their staff for use via a mobile wallet when travelling in Asia.

这家中国国有控股的集团与一家英国公司合作,最早将于下月开始为英国企业客户发行虚拟预付卡,让它们的员工能在亚洲出差时通过一个手机钱包使用。

This will be followed by more deals to issue UnionPay branded credit cards elsewhere in Europe as early as December. “In Europe we want to target local customers in the domestic market, not only people travelling to Asia” said Zhihong Wei, head of UnionPay in Europe.

随后银联将进行更多交易,最快在12月在欧洲其他地方发行品牌信用卡。“在欧洲,我们希望面向其国内市场的当地客户,而不仅仅是前往亚洲的人们,”银联国际欧洲分公司总经理魏志宏表示。

Founded under a charter from the People’s Bank of China in 2002, UnionPay has a virtual monopoly on bank card payments in its domestic market, where it has issued 6bn cards — more than Visa and Mastercard combined.

中国银联在2002年经中国人民银行(PBoC)批准成立,在国内近乎垄断银行卡支付市场,已发行60亿张卡——超过Visa和万事达卡之和。

The Chinese group has been expanding internationally in recent years, mostly in Asia, and its cards are accepted by more than 41m merchants and 2m ATMs in 170 countries.

这家中国集团近年一直在国际上扩张,主要是在亚洲,而它发行的卡被170个国家的4100多万商户和200万台自动取款机接受。

It first moved into Europe a decade ago to provide access for Chinese tourists and its cards are now accepted by 60 per cent of merchants and ATMs in the region. It has offices in Paris, London, Madrid, Milan, Frankfurt and Budapest, with another set to open in Stockholm.

它在10年前首次进入欧洲,以便为中国游客打通支付渠道,现在该地区有60%的商户和自动取款机接受银联卡。银联在巴黎、伦敦、马德里、米兰、法兰克福和布达佩斯设有办事处,在斯德哥尔摩也将设立一个办事处。

Mr Wei said it did not need a licence for its European expansion plan as its cards will be issued by third parties, such as banks, and its transactions will be handled by payment processing groups.

魏志宏表示,其欧洲扩张计划不需要许可证,因为卡将由银行等第三方发行,而交易由支付处理集团处理。

Six years after the World Trade Organization ruled that China discriminates against foreign payment groups, Visa and Mastercard have applied to Beijing for licences to clear renminbi payments but are awaiting approval.

6年前世界贸易组织(WTO)裁定中国歧视外国支付集团,如今Visa和万事达卡仍在等待北京方面批准其结算人民币支付的牌照。

UnionPay operates with a business model similar to Visa and Mastercard, earning a commission on each card swipe. The currency-printing unit of the PBoC is its largest shareholder, with the remaining equity mostly held by state-owned financial institutions.

银联的业务模式类似于Visa和万事达卡,用户每次刷卡都使其获得佣金。中国央行旗下的中国印钞造币总公司是其最大股东,其余股权主要由国有金融机构持有。

But the rise of mobile payments in China — dominated by Ant Financial’s Alipay and Tencent’s WeChat Pay — has dislodged UnionPay from its dominant position in electronic payments. Beyond the loss of fee income, the group is also losing access to valuable transaction data from consumers who have switched from plastic to mobile phones.

但是,移动支付在中国的兴起——该市场由蚂蚁金服(Ant Financial)的支付宝和腾讯(Tencent)的微信支付主导——已经把银联赶下其在电子支付领域的霸主地位。除了失去手续费收入外,该集团还失去了从消费者获取宝贵交易数据的机会,因为消费者已放弃银行卡支付,转而使用手机支付。

However, Mr Wei said UnionPay was regaining ground on its digital rivals with its QuickPass system, which uses Near Field Communication (NFC) chips of the type used at subway turnstiles around the world and contactless card payments in the US and UK.

然而,魏志宏表示,银联正借助其闪付(QuickPass)系统从数字竞争对手那里夺回市场份额,该系统采用近场通信(NFC)芯片,在技术上类似于世界各地的地铁交通卡以及美国和英国的非接触式支付卡。

The move to issue UnionPay-branded cards in Europe comes seven years after London department store Harrods became one of the early UK retailers to install a UnionPay point-of-sale terminal, prompting a spike in sales from Chinese students and tourists who were able to spend directly from their Chinese bank accounts.

7年前,伦敦百货商店哈罗德(Harrods)成为首批安装银联POS终端的英国零售商之一,那个举动引发中国留学生和游客消费激增,因为他们可以直接从自己在国内的银行账户支出。

 


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