中国银联坚持新“四方模式” 创新探索跨境互联互通合作

Core Viewpoint - The launch of the cross-border QR code unified gateway, guided by the People's Bank of China and developed by the China Payment and Clearing Association in collaboration with China UnionPay, aims to streamline cross-border QR code payments by addressing the issue of multiple connections in the industry [1][3]. Group 1: Unified Gateway and Cross-Border Payment Models - The unified gateway features a "one-point connection" interface to resolve previous issues in cross-border QR code payments [1]. - China UnionPay has introduced diverse cross-border connectivity models, including "Government to Government (G2G)" and "Network to Network (N2N)" under the guidance of the People's Bank of China [3]. - The G2G model involves central banks of two countries establishing a framework, with UnionPay acting as the external interface for business connections [3]. Group 2: Implementation and Partnerships - The G2G model has already facilitated projects in Vietnam and Indonesia, with a pilot program for cross-border QR code connectivity between China and Indonesia launched in September [3]. - In the N2N model, UnionPay directly collaborates with overseas QR code network operators, successfully implemented in markets like Malaysia, Singapore, Japan, and South Korea [5]. - In Malaysia, UnionPay partnered with PayNet to enable QR code cross-border payment connectivity, allowing Chinese tourists to use UnionPay apps at 2.5 million merchants [5]. Group 3: Expansion and Ecosystem Development - UnionPay has established partnerships in 19 countries and regions, leading to over 10 million overseas QR code acceptance merchants, with expectations to reach tens of millions by the end of the year [5]. - The company has integrated over 170 overseas QR code payment wallets into its network, covering 30 countries and regions [5]. - UnionPay is collaborating with various industry players to create a new "four-party model" for smoother participation in the cross-border payment ecosystem [7]. Group 4: Infrastructure and Standards - UnionPay's exploration of cross-border payments has evolved from "hard connectivity" to "soft connectivity" focusing on rules and standards [7]. - The company has assisted Laos in building its national payment system using UnionPay standards and technology [7]. - In Thailand, UnionPay has collaborated with other card brands to launch a local QR code payment standard, which is recommended by the central bank to local financial institutions and merchants [8]. Group 5: Future Directions - With the unified gateway now operational, UnionPay plans to continue exploring new cross-border connectivity models and collaborate with more domestic and international partners to enhance payment service interoperability [10].