新“四方模式”领航 中国银联携手全球伙伴 共建跨境支付互联新生态

Core Viewpoint - China UnionPay has signed cross-border payment cooperation memorandums with 11 domestic and foreign institutions, aiming to build a new ecosystem for cross-border payments through an innovative "four-party model" [1][2]. Group 1: Cross-Border Payment Cooperation - The signing event is a highlight of China UnionPay's first partner conference, emphasizing "interconnection" as a core theme for driving industry collaboration [2]. - China UnionPay has established or advanced cross-border payment cooperation with approximately 50 countries and regions globally, including Southeast Asia, the Middle East, South America, and Africa [2]. - The new "four-party model" introduces wallet institutions and mobile manufacturers, breaking traditional boundaries and creating a multi-win industrial ecosystem [2][3]. Group 2: Global Payment Network Expansion - The global acceptance network of China UnionPay now covers 183 countries and regions, deeply penetrating core consumption scenarios such as food, accommodation, travel, shopping, and entertainment [3]. - The new model has received widespread recognition from global partners, with specific examples of collaboration in countries like Nepal, where local institutions are expanding acceptance ranges [3][4]. Group 3: Innovative Collaboration Approaches - China UnionPay emphasizes a cooperative philosophy that focuses on mutual benefits rather than attempting to replace local institutions, aiming to expand the cross-border payment market collaboratively [3][4]. - The company is exploring flexible cooperation models, such as government-to-government (G2G) and network-to-network (N2N) partnerships, depending on the market maturity and regulatory environment [4]. Group 4: Industry Recognition and Future Initiatives - Industry leaders have praised China UnionPay's cross-border payment practices for fostering an interconnected ecosystem and reducing fragmentation in global payments [6]. - The company has launched the "Open Payment Joint Initiative," with 72 domestic and foreign institutions agreeing to principles of openness, compatibility, and security to build a global payment network [7].