中信银行党委委员、副行长谢志斌表示："金融的本质在于链接价值。此次携手，我们以场景金融为核心导向，将双方优势深度绑定，把普惠金融的温度注 入每一个消费场景，让'不出国门 海购全球'的美好体验触手可及、落地生根。" 中免集团党委委员、副总经理周领军指出，旅游零售行业的未来，在于创新，在于对用户价值的不懈追求。中免集团与中信银行的全面合作，是双方核心资 源的深度整合、创新模式的大胆探索，以联名信用卡为起点，必将开启一段共赢发展的崭新旅程。 中国银联党委委员、执行副总裁胡浩中强调，立足海南自贸港封关运营的战略机遇，中国银联将持续深化三方创新合作，以更优质的支付产品、更完善的服 务网络、更丰富的权益生态，共同助力全国消费升级，赋能海南自贸港高质量发展的崭新篇章。 权益设计紧扣消费闭环，提升转化与留存效率 公司动态 在海南自贸港建设全面提速、离岛免税政策持续加码的背景下，金融与品质消费场景的深度融合正迎来关键突破。2025年11月19日，中信银行携手中免集 团、中国银联在三亚正式发布联名信用卡，标志着"金融+旅游零售"生态合作进入实质性落地阶段。 该产品依托中免集团全国免税网络、中信银行综合金融服务能力及中国银联安全高 ...

以阿联酋为例，该国是银联在中东布局最深的市场之一。根据银联披露的信息显示，自2009年银联进入 阿联酋市场以来，不仅基本实现了ATM与商户受理的全覆盖，还开通了大批二维码受理点以及阿联酋 航空、阿提哈德航空的线上受理。2023年，通过与阿联酋主流金融机构RAK银行合作，阿联酋成为中 东首个全部商户POS终端支持银联闪付的国家。从迪拜棕榈岛华尔道夫酒店、朱美拉豪华酒店集团旗下 所有酒店、迪拜购物中心、迪拜水族馆和水下动物园等高端酒店、商场和旅游景点，到香格里拉香宫餐 厅、老木头素食餐厅等热门餐饮与迪拜城市观光大巴在内的交通工具，银联受理场景已实现从日常消费 到高端服务、从旅游购物到航空出行的全场景渗透，初步构建起成熟完善的本地支付生态。 与此同时，土耳其作为银联在中东布局的另一关键市场也取得显著进展。数据显示，土耳其全境已有数 百万商户支持银联支付，其中非接终端数量突破百万台。银联受理网络全面覆盖包括伊斯坦布尔、安塔 利亚、布尔萨、安卡拉、科尼亚等在内的大型旅游城市及地区，并基本覆盖游客常到的免税店、商场、 酒店、租车和珠宝店等核心消费场景。 在"一带一路"倡议深入推进以及全球数字经济加速演进的背景下，中东地区 ...

在"一带一路"倡议深入推进以及全球数字经济加速演进的背景下，中东地区正经历新一轮金融基础 设施升级，对安全、普惠、兼容的支付能力需求日益增长。观察人士指出，作为中国重要的金融基 础设施和全球布局的国际卡组织，银联坚持"互联互通"理念，依托在国际网络、支付科技与本地化 运营方面的积累，正在中东地区产生积极影响。近年来，通过持续完善清算网络、受理生态与移动 支付基础设施建设，其举措有效助推了区域支付体系的数字化升级，为日益紧密的中东与中国经贸 合作提供了重要的金融支撑。 长期深耕，中东受理网络日趋完善 从 市 场 发 展 轨 迹 来 看 ， 中 东 地 区 的 银 联 受 理 网 络 正 日 趋 完 善 。 近 年 来 ， 随 着 能 源 结 构 转 型、人口年轻化和跨境贸易扩容，中东地区各国金融体系对于数字化支付工具的需求不断 提升。根据公开资料显示，为顺应这一趋势，银联稳步推进该区域受理网络、发卡生态与 数 字 支 付 能 力 建 设 。 目 前 ， 银 联 卡 业 务 已 覆 盖 中 东 1 5 个 国 家 ， 在 阿 联 酋 、 卡 塔 尔 、 土 耳 其、巴基斯坦基本实现受理全覆盖，区域内开通数百万台非 ...

中信银行党委委员、副行长谢志斌在致辞中表示："金融的本质在于链接价值。此次携手，我们以场景金融为核心导向，将双方优势深度绑定，把普惠金融 的温度注入每一个消费场景，让'不出国门 海购全球'的美好体验触手可及、落地生根。" "旅游零售行业的未来，在于创新，在于对用户价值的不懈追求。中免集团与中信银行的全面合作，是双方核心资源的深度整合、创新模式的大胆探索，以 联名信用卡为起点，必将开启一段共赢发展的崭新旅程。"中免集团党委委员、副总经理周领军在致辞中表示。 "立足海南自贸港封关运营的战略机遇，中国银联将持续深化三方创新合作，以更优质的支付产品、更完善的服务网络、更丰富的权益生态，共同助力全国 消费升级，赋能海南自贸港高质量发展的崭新篇章。"中国银联党委委员、执行副总裁胡浩中在致辞中表示。 （2025年11月19日，三亚）今日，"信意无界 臻享中免"——中信银行携手中免集团、中国银联启航暨联名信用卡发布仪式在三亚正式举行。该联名卡不仅 实现了金融与旅游零售深度融合的模式创新，为消费者打造品质生活新体验，更是响应国家扩大内需战略、推动免税消费提质扩容的重要实践。 中信银行党委委员、副行长谢志斌，中免集团党委委员、副 ...

借力数智化，银联正通过新"四方模式"来实现其作为中国银行卡品牌应有的市场地位、竞争力和话语权，进而为国际支付提供中国方案 文｜《财经》记者 张威 唐郡 编辑｜袁满 2025年9月，印尼巴厘岛的工艺品店内，中国游客无需下载当地支付应用，手机扫描商户二维码，便瞬间跳转至熟悉的支付界面。 这一幕"无感支付"场景的落地，背后是中国与印尼跨境二维码互联互通双向试运行的正式启动。 在上述合作中，中国银联（下称"银联"）承担跨境转接清算，蚂蚁国际提供技术支持，中银香港则为人民币结算行。 三方协同发力书写了中国支付出海全新篇章，背后亦有国家政策助推。 2025年7月底，在中国人民银行（下称"央行"）指导下，由支付清算协会与银联联合建设的跨境二维码统一网关（下称"统一网关"）正式上线，支付开放 再度升级。 微信支付、支付宝等多家支付机构纷纷宣布，已接入统一网关，将进一步支持更多的境外钱包在华使用，这标志着中国自主可控的人民币跨境支付体系建 设进入生态协同发力的最新阶段。 显然，跨境支付被给予更高的期待。《中共中央关于制定国民经济和社会发展第十五个五年规划的建议》（下称《建议》）提出，扩大高水平对外开放， 开创合作共赢新局面。并 ...

Core Insights - China UnionPay has reserved the iTAP (Intelligent Touchless Proximity) protocol in its next-generation smart terminal development roadmap, indicating a strategic focus on enhancing payment technology [1] - The company plans to integrate the iTAP protocol into all new terminals and will also upgrade existing terminals to support this technology [1] - UnionPay has expanded its services to 183 countries, issuing nearly 9.1 billion UnionPay cards, showcasing its global reach and influence in the payment industry [1] Group 1 - China UnionPay is leading the development of smart terminal technology with a focus on the iTAP protocol [1] - The company aims to combine global payment applications with the iTAP protocol in international markets [1] - The integration of iTAP will enhance the functionality of both new and existing payment terminals [1] Group 2 - UnionPay has successfully promoted its card issuance and payment acceptance in 183 countries [1] - The issuance of approximately 9.1 billion UnionPay cards highlights the company's significant market presence [1] - The strategic initiatives reflect UnionPay's commitment to advancing payment technology and expanding its global footprint [1]

Regulatory Dynamics - The China Payment and Clearing Association has issued an initiative to strengthen the security management of "no-password payment" services, advocating for the prohibition of default activation and the provision of limit management features [2] - Following the implementation of the "Assisted Loan New Regulations," licensed consumer finance institutions are required to reduce the average comprehensive financing cost of newly issued loans to 20% or below starting from Q1 next year, which may pressure the consumer finance and assisted loan sectors [2] Industry Dynamics - The commercial auto insurance for new energy vehicles in China has surpassed 100 billion yuan for the first time, reaching 108.79 billion yuan, with a year-on-year growth of 36.6% [4] - The penetration rate of new energy vehicles reached 58% in September, with the commercial insurance coverage rate at 91% for the first nine months of the year, indicating a strong growth trajectory in this sector [4] Corporate Developments - Industrial Bank has established a financial asset investment company with a registered capital of 10 billion yuan, focusing on non-bank financial services [5] - Changshu Bank has appointed a new executive team, including a notably young president born in 1986, setting a record for the youngest president of a listed bank [5] - Ma Shang Consumer Finance plans to transfer over 1.8 billion yuan in personal non-performing loans, with an average overdue period exceeding 1800 days [6] - Xinyu Consumer Finance has released six batches of non-performing loan transfers totaling over 2.6 billion yuan, indicating a significant focus on asset disposal [6] - China Bank Consumer Finance has announced changes in its senior management, with new vice presidents expected to enhance business expansion and risk management [6] - Tencent's Q3 report shows a 10% year-on-year increase in revenue from its financial technology and enterprise services segment, driven by strong growth in commercial payment activities and consumer loan services [7][8]

Core Viewpoint - The China Payment and Clearing Association has initiated a call to enhance the security management of "no-password payment" services to protect user rights and promote healthy industry development [1][2]. Group 1: Security Management Recommendations - Payment service providers should strengthen security management for "no-password payment" by ensuring user consent through strict identity verification and clear agreement processes [2]. - Merchant risk management should be reinforced by setting reasonable limits on "no-password payment" services based on merchant characteristics and risk information [2]. - Transaction monitoring should be enhanced to prevent financial loss risks, utilizing risk models and big data analysis to identify and address anomalies in user transaction patterns [2]. Group 2: User Rights Protection - Efficient complaint handling processes should be established to safeguard user rights, including easy cancellation options for users who no longer wish to use "no-password payment" [2]. - Regular updates and information regarding "no-password payment" transactions should be provided to users, especially targeting the elderly demographic [2]. Group 3: User Awareness and Safety - Users are encouraged to enhance their device and account security through measures such as enabling two-factor authentication and regularly changing passwords [3]. - Users should improve their risk recognition capabilities to avoid marketing traps and refrain from saving payment information on public devices [3]. - Regular checks on "no-password payment" agreements and prompt actions on abnormal transactions are advised to ensure account security [3].

（上接1版） 记者自业内多方了解到，长期以来，跨境支付面临"成本高、效率低、透明度低、接入范围有限"等问 题，这背后的核心原因是跨境支付链条长、合规成本高和主体间信任不足，各国监管部门和商业银行都 需要投入大量资源去应对。此外，当下持续演绎的地缘政治博弈，也进一步增加了跨境支付的不确定 性。 "自主可控"成为破题之钥。中国人民银行郑州培训学院教授、人民币国际化与可兑换研究中心主任王勇 对上证报记者表示，建设"自主可控"的人民币跨境支付体系，对于保障金融安全、支撑人民币国际化以 及提升国际金融话语权具有重要的战略意义。 在全球支付体系遭受地缘经济风险冲击的背景下，"自主可控"的人民币跨境支付系统将为人民币国际化 注入新的活力。王勇表示，它为人民币在全球范围内行使计价、结算和储备货币职能提供高效、可靠的 清算"高速公路"，是决定着人民币能否成为真正意义上"世界货币"的关键基础设施。 建设自主可控的人民币跨境支付体系，事关人民币国际化推进全局，具体应如何着力？ 在王勇看来，下一步建设的重点突破口和优先事项应主要围绕扩大网络覆盖、优化制度规则、探索技术 前沿以及强化场景应用这几个核心层面展开。其中，扩大网络覆盖与参与 ...

Core Viewpoint - The rapid development and widespread application of mobile payment technology have led to the rise of "no-password payment" services, which simplify payment processes and enhance user experience. However, there are concerns regarding security management and user awareness in this area [1][2]. Group 1: Recommendations for Payment Service Providers - Payment service providers should strengthen the security management of "no-password payment" services by ensuring proper authorization management and confirming user intent during the activation process [1]. - It is essential to conduct thorough identity verification and avoid default activation of "no-password payment" services, ensuring users' rights to choose and be informed [1]. - Providers should assess the risk preferences and capabilities of elderly users and clearly present core terms of the service [1]. Group 2: Merchant and Transaction Management - Payment service providers must enhance merchant risk management by setting appropriate limits on "no-password payment" transactions based on merchant characteristics and risk information [2]. - Monitoring transaction activities is crucial to prevent financial losses, utilizing risk models and big data analysis to identify and address unusual transaction patterns [2]. Group 3: User Rights and Awareness - Payment service providers should implement efficient complaint handling processes to protect user rights and offer easy cancellation options for users who no longer wish to use "no-password payment" [2]. - Users are encouraged to enhance their security awareness by employing measures such as two-factor authentication and regularly changing passwords [4]. - Users should regularly check their "no-password payment" agreements and remain vigilant for any unusual transactions, taking immediate action if necessary [4].