【大河财立方消息】10月14日消息，陕西省商务厅、陕西省发展和改革委员会近日发布通知，印发《落 实扎实推进高水平对外开放更大力度吸引和利用外资行动方案的若干措施（修订稿）》，巩固外资在陕 发展信心，提升投资合作的质量和水平，防止招商引资"内卷"式恶性竞争。 其中提到，落实准入政策，提高外商投资自由化水平。支持符合条件的外资机构新设或拓展业务，依法 开展银行卡清算业务。 支持外商投资商业养老保险、健康保险等行业，设立符合条件的外资再保险法人机构、外商独资保险公 司等保险机构。 进一步便利外资金融机构参与债券市场。推动符合条件的外资银行参与国债期货交易试点。 积极争取外资在陕设立私募基金并依法开展各类投资活动。 加大政策支持，提升外商投资吸引力。鼓励外资加大对制造业和高新技术、生产性服务业的投资，按照 以制造业为重点扩大利用外资有关文件给予相应奖励。 外资企业和中国境内再投资企业所投资的项目，符合鼓励外商投资产业目录等条件，在投资总额内进口 自用设备，除属于特定条例所列商品外，可按规定免征关税。 支持符合条件的外资企业在境内发行人民币债券融资并用于境内投资项目。 积极承接产业转移。产业转移合作应当遵循市场规律和投 ...

嗨，大家好，欢迎关注天阅财经观察。2020年6月13日，中国人民银行官宣，向连通公司核发银行卡清 算业务许可证！6月15日，央行与银保监会通过连通（杭州）技术服务有限公司提交的银行卡清算机构 开业申请，并向其核发银行卡清算业务许可证——并由此可以在我国进行人民币清算业务。据了解，这 是我国外卡组织中首家获得许可证的企业。 回顾这个新闻，我的的脑海中照例浮现出三个问题： 1、连通是何方神圣？ 2、哪里来的神通，能杀入油盐不进的中国金融市场？ 3、外资银行的杀入，会对本土银行业产生怎样的冲击？ 在中国想要查一家公司的信息现在并不难，只要打开天眼查就可以找得到。说起天眼查这也是一个神奇 的软件，他还有一大堆诸如企查查、企信宝、等一大堆同门，通过这类软件你完全可以把一个公司扒个 底掉，不仅工商注册、高管、法人信息可以查的一清二楚，就连这个公司的七大姑八大姨以及七大姑八 大姨的七大姑八大姨也都能给你扒的一清二楚。所以要论深扒公司信息，我只服查查系列。 根据天眼查显示，连通公司在2017年10月成立，注册资本10亿元人民币，其中连连数字科技有限公司持 股50%，运通旗下两家公司同样合计持股50%。依据《关于实施银行卡清算 ...

Core Viewpoint - Recent changes in credit card foreign currency transactions by several banks, including China Merchants Bank and Ping An Bank, have shifted from USD to RMB for cross-border transactions, potentially reducing currency exchange friction costs and enhancing card usage willingness [1][2]. Group 1: Changes in Credit Card Transactions - China Merchants Bank has announced that from October 28, 2025, certain Mastercard credit card products will switch cross-border transaction settlements from USD to RMB [1][2]. - Ping An Bank will allow customers to choose between RMB and USD for foreign currency transactions starting September 25 [2]. - The adjustments are primarily in response to requirements from card organizations like Mastercard, rather than solely driven by market competition [1][3]. Group 2: Impact on the Credit Card Industry - The credit card industry is under pressure, with a reported decline in the number of credit cards and transaction volumes across multiple banks [7]. - In the first half of the year, major banks reported a year-on-year decrease in credit card transaction amounts, with China Merchants Bank down by 8.54% [7]. - The changes in currency settlement may not significantly impact consumers, as the adjustments primarily reflect cost fluctuations rather than substantial benefits [8][9]. Group 3: Competitive Landscape Among Card Organizations - Mastercard and American Express have localized their operations in China, obtaining necessary licenses, while UnionPay remains a dominant domestic player [3][4]. - The transition from USD to RMB for transactions may help Mastercard expand its market share in China, benefiting both the card organization and partner banks [4][5]. - UnionPay does not face the same currency exchange issues, as it directly converts local currencies to RMB, providing a competitive advantage in terms of exchange rates [5]. Group 4: Future Developments - Mastercard is also expanding its debit card offerings, with several banks launching or upgrading their Mastercard debit cards [6]. - The long-term effects of these currency adjustments on market share and consumer behavior remain uncertain, as banks may adopt changes at different paces [9].

Group 1 - The core issue revolves around unauthorized transactions on credit and debit cards issued by banks, particularly focusing on the incidents involving Shanghai Pudong Development Bank (SPDB) and Mastercard [1][4][6] - The unauthorized transactions primarily affected SPDB's Mastercard "Red Sand Announcement" credit card and also involved Citic Bank's "Dark Destruction" Mastercard debit card, indicating a broader issue with Mastercard's payment processing system [1][2][3] - Consumers reported receiving notifications of transactions they did not authorize, with some transactions occurring in foreign countries, raising concerns about the security of cross-border payments [1][2][3] Group 2 - SPDB and Mastercard initiated an emergency response upon detecting unauthorized transactions, assuring customers that they would not bear the financial losses [4][6] - The incidents highlight a failure in the risk control systems of both the issuing banks and Mastercard, with multiple layers of the payment process lacking adequate security measures [6][8][10] - The complexity of cross-border payments adds to the difficulty in tracing and addressing fraud, as the responsibility for unauthorized transactions is often unclear [9][10][11] Group 3 - The establishment of Mastercard's joint venture, Wan Shi Wang Lian, aims to enhance the security and efficiency of card payment processing in China, but challenges remain in ensuring consistent security standards across different regions [7][10] - Industry experts suggest that improving real-time data sharing between banks and card organizations, along with upgrading technology and clarifying responsibilities, is essential to mitigate fraud risks [11][12] - The need for a comprehensive framework for cross-border payment security is emphasized, focusing on technology enhancement, clear responsibility delineation, and regulatory collaboration [11][12]

Core Viewpoint - The recent credit card fraud incidents involving SPDB and Mastercard have raised significant concerns about the security of cross-border payment systems, highlighting vulnerabilities in the risk management frameworks of banks and card organizations [1][9][10]. Group 1: Incident Overview - The fraud incidents primarily affected SPDB's Mastercard "Red Sand宣" credit card and CITIC Bank's "Dark Destruction" debit card, with unauthorized transactions reported by multiple consumers [1][3][8]. - SPDB and Mastercard initiated an emergency investigation upon detecting unauthorized transactions, assuring that cardholders would not bear the financial losses [9][11]. - The fraud cases involved various issues, including unblocked abnormal transactions, exceeding card limits, and unauthorized charges on canceled or reported lost cards, all occurring overseas [8][12]. Group 2: Consumer Experiences - Consumers reported receiving notifications of unauthorized transactions, with one case involving a transaction in Indonesia that was processed without prior notification to the cardholder [6][10]. - Some users experienced multiple failed attempts of unauthorized transactions that were intercepted by the bank's security systems, preventing actual losses [6][10]. - The lack of timely alerts and information about pre-authorizations raised questions about the effectiveness of banks' communication and security measures [6][12]. Group 3: Responsibility and Risk Management - The incidents have sparked discussions about the responsibilities of card organizations like Mastercard and issuing banks in managing fraud risks, particularly in cross-border transactions [10][11]. - The complexity of cross-border payments, including the roles of card organizations, issuing banks, and acquiring institutions, complicates the accountability for fraud incidents [11][12]. - Experts suggest that the lack of coordination and real-time data sharing between banks and card organizations contributes to the vulnerabilities in the payment system [15][16]. Group 4: Recommendations for Improvement - Industry analysts recommend establishing real-time data sharing mechanisms between issuing banks and card organizations to enhance fraud detection and prevention [15][16]. - There is a call for technological upgrades, including the adoption of dynamic encryption and AI-driven risk management systems, to strengthen security measures against fraud [15][16]. - A collaborative approach involving regulatory bodies, banks, and card organizations is essential to create a comprehensive framework for cross-border payment security [14][15].

Core Viewpoint - The People's Bank of China and the Financial Regulatory Administration have jointly issued the "Management Measures for Bank Card Clearing Institutions," which will take effect on November 1, 2025, to enhance the regulatory framework for bank card clearing institutions and promote a healthy development of the bank card clearing market [1] Group 1: Market Development - The bank card clearing market in China has been gradually opening up since the State Council issued the "Decision on Implementing Access Management for Bank Card Clearing Institutions" in 2015, leading to the establishment of specific conditions and procedures for market access [2][3] - Currently, three institutions hold bank card clearing business licenses: China UnionPay, LianTong (Hangzhou) Technology Service Co., Ltd., and Mastercard Network Technology (Beijing) Co., Ltd., with the latter two being joint ventures [3] Group 2: Regulatory Enhancements - The new measures maintain the basic principles of the existing regulatory framework while refining the regulatory system to promote the healthy development of bank card clearing institutions and ensure orderly market operations [4] - The updated measures simplify the application materials for administrative licensing, enhancing efficiency and providing more convenience for clearing institutions [4] Group 3: Operational and Supervisory Management - The new measures introduce chapters on "Operational Management" and "Supervisory Management," establishing basic requirements for governance structure, business rules, and risk management systems for bank card clearing institutions [5][6] - The operational management chapter emphasizes independent operation and the establishment of internal control and accountability mechanisms, which are crucial for the development of the bank card market [6]

Core Viewpoint - The newly released "Regulations on the Management of Bank Card Clearing Institutions" by the People's Bank of China and the National Financial Supervision Administration introduces two new chapters on operational management and supervisory management, effective from November 1, 2025, marking a significant update from the 2016 version [1][4][6]. Summary by Sections Regulatory Framework - The updated regulations refine the existing regulatory framework for bank card clearing institutions without major changes to the entry conditions and procedures, maintaining the basic principles established in the 2016 version [1][5][6]. New Chapters - The addition of the operational management and supervisory management chapters addresses potential issues faced by bank card clearing institutions in their daily operations [4][5]. - The operational management chapter specifies requirements for clearing business rules, member institution constraints, risk management frameworks, and outsourcing management [5][6]. - The supervisory management chapter clarifies the responsibilities of the People's Bank of China and its branches in overseeing bank card clearing institutions, including requirements for reporting significant matters and business activities [5][6]. Improvements and Transparency - The regulations enhance the clarity of administrative licensing requirements for the establishment, operation, and changes of bank card clearing institutions, aiming to promote transparency and efficiency in the licensing process [5][6]. - The regulations align with foreign investment regulations to ensure equal standards for similar institutions, reinforcing the institutional framework for the opening of the bank card clearing market [5][6]. Future Directions - The People's Bank of China and the National Financial Supervision Administration plan to implement the regulations effectively, focusing on compliance, risk management, and improving service levels in the bank card clearing sector [6][7].