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6月1日银行卡清算市场放开

来源: 南方日报网络版     时间: 2019年05月22日 09:26:09
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腾讯10分彩app_注册登录平台直属招商客服【微信QQ同步】7915171诚招代理龙虎和龙虎1赔2.211合1赔9.95,定位胆1赔9.95腾讯5,10分欢乐生肖,最高返水100反9快,最高赔率,正规信誉大平台平台24h提供注册及登录。6月1日银行卡清算市场放开

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(  厉)(兵)(秣)(马)(30载)(,VISA、MASTERCARD等)(国)(际)(卡)(组)(织)(巨)(头)(迎)(来)(了)(中)(国)(清)(算)(市)(场)(的)(开)(放)(。
  4月)(22日)(,中)(国)(政)(府)(网)(发)(布)(《国)(务)(院)(关)(于)(实)(施)(银)(行)(卡)(清)(算)(机)(构)(准)(入)(管)(理)(的)(决)(定)(》,从)(2015年)(6月)(1日)(,符)(合)(要)(求)(的)(机)(构)(可)(申)(请)(“银)(行)(卡)(清)(算)(业)(务)(许)(可)(证)(”,在)(中)(国)(境)(内)(从)(事)(银)(行)(卡)(清)(算)(。这)(意)(味)(着)(在)(中)(国)(清)(算)(市)(场)(一)(家)(独)(大)(12年)(的)(局)(面)(被)(打)(破)(,中)(国)(银)(联)(将)(告)(别)(垄)(断)(时)(代)(。
  “5年)(经)(验)(”卡)(住)(一)(大)(批)(机)(构)(
  根)(据)(规)(定)(,申)(请)(成)(为)(银)(行)(卡)(清)(算)(机)(构)(需)(要)(注)(册)(资)(本)(不)(低)(于)(10亿)(元)(人)(民)(币)(;至)(少)(具)(有)(符)(合)(规)(定)(条)(件)(的)(持)(股)(20%以)(上)(的)(单)(一)(主)(要)(出)(资)(人)(,或)(者)(符)(合)(规)(定)(条)(件)(的)(合)(计)(持)(股)(25%以)(上)(的)(多)(个)(主)(要)(出)(资)(人)(;且)(提)(出)(申)(请)(前)(应)(当)(连)(续)(从)(事)(银)(行)(、支)(付)(或)(者)(清)(算)(等)(业)(务)(5年)(以)(上)(。
  央)(行)(表)(示)(,银)(行)(卡)(清)(算)(业)(务)(包)(含)(持)(卡)(人)(、商)(户)(、收)(单)(机)(构)(和)(发)(卡)(机)(构)(的)(大)(量)(金)(融)(信)(息)(,涉)(及)(重)(大)(公)(共)(利)(益)(,关)(系)(到)(银)(行)(间)(清)(算)(秩)(序)(,因)(此)(,对)(银)(行)(卡)(清)(算)(机)(构)(实)(施)(准)(入)(管)(理)(。
  “门)(槛)(还)(是)(比)(较)(高)(的)(,5年)(业)(务)(经)(验)(,就)(是)(说)(2010年)(5月)(以)(后)(从)(事)(支)(付)(业)(务)(的)(都)(没)(有)(资)(格)(,这)(就)(刷)(走)(了)(一)(大)(批)(。还)(有)(连)(续)(3年)(盈)(利)(的)(要)(求)(,目)(前)(看)(银)(行)(、以)(及)(支)(付)(宝)(、腾)(讯)(这)(些)(第)(一)(批)(大)(型)(第)(三)(方)(支)(付)(机)(构)(应)(该)(问)(题)(不)(大)(。”一)(支)(付)(机)(构)(人)(士)(对)(记)(者)(表)(示)(。
  但)(国)(际)(卡)(组)(织)(要)(做)(的)(准)(备)(更)(多)(。央)(行)(要)(求)(在)(中)(国)(境)(内)(要)(有)(能)(够)(独)(立)(完)(成)(银)(行)(卡)(清)(算)(业)(务)(的)(基)(础)(设)(施)(和)(异)(地)(灾)(备)(系)(统)(,这)(对)(于)(国)(内)(的)(第)(三)(方)(支)(付)(企)(业)(并)(不)(是)(问)(题)(,但)(对)(于)(国)(际)(卡)(组)(织)(确)(是)(个)(难)(题)(。“在)(其)(他)(国)(家)(地)(区)(还)(没)(有)(这)(个)(先)(例)(,如)(果)(要)(真)(正)(建)(立)(这)(样)(一)(个)(基)(础)(设)(施)(和)(系)(统)(估)(计)(至)(少)(也)(得)(一)(年)(半)(载)(。”一)(熟)(知)(国)(际)(卡)(组)(织)(人)(士)(表)(示)(。
  对)(于)(境)(外)(机)(构)(而)(言)(,中)(国)(清)(算)(市)(场)(开)(放)(这)(一)(消)(息)(等)(了)(近)(30年)(。
  上)(个)(世)(纪)(90年)(代)(,国)(际)(卡)(组)(织)(进)(入)(中)(国)(市)(场)(。1988年)(,万)(事)(达)(成)(立)(北)(京)(代)(表)(处)(,5年)(后)(VISA也)(来)(到)(中)(国)(设)(立)(代)(表)(处)(,多)(年)(来)(,中)(国)(的)(银)(行)(卡)(清)(算)(市)(场)(始)(终)(未)(能)(开)(放)(,国)(际)(卡)(组)(织)(只)(能)(分)(享)(中)(国)(人)(境)(外)(消)(费)(的)(部)(分)(市)(场)(。
  2010年)(6月)(,VISA与)(银)(联)(“反)(目)(”,VISA封)(堵)(中)(国)(银)(联)(部)(分)(境)(外)(通)(道)(,最)(终)(WTO定)(案)(:银)(联)(在)(中)(国)(市)(场)(并)(没)(有)(垄)(断)(行)(为)(,但)(需)(要)(尽)(快)(开)(放)(境)(内)(支)(付)(清)(算)(市)(场)(。中)(国)(支)(付)(清)(算)(市)(场)(开)(放)(提)(速)(。去)(年)(10月)(底)(,国)(务)(院)(常)(务)(会)(议)(决)(定)(进)(一)(步)(放)(开)(银)(行)(卡)(清)(算)(市)(场)(,符)(合)(条)(件)(的)(内)(外)(资)(企)(业)(,均)(可)(申)(请)(在)(我)(国)(境)(内)(设)(立)(银)(行)(卡)(清)(算)(机)(构)(。
  据)(了)(解)(,央)(行)(将)(在)(近)(期)(发)(布)(细)(则)(,将)(明)(确)(线)(上)(和)(线)(下)(跨)(行)(交)(易)(清)(算)(规)(则)(、发)(卡)(标)(准)(、账)(户)(管)(理)(标)(准)(等)(,以)(及)(申)(请)(成)(立)(卡)(组)(织)(的)(准)(入)(门)(槛)(等)(。
  银)(联)(垄)(断)(清)(算)(市)(场)(12年)(
  成)(立)(于)(2002年)(的)(银)(联)(,是)(目)(前)(我)(国)(境)(内)(唯)(一)(的)(支)(付)(清)(算)(组)(织)(,在)(国)(内)(从)(事)(支)(付)(业)(务)(必)(须)(通)(过)(银)(联)(渠)(道)(。
  按)(照)(相)(关)(规)(定)(,国)(内)(每)(刷)(一)(次)(卡)(,提)(供)(刷)(卡)(机)(的)(商)(户)(都)(需)(要)(支)(付)(一)(笔)(手)(续)(费)(,发)(卡)(银)(行)(拿)(走)(70%,提)(供)(POS机)(的)(银)(行)(或)(银)(联)(的)(子)(公)(司)(“银)(联)(商)(务)(”拿)(走)(20%,银)(联)(拿)(走)(10%。坐)(收)(政)(策)(之)(利)(,银)(联)(一)(直)(备)(受)(垄)(断)(指)(责)(。
  清)(算)(市)(场)(开)(放)(后)(,冲)(击)(最)(大)(的)(就)(是)(银)(联)(。银)(联)(总)(裁)(时)(文)(朝)(曾)(表)(示)(:“银)(联)(就)(此)(将)(要)(裸)(泳)(了)(。”面)(对)(已)(经)(摆)(在)(眼)(前)(的)(竞)(争)(,中)(国)(银)(联)(昨)(天)(表)(示)(,将)(与)(其)(他)(银)(行)(卡)(清)(算)(机)(构)(在)(同)(样)(的)(监)(管)(条)(件)(下)(,依)(法)(合)(规)(开)(展)(平)(等)(的)(市)(场)(竞)(争)(。
  事)(实)(上)(,银)(联)(对)(此)(次)(市)(场)(开)(放)(早)(有)(准)(备)(,去)(年)(底)(就)(提)(出)(“二)(次)(创)(业)(”的)(概)(念)(,目)(前)(正)(逐)(渐)(退)(居)(机)(构)(客)(户)(身)(后)(,扮)(演)(起)(平)(台)(服)(务)(角)(色)(。
  一)(位)(第)(三)(方)(支)(付)(人)(士)(表)(示)(,这)(两)(年)(来)(银)(联)(市)(场)(化)(程)(度)(明)(显)(提)(高)(,也)(不)(那)(么)(“官)(僚)(”了)(,一)(直)(在)(寻)(求)(创)(新)(发)(展)(,但)(由)(于)(原)(来)(的)(国)(企)(体)(制)(机)(制)(原)(因)(,有)(些)(想)(法)(执)(行)(不)(到)(位)(,转)(型)(并)(不)(那)(么)(容)(易)(。
  新)(京)(报)(记)(者)(苏)(曼)(丽)(
  对)(话)(专)(家)(
  社)(科)(院)(金)(融)(研)(究)(所)(所)(长)(助)(理)(、支)(付)(清)(算)(研)(究)(中)(心)(主)(任)(杨)(涛)(:
  清)(算)(放)(开)(为)(第)(三)(方)(支)(付)(开)(正)(门)(
  针)(对)(银)(行)(卡)(清)(算)(市)(场)(开)(放)(,4月)(22日)(,社)(科)(院)(金)(融)(研)(究)(所)(所)(长)(助)(理)(、支)(付)(清)(算)(研)(究)(中)(心)(主)(任)(杨)(涛)(在)(接)(受)(新)(京)(报)(记)(者)(专)(访)(时)(表)(示)(,作)(为)(第)(三)(方)(支)(付)(企)(业)(,想)(加)(入)(清)(算)(组)(织)(,有)(了)(开)(正)(门)(的)(途)(径)(。
  注)(册)(资)(本)(10亿)(门)(槛)(是)(必)(要)(的)(
  新)(京)(报)(:银)(行)(卡)(清)(算)(机)(构)(不)(低)(于)(10亿)(元)(人)(民)(币)(的)(注)(册)(资)(本)(,门)(槛)(是)(否)(高)(?
  杨)(涛)(:不)(低)(于)(10亿)(元)(人)(民)(币)(门)(槛)(是)(可)(以)(的)(,在)(我)(国)(门)(槛)(的)(设)(置)(是)(有)(必)(要)(的)(。
  银)(行)(卡)(的)(清)(算)(组)(织)(从)(全)(球)(来)(说)(都)(是)(金)(融)(机)(构)(的)(重)(要)(组)(成)(部)(分)(,金)(融)(基)(础)(设)(施)(需)(要)(有)(一)(定)(的)(综)(合)(实)(力)(才)(能)(适)(度)(的)(控)(制)(风)(险)(,才)(能)(满)(足)(在)(清)(算)(过)(程)(中)(清)(算)(的)(需)(要)(。所)(以)(,有)(一)(定)(层)(次)(的)(准)(入)(和)(门)(槛)(是)(为)(了)(实)(现)(市)(场)(开)(放)(竞)(争)(效)(率)(及)(金)(融)(风)(险)(可)(控)(之)(间)(的)(平)(衡)(。
  新)(京)(报)(:银)(联)(的)(垄)(断)(地)(位)(是)(否)(会)(得)(到)(威)(胁)(?
  杨)(涛)(:从)(市)(场)(份)(额)(来)(说)(,短)(期)(内)(肯)(定)(是)(有)(一)(定)(影)(响)(的)(,但)(是)(银)(联)(从)(2014年)(以)(来)(开)(始)(着)(手)(二)(次)(创)(业)(和)(转)(型)(,从)(整)(个)(国)(内)(零)(售)(支)(付)(、清)(算)(市)(场)(及)(银)(行)(卡)(产)(业)(来)(说)(,份)(额)(是)(越)(来)(越)(大)(的)(。在)(整)(体)(蛋)(糕)(越)(做)(越)(大)(的)(情)(况)(下)(,适)(度)(竞)(争)(不)(是)(一)(件)(坏)(事)(,对)(于)(银)(联)(转)(型)(也)(是)(一)(件)(好)(事)(。
  重)(新)(做)(一)(个)(品)(牌)(难)(度)(很)(大)(
  新)(京)(报)(:新)(组)(织)(可)(能)(从)(哪)(些)(方)(面)(突)(破)(?
  杨)(涛)(:细)(则)(没)(有)(出)(来)(之)(前)(很)(具)(体)(的)(条)(例)(不)(太)(好)(说)(,但)(是)(不)(管)(怎)(样)(未)(来)(的)(发)(展)(过)(程)(中)(,卡)(的)(品)(牌)(上)(银)(联)(的)(标)(识)(具)(有)(突)(出)(优)(势)(,其)(他)(机)(构)(重)(新)(做)(一)(个)(品)(牌)(来)(竞)(争)(,难)(度)(和)(压)(力)(很)(大)(。
  新)(的)(清)(算)(组)(织)(要)(想)(突)(破)(,一)(是)(在)(互)(联)(网)(大)(背)(景)(下)(从)(新)(的)(支)(付)(清)(算)(方)(式)(上)(突)(破)(;二)(是)(在)(提)(供)(更)(有)(效)(的)(新)(服)(务)(上)(拓)(展)(文)(章)(。
  新)(京)(报)(:外)(资)(及)(国)(内)(第)(三)(方)(支)(付)(各)(自)(有)(何)(优)(势)(?
  杨)(涛)(:对)(于)(外)(资)(机)(构)(来)(说)(在)(国)(际)(市)(场)(上)(有)(很)(多)(年)(的)(竞)(争)(经)(验)(,和)(境)(内)(的)(清)(算)(组)(织)(形)(成)(互)(补)(。
  而)(作)(为)(第)(三)(方)(支)(付)(企)(业)(,想)(要)(加)(入)(新)(的)(清)(算)(组)(织)(,尤)(其)(是)(以)(前)(已)(经)(从)(事)(跨)(行)(清)(算)(功)(能)(的)(,有)(了)(开)(正)(门)(的)(途)(径)(。原)(来)(无)(有)(效)(规)(范)(下)(做)(的)(一)(些)(事)(情)(,现)(在)(走)(到)(阳)(光)(下)(。
  新)(京)(报)(记)(者)(郭)(永)(芳)(
  热)(点)(问)(题)(
  谁)(会)(是)(第)(二)(个)(银)(联)(?
  清)(算)(市)(场)(开)(放)(后)(谁)(会)(是)(第)(二)(个)(银)(联)(?
  老)(牌)(国)(际)(卡)(组)(织)(苦)(心)(经)(营)(30年)(后)(志)(在)(必)(得)(。“VISA将)(对)(新)(颁)(布)(的)(决)(定)(予)(以)(研)(究)(,并)(且)(期)(待)(相)(关)(监)(管)(机)(构)(能)(够)(颁)(布)(进)(一)(步)(的)(实)(施)(细)(则)(。”VISA中)(国)(昨)(天)(表)(示)(。
  虽)(然)(在)(中)(国)(蛰)(伏)(30年)(,但)(外)(资)(卡)(组)(织)(一)(直)(只)(能)(做)(中)(国)(持)(卡)(人)(的)(境)(外)(业)(务)(,他)(们)(最)(期)(待)(的)(是)(通)(过)(在)(境)(内)(发)(行)(人)(民)(币)(信)(用)(卡)(占)(领)(市)(场)(,从)(而)(带)(动)(这)(些)(持)(卡)(人)(在)(境)(外)(的)(刷)(卡)(消)(费)(。但)(是)(外)(资)(机)(构)(之)(前)(一)(直)(做)(双)(币)(卡)(,重)(新)(开)(始)(做)(人)(民)(币)(卡)(,短)(期)(内)(不)(太)(可)(能)(威)(胁)(到)(银)(联)(。
  在)(国)(内)(支)(付)(机)(构)(中)(,目)(前)(主)(攻)(线)(上)(的)(支)(付)(宝)(与)(拥)(有)(最)(大)(线)(下)(收)(单)(的)(工)(商)(银)(行)(参)(与)(清)(算)(市)(场)(呼)(声)(最)(高)(。就)(在)(昨)(天)(,记)(者)(从)(蚂)(蚁)(金)(服)(证)(实)(,支)(付)(宝)(的)(注)(册)(地)(址)(已)(变)(更)(为)(浦)(东)(新)(区)(陆)(家)(嘴)(软)(件)(园)(,注)(册)(资)(金)(恰)(为)(10亿)(元)(。“注)(册)(地)(变)(更)(为)(上)(海)(是)(为)(了)(国)(际)(化)(发)(展)(。”蚂)(蚁)(金)(服)(公)(关)(部)(人)(士)(称)(。而)(在)(此)(之)(前)(,支)(付)(宝)(会)(做)(“线)(上)(银)(联)(”的)(声)(音)(最)(多)(。
  但)(也)(有)(对)(这)(个)(市)(场)(不)(是)(特)(别)(感)(冒)(的)(“大)(腕)(”。拉)(卡)(拉)(总)(裁)(孙)(陶)(然)(对)(记)(者)(表)(示)(,不)(会)(申)(请)(支)(付)(清)(算)(牌)(照)(,他)(认)(为)(“中)(国)(银)(联)(已)(经)(把)(跨)(行)(转)(接)(的)(体)(系)(建)(起)(来)(了)(,在)(这)(个)(基)(础)(上)(做)(渠)(道)(和)(用)(户)(就)(可)(以)(了)(。”
  对)(消)(费)(者)(有)(何)(影)(响)(?
  银)(行)(卡)(清)(算)(市)(场)(向)(外)(资)(开)(放)(以)(后)(,单)(一)(带)(有)(VISA、万)(事)(达)(等)(卡)(组)(织)(标)(识)(的)(银)(行)(卡)(在)(境)(内)(POS机)(上)(无)(法)(受)(理)(的)(局)(面)(将)(成)(为)(历)(史)(。
  未)(来)(,VISA、万)(事)(达)(、美)(国)(运)(通)(、JCB等)(,都)(可)(能)(通)(过)(其)(会)(员)(银)(行)(在)(中)(国)(境)(内)(发)(行)(人)(民)(币)(信)(用)(卡)(。也)(就)(是)(说)(,除)(了)(消)(费)(者)(已)(经)(使)(用)(多)(年)(的)(银)(联)(卡)(,以)(后)(将)(有)(更)(多)(品)(牌)(的)(银)(行)(卡)(可)(供)(选)(择)(。
  市)(场)(中)(有)(了)(更)(多)(竞)(争)(者)(,商)(户)(得)(到)(的)(收)(单)(服)(务)(也)(将)(更)(加)(完)(善)(。有)(业)(内)(人)(士)(猜)(测)(,目)(前)(收)(单)(市)(场)(中)(发)(卡)(行)(、收)(单)(机)(构)(和)(银)(联)(“7:2:1”的)(分)(成)(比)(例)(可)(能)(会)(有)(调)(整)(,商)(户)(的)(经)(营)(成)(本)(有)(望)(进)(一)(步)(降)(低)(,并)(可)(能)(更)(多)(地)(让)(利)(给)(消)(费)(者)(。
  新)(京)(报)(记)(者)(苏)(曼)(丽)(
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