针对近日境内银联卡无法再用来支付香港人寿险的保费的消息,银联国际发表声明“辟谣”,称并未停止境外保险类商户的银联卡支付服务,但按照监管政策要求,境内发行的银联卡仅可进行个人旅游、消费类支付,不得用于资本和金融项目交易。
请看相关报道:
UnionPay International announced Oct. 29 that all bankcards using its service cannot be used to buy Hong Kong insurance products, whether online or offshore. The embargo targets mainly life insurance, which accounts for the lion’s share of all insurance sales to mainlanders. Exceptions are made for policies closely related to travel, such as accident and injury insurance policies, which UnionPay considers to be current account transactions.
银联国际于10月29日宣布,所有(境内)银联卡均不得用于购买香港保险公司的产品,无论在线还是离岸都不可以。此次禁令主要指向人寿险,该险种在大陆人赴港购买的保险种类中占比例最大。因旅游相关的意外险和伤害险等被列为经常账户交易,所以不在此次禁令之列。
近两年来,内地人赴港购买保险(mainland customers purchasing Hong Kong insurance products)的数量明显增加,分红型重疾险、教育金等理财型保险(wealth management insurance)尤其受青睐,因为内地客户可以通过购买这些保险完成人民币兑换美元保值(convert yuan funds into stronger dollars)。
此次银联国际发布的《境外保险类商户受理境内银联卡合规指引》(The Compliance Guidelines for Overseas Insurance Merchants Accepting UnionPay Cards Issued in Chinese mainland)适用于适用于境外保险类商户在POS终端(POS terminals)、互联网(Internet)、移动支付(mobile channels)等所有渠道受理境内银联卡的情况,主要内容包括三点:境内居民在境外购买与意外、疾病等旅游消费相关的经常项目保险,可以使用银联卡支付;其他保险项目严禁使用银联卡支付(all UnionPay cards issued from Chinese mainland are allowed to use to buy pure insurance products (accidents, deaths, and illnesses), but are not allowed to buy any insurance product includes investment-related contents);重申境外保险类商户单笔交易不超过5000美元或其他等值外币的消费金额限制($5,000 limit on single overseas payments using a bankcard);强化境外收单机构对保险类商户管理要求(overseas acquirers are required to strictly supervise insurance merchants relating to cards issued from Chinese mainland)。
以下为银联国际声明全文:
UnionPay is committed to working with our partners to ensure the delivery of a safe and compliant transaction in the payment system.
银联一直致力于与合作伙伴协作确保安全合规的交易支付。
Recently, UnionPay has observed a significant increase in overseas insurance transactions by cards issued from Chinese mainland. In order to strengthen the acceptance of such transactions by cards issued from Chinese mainland we have issued The Compliance Guidelines for Overseas Insurance Merchants Accepting UnionPay Cards Issued in Chinese mainland (hereinafter referred to as The Guidelines). The Guidelines reemphasized the relevant regulations and business rules to ensure proper use of UnionPay cards issued from Chinese mainland at overseas insurance merchants.
近期,我们通过商户交易监测发现,部分境外保险类商户存在单卡单商户多笔交易量激增的情况。为进一步规范境外保险类商户受理境内银联卡,近日,我们发布《境外保险类商户受理境内银联卡合规指引》(以下简称“《指引》”),重申相关监管要求及业务规则,保证境内银联卡在境外的合规使用。
The Guidelines have been issued in Hong Kong and are applied to the acceptance of UnionPay cards issued from Chinese mainland at overseas insurance merchants via POS terminals, Internet and mobile channels. The main contents of The Guidelines are: Firstly, all UnionPay cards issued from Chinese mainland are allowed to use to buy pure insurance products (accidents, deaths, and illnesses), but are not allowed to buy any insurance product includes investment-related contents. Secondly, according to the Foreign Exchange Regulation Policies issued by the Chinese authorities, a single transaction of UnionPay cards issued from Chinese mainland that is allowed under this policy at overseas insurance merchants is capped at the equivalent of 5,000 USD. Thirdly, overseas acquirers are required to strictly supervise insurance merchants relating to cards issued from Chinese mainland by strengthening training for insurance merchants, and adhering to the Guidelines on abnormal transaction detection and merchant inspection.
《指引》目前在香港地区试行,适用于境外保险类商户在POS终端、互联网、移动支付等所有渠道受理境内银联卡的情况。主要内容包括:一是境内居民在境外购买与意外、疾病等旅游消费相关的经常项目保险,可以使用银联卡支付;其他保险项目严禁使用银联卡支付。二是严格落实外汇政策规定的境外保险类商户单笔交易不超过5000美元或其他等值外币的消费金额限制。三是强化境外收单机构对保险类商户管理要求,包括:准确设置商户类别码、加强商户培训及异常交易监控、强化商户检查等。
UnionPay International will continue to provide payment services at overseas insurance merchants while complying with the regulations and laws issued by relevant authorities.
我们将继续在监管政策框架内提供境外保险类商户的银联卡支付服务。
2014年12月大学英语四六级复习全程攻略
2014年12月大学英语四六级备考新视角
2014年6月英语四级仔细阅读部分答案及解析
2013年12月17日英语四级作文命题分析
2014国庆节长假四六级考试各题型备考指导
2013年12月大学英语六级考前准备工作
指导2013年12月英语六级考前备考
指导2013年12月英语四级考前备考
四六级听力重在提升逻辑分析和思维能力
羡慕名师指导得高分不如选好备考方法
名师指导英语四级写作提分主题句原则
名师指导英语四级写作提分原则多实少虚原则
英语四六级口语考试必看指南
指导四六级考前20天听力提分技巧
名师指导四六级最后冲刺修炼写作得高分
四级写作备考指南写作的命题形式和评分原则
大学英语四六级考前常见问题汇总
2013年6月英语六级阅读理解答题思路
2013年四六级备考题海战术有原则
名师指导英语四级考前50天应如何进行复习
名师解析2014英语新六级考试大纲及样题
四级写作考察重点及写作思路
名师点评2013年12月英语四级真题
2014年6月四六级考后点评整体难度稳中求进
2013年6月大学英语四六级复习攻略
名师解析2013年12月英语四六级考试真题
英语四六级考试四大变化
2013年12月英语四级各题型解题技巧
2013年12月英语四级听力训练方法
点评2013年12月英语六级真题及答案
不限 |
英语教案 |
英语课件 |
英语试题 |
不限 |
不限 |
上册 |
下册 |
不限 |