创新是国内支付清算行业的长久命题，但目前显得格外紧迫，因为该行业对外资开放的脚步正渐行渐近。世贸组织（WTO）近日发布报告，就美方起诉中方在电子支付行业准入存在垄断事宜作出初裁，初步认定银联在“部分类别”的人民币支付卡清算交易中存在垄断。如果这个裁定成立，将意味着在WTO框架下，中国有义务将该市场按照贸易规则对外资供应商开放。

Innovation is the payment and settlement of the industry long proposition，But is particularly urgent，Because the industry to foreign investment and opening steps are gradually do asymptotic。The world trade organization（WTO）In a report released recently，U.S. prosecution in China is electronic payment industry access to existing monopoly issues early cutting，Preliminary determination in principal“Part category”Yuan ZhiFuKa existing in the clearing trade monopoly。If the ruling was set up，Will mean under the framework of WTO，China has obligations in accordance with the market trade rules on foreign suppliers to open。

　　开放的口子一旦打开，首先冲击中国市场的将是Visa和万事达卡等支付清算组织，他们关注的重点是介入人民币计价的银行卡清算和结算市场。也就是说，既然银联能在境外攻城略地，那么Visa和万事达也希望能分享中国庞大的市场，包括在电子刷卡设备上贴上他们的标签，当用户结账时，可以有不同的刷卡通道可以选择。

Open cut once opened，The impact of the Chinese market will first is Visa and mastercard, payment and settlement organizations，They focus of concern is involved in renminbi bank card liquidation and settlement market。That is，Since union pay can GongChengLveDe overseas，So Visa and mastercard also hope to China's huge market share，Included in the electronic equipment on their credit card on the label，When the user the checkout，Can have different credit channel can choose。

　　其次，一旦外资机构进入国内市场，他们的胃口也不会仅局限在支付卡清算交易。目前，Visa将自己在支付领域未来的战略定位为近场支付（手机支付的一种形式）、电子钱包和商户优惠集成。所谓的电子支付，已经不仅仅是刷卡这么简单。实际上，为了实现战略目标，Visa已经投资了包括Square在内的一批新兴移动支付公司。其他诸如PayPal这样的电子支付巨头，甚至谷歌、苹果都在规划推出自己的支付服务。

second，Once the foreign agencies into the domestic market，Their appetite also won't limited in ZhiFuKa clearing trade。At present，Visa in in the future to pay for the strategic positioning of near field pay（Mobile payment is a form）、Electronic purse and merchants preferential integration。The so-called electronic payment，Has not only pay by credit card so simple。In fact，In order to achieve the strategic goals，Visa has investment, including the Square a batch of emerging mobile payment company。Other such as PayPal such electronic payment giant，Even Google、Apple are planning to release their own payment services。

　　面对可能到来的境外支付企业大军，创新成了国内企业亟待解决的问题。没有契合中国市场的新功能和优秀的产品体验，我们拿什么跟国外对手抗衡？客观来说，传统的线下Pos收单已经不能代表支付业的未来，在线支付、移动支付才是将来真正的战场。中国的在线支付市场由于有淘宝等众多应用场所，勉强在量级上和国外打成平手，但在特别强调创新的移动支付领域，我们与国外对手至少有两年的差距。

Face possible arrival of overseas payment enterprise force，Innovation become domestic enterprise problems to be solved。No fit the Chinese market of new function and excellent product experience，We take what with foreign compete？Objective for，The traditional off-line Pos receipt-accepting have already can't represent the future of the payment，Online payment、Mobile payment is the future real battlefield。China's online payment market with taobao and many other fields，Force in magnitude and foreign to a draw，But in the special emphasis on innovative mobile payment areas，Our and foreign rivals at least two years gap。

　　鼓励创新必须要有政策上的支持和松绑。目前，在支付领域，尤其是在新兴的第三方支付领域，中国企业并非没有创新能力、风控能力，而是各种限制较多，一个新功能的出现往往要先符合各种标准和政策要求。中国支付行业的创新能力实际上是被人为削弱了。

Encourage innovation must have policy support and relax。At present，In pay field，Especially in the third party pay emerging field，China enterprise are not without innovation ability、The wind control ability，But various restrictions more，A new function often want to meet first appear standard and policy requirements。China pays the innovative ability of the industry is actually is artificially weakened。

　　以移动支付为例，一开始就存在电信运营商系和银行系的标准之争，这种情况让企业想创新却面临大环境的混乱。对什么样的企业能从事新兴的近场支付和各类细分的移动支付的政策限制较多，有些甚至无必要。在目前的政策限制下，国内支付企业要想拿出适应中国国情的“新玩意儿”，比美国的前辈们要难得多。

With mobile payment for example，There is a start of telecom operators and bank of the department of the dispute of standard，This kind of situation let enterprise want to innovation face the confusion of the environment。About what kind of enterprise to engage in the near field emerging payment and all kinds of segmentation of mobile payment policy limitation more，Some even is not necessary。In the present policy restrictions，The domestic enterprise to pay out to adapt to the situation of China“New things”，The elder people than the United States to more rare。

　　在外资支付企业对中国市场跃跃欲试的同时，除了被动的保护，让整个行业少些掣肘，真正为创新松绑是行业和政策必须突破的瓶颈。

In foreign capital enterprise to pay for the Chinese market to try at the same time，In addition to the protection of the passive，Let the whole industry less grip，Real innovation is easing for industry and policy must break the bottleneck。