许罗德－中国银联股份有限公司总裁 Xu rhode - China unionpay co., LTD. President

    和讯网消息 8月22－23日，由香港中国商会主办的第二届中国海外投资年会在香港召开。全国政协副主席黄孟复、香港行政长官梁振英等出席了会议。

    HeXunWang news on August 22-23，By the Hong Kong Chinese chamber of commerce sponsored by the second session of China's overseas investment conference held in Hong Kong。Vice chairman of the CPPCC national committee HuangMengFu、The Hong Kong chief executive LiangZhenYing etc attended the meeting。

    在23日主题为“全球资源共享投资双向互动”的主论坛上，中国银联总裁许罗德先生发表了主题为“银联的国际化把中国的成长带向世界”的演讲。

    In 23 theme“The global resources sharing investment the bidirectional interaction”Lord BBS on，Unionpay President Mr. Xu Glenn roeder published the theme of“The internationalization of China unionpay the growth toward the world”speech。

    他表示，银联走出去发展过程中，很大的一个贡献就是把中国的成长带向世界。他指出，以和为贵、国际化及本土化结合以及不断加强创新，都是银联国际化过程中宝贵的经验。

    He said，Unionpay go out in the process of development，A lot of a contribution is to make China's growth toward the world。He pointed out that，harmony、With the internationalization and localization, and continuously strengthen innovation，Is unionpay internationalization process valuable experience。

    以下是现场文字实录：     The following is the text memoir：

    许罗德：各位嘉宾，大家上午好！今天我和大家做这个交流，还有一些特别的情结，在座的各位基本上都有银联卡，所以大家都是我的合作伙伴，也是我的服务对象，所以今天的交流也是给大家的汇报。

    Xu rhode：guests，Good morning everyone！Today I and you do the communication，There are some special complex，All of you basically have unionpay card，So everyone is my partner，Is my service object，So today's communication is to everyone's report。

    首先关于企业“走出去”我有一个看法。我认为中国的企业“走出去”有四种形态，一种形态就是中国已经“走出去”的企业，他们已经具有了国际的影响，成为了世界的品牌，这一类的企业在中国还不太多。第二类就是正在走的企业，他们取得了一些阶段性的成果，已经迈出了一些“走出去”的步伐，做了一些收购、并购，在境外有一些投资存在。第三类是准备走的企业，做了很多的调研、准备，甚至把钱都准备好了，现在在看要投到哪里，这是一类企业。第四类是压根就没打算走出去的，他觉得中国的市场很好，就愿意留在中国。所以我觉得这个企业就分为这样四类。银联属于哪一类呢？我如果说得保守一点，就是第二类，正在走，如果说得冒进一点，我就是走出去了，大概银联是属于走出去和正在走的过程。这些年大家感受到银联卡好用了，不仅在中国大陆用得好，现在在东南亚、韩国、日本，甚至欧洲、非洲都用的非常好，银联的国际化已经到了一定的程度。确实媒体也有很多这样的报道。其实，银联的国际化是从香港开始的，2004年1月18日，香港实现了商户能够用银联卡买东西，银联卡也可以在ATM机上提现，那是8年前。8年来，银联卡已经实现在100多个国家可以使用，银联的品牌已经成为了全球第三大的银行卡品牌。回顾银联卡的发展过程，我有几个体会，这就是我今天的题目“银联的国际化把中国的成长带向世界”。

    First of all about enterprise“Go out”I have a view。I think China's enterprise“Go out”There are four forms，A form is China has“Go out”enterprise，They have already have the international influence，As the world brand，This kind of enterprise in China is not too much。The second type is walking enterprise，They made some stage results，Have already made some“Go out”pace，Did some acquisition、Mergers and acquisitions，In some overseas investment exist。The third class is preparing to walk enterprise，Do a lot of research、Ready to，Even the money all ready，Now look at to get to where，This is a kind of enterprise。The fourth class is ain't no plan to go out，He felt that the market of China is very good，Is willing to stay in China。So I think this enterprise is divided into such four categories。Unionpay belong to which kind of it？If I have a little conservative，Is the second type，Is go，If have a rash advance，I just went out，Probably unionpay belongs to going out and walking process。These people to feel the unionpay card to use，Not only in mainland China use well，Now in southeast Asia、South Korea、Japan，Even the European、Africa with very well，Unionpay internationalization has come to a certain extent。Does the media also has a lot of such reports。In fact，The internationalization of unionpay started from Hong Kong，On January 18, 2004，Hong Kong realize the merchant to be able to use unionpay card to buy things，Unionpay card can also in the ATM machine carry，It is eight years ago。8 years，Unionpay card has been achieved in more than 100 countries can use，Unionpay brand has become the world's third largest bank card brand。Review the development process of unionpay card，I have some experience，This is my today's topic“The internationalization of China unionpay the growth toward the world”。

    为什么这么讲，中国改革开放30年，带来了国力的强盛、居民的富裕，财富有了很大的积累，消费的能力得到很大的提升。他们要到国外旅行、购物，近几年这样的人数每年以上千万的数量在增长。银联做的事情就是把这个网络延伸到全球各地，给我们这些出境的人的消费、购物、旅游提供便利，把他的消费潜能激发出来。我记得两年前我到法国巴黎，到了法国老佛爷，它的墙上有非常大的银联的标识，我就陪我看商场的老佛爷的国际部的负责人，我说你这么慷慨的把银联的标识贴出来，而且一分钱不收我们的，你是怎么考虑的？他说中国大陆的游客来了之后，看到这个银联的标识，他特别兴奋，他购物的积极性马上就上来了，他买的东西就多了。所以我说，看起来银联是一个网络的延伸，实际上是把中国的成长，这几年迸发出来的消费的能力带到了全球。在香港，去年银联卡的购物超过了1000亿人民币，今年将要超过1200亿人民币。银联网络为全球做了一件好事，就是把中国的成长带到世界，这是我对银联国际化的第一点体会。

    Why do you say that，China's reform and opening up 30 years，Bring the national strength strong、Wealthy residents，The accumulation of wealth have greatly，Consumption ability get a lot of ascension。They want to travel abroad、shopping，In recent years the number of this year the number of millions in growth。Unionpay do is take this network extends to the world，Give us these exit people's consumption、shopping、Traveling to provide the convenience，His consumption potential stir up。I remember two years ago I went to Paris, France，In France lafayette，It's on the wall there is a very big unionpay logo，I will accompany me to see stores in charge of the international department of lafayette，I said you're so generous the unionpay logo stick out，And a penny don't accept our，How do you consider？He said mainland Chinese visitors to the later，See the unionpay logo，He was particularly excited，He shopping enthusiasm soon came up，He buy more。So I said，Look unionpay is a network extension，Is actually the Chinese growth，Over the past few years gush out consumption ability brought to the global。In Hong Kong，Last year unionpay card shopping more than 100 billion yuan，This year will be more than 120 billion yuan。Unionpay network for global had done a good deed，Is China's growth to the world，This is my first point of unionpay international experience。

    第二点体会，和为贵。今天陈峰先生讲了中国经商的理念，中国的商业文明和西方商业文明的差距是什么？西方的商业文明有一个很重要的理念就是“你死我活”。我觉得中国的文明一直有一个传统的理念，就是“和为贵”，我们共同发展，共享成长。大家用银行卡，可能还不太清楚，银行卡的产业链是很长的，我们有发卡机构、收单机构，还有像银联卡这样的转结清算组织，或者说是卡的支付机构，还有很多提供增值服务的第三方机构。如果在这个过程中你只考虑自己的利益，而不考虑别人的利益，你是很难做好的，也是很难做大的，大家是很难认同你的。银联一直坚持一个理念，我们在发展过程中，我们与全球130多个国家的当地机构进行友好的合作，互利共赢。我们现在和全球220多家机构在进行合作，我们和渣打、汇丰都是合作伙伴，这是把我们中国的商业文明、商业理念带向世界。

    The second point experience，Absoluteness and。Today Mr. ChenFeng told the China business philosophy，China's commercial civilization and western commercial civilization gap is what？The western commercial civilization is a very important concept is“or”。I think Chinese civilization has been a traditional idea，is“Absoluteness and”，Our common development，Shared growth。Everyone to use bank CARDS，May also not too clear，Bank card industry chain is very long，We have a card issuers、Accept single institution，And like unionpay CARDS this turn "a liquidation organization，Or rather card payment mechanism，There are many provide value-added services third party institution。If in the process you only think about their own interests，Without considering the interests of others，You is hard to do well，It is difficult to do big，Everyone is difficult to agree with you。Unionpay has been insisting a concept，We in the development process，We and the world more than 130 countries local institutions friendly cooperation，Mutual benefit and win-win results。We now and the world more than 220 agencies in the cooperation，We and the standard chartered、HSBC are partners，This is our China's commercial civilization、Business concept toward the world。

    第三点体会，中国银联的国际化坚持本土化。本土化是银联国际化强大的基石，我们要实现国际化，没有本土化作为基础是不能实现的，本土化方面我们做了什么？银行成立到今天整整10年，这10年，我们把国内的市场做了巨大的努力，首先就是建设了一个遍布城乡的银联卡的受理网络，现在银联卡的受理网络，东部地区已经到了乡镇，西部地区也大部分到了乡镇。第二个就是我们和商业银行研发了几千种银行卡的产品，我们的发卡银行和银联联合，发行了银联这个品牌的产品几千种。甚至我们为农民工都量身定制了银行卡的服务。大家可能看过《天下无贼》，这个农民工去打工，钱带在身上被人家偷了。我们就和商业银行联合打造了银行卡服务，让他们通过银行卡，回到家乡可以拿到钱，银行卡的服务已经渗透到方方面面。在大陆，银行卡的消费，已经占到社会消费品零售总额的40%，央行刚刚发布的消息是47%。第三个是银联卡的品牌在大陆已经非常深入。大陆的居民，每个人都有几张银行卡，有借记卡、信用卡、金卡，甚至还有其他的银联的行业应用卡，这个品牌已经深入人心了。正因为我们本土做得好，我们才可能走得出去，我们本土的人才觉得拿着这张银联卡，感觉到是一张名片，是我们的自豪，他们在境外看到银联标识，就跟看到国旗一样，有一种自豪感，本土化是银联国际化的强大基石。

    The third point experience，The internationalization of China unionpay to localization。Localization is unionpay international strong foundation，We must realize the internationalization，No localization as the foundation is not realized，Localization ways we do？The bank was established for 10 years to today，This 10 years，We put the domestic market made great efforts，The first one is building a in urban and rural areas unionpay card acceptance network，Now unionpay card acceptance network，The eastern region has come to town，The western region has also most of the villages and towns。The second is that we and commercial bank developed thousands of kinds of bank card products，Our hairpin bank and/or joint，Release the unionpay this brand products thousands of kinds of。Even we are for migrant workers customize the bank card service。You may have seen《TianXiaWuZei》，The migrant workers to go to work，Money with me was the somebody else stolen。We will and commercial bank jointly build a bank card service，Let them through the bank card，Return home can get money，Bank card service has penetrated into all aspects。In the mainland，Bank card consumption，Has accounted for 40% of the total social retail，The central bank has just released news is 47%。The third is unionpay card brand in China has been very deep。Mainland residents，Everyone has a few pieces of bank CARDS，A debit card、Credit card、gold，There are even other unionpay card industry application，The brand has already thorough popular feeling。Because of our local well done，That we may go out，Our local people think take this ZhangYinLian card，Feel is a business card，Is our pride，They see in abroad unionpay mark，Like to see as the national flag，There is a sense of pride，Localization is unionpay international strong foundation。

    第四点体会，创新是银联国际化的未来。银行卡本身就是一个创新的结果，原来我们消费都是通过货币来消费，银行卡是对纸币的取代，它是一种创新的结果。现在随着信息技术的发展，必须有很多的创新融入进去，比如说现在的芯片卡，现在这个大陆都在实行芯片卡的迁移，在香港走得更快一点，在欧洲、东南亚走得更快一点，但是大陆近年也加快了这个步伐，我们在2015年以后，不再发行磁条卡，全部是芯片化。第二个创新，现在在支付方面的网络化，也就是网上支付、移动支付。所以我们银联提出来要打造网上银联，打造移动银联，实现网上、网下、移动立体式的支付，我们和香港、东南亚地区都在进行接轨，在香港也发行了这样的IC卡，在东南亚国家也发行了IC卡，实现了国际接轨，只有不断地创新，你的发展才能持续，如果是老一套，你即使走出去了，你还得回来。所以我觉得创新是国际化的未来。

    The first four experience，Innovation is the future of unionpay internationalization。Bank card itself is an innovative results，For we consumption is through the currency to consumption，Bank card is to replace the money，It is an innovative results。Now along with the development of information technology，There must be a lot of innovation fit it in，For example, the chip card，Now the mainland are in a chip card migration，In Hong Kong, go a little faster，In Europe、Southeast Asia go a little faster，But the mainland in recent years also speed up the pace，We are 2015 years later，No longer issue magnetic stripe card，Are all chip change。The second innovation，Now in the pay of the network，Is online payment、Mobile payment。So we unionpay out to make online unionpay，Make mobile unionpay，The realization of online、off-line、Mobile stereometric formula payment，We and the Hong Kong、Southeast Asia is in practice，In Hong Kong also issue the IC card，In southeast Asia countries also release the IC card，Realize the international standards，Only by continuously innovation，You can continue to development，If it is the same old story，Even if you go out，You have to come back。So I think that innovation is the future of the internationalization。

    其实我想和大家交流很多，考虑到大家没有休息，我就讲这么多，谢谢大家。

    Actually I want to communicate with everybody many，Considering everyone without rest，I will speak so much，Thank you。