记者 崔烨 制图 任萍 Reporter CuiYe drawing RenPing

　　本周包括招行、浦发在内的多家股份制银行或对外或对内展现了与不同行业机构“联姻”的成果在屈臣氏、星巴克直接挥舞联通的定制手机通过招行渠道完成支付；在信贷行业浦发与法国开发署的共同担保机制；在金融支付领域银行、运营商、第三方机构在竞争中合作……

This week, including travel/Shanghai pudong development, several joint-stock Banks or external or internal show the different industries and institutions"marriage"Results in the Watson/Starbucks directly with unicom custom mobile phone through the travel channel to complete the payment;In the credit industry development of pudong development and France the common security mechanism;In the field of financial payment bank/operators/The third party institution in competition cooperation...

　　【现状】 [status]

　　科技进步敦促异业合作 The progress of science and technology urged different industry cooperation

　　在一次行业联谊中，体验完某上市银行针对小微企业主开发的客户经理软件后，一个投资者果断地买入了该行的股票。“现在如果哪家银行还不往新技术上面靠，客户端不知道要估计苹果、安卓用户，那么将来肯定是要被淘汰的。”金融界行业分析师表示。

In an industry in the fellowship,After experience a listed Banks in small micro business development of customer manager after the software,An investor decisively to buy the shares of the bank."Now if a bank is not to the new technology on above,Client don't know to estimate the apple/Two users,So the future is bound to be washed out."Financial industry analysts said.

　　而科技的发展日新月异，特别是移动通讯与互联网技术的发展，将为银行业、通讯业、航空业带来前所未有的变革。

And the development of science and technology changes with each new day,Especially mobile communication and Internet technology development,For banking/communications/Aviation industry has brought unprecedented change.

　　11月27日，招商银行(600036,股吧)、中国联通(600050,股吧)及东方航空(600115,股吧)异业联盟合作协议签署仪式在上海举行。招商银行行长马蔚华，中国联通董事长常小兵，中国东方航空集团公司总经理刘绍勇签署了异业联盟合作协议。此次携手的意义可以说代表了未来零售金融的方向

Nov. 27,Merchants bank(600036,guba)/China unicom(600050,guba)And eastern airlines(600115,guba)Different industry alliance cooperation agreement signing ceremony was held in Shanghai.China merchants bank President MaWeiHua,China unicom chairman chang,China Eastern airlines group company general manager LiuShaoYong signed the different industry alliance cooperation agreement.The significance of the hand in hand to represent the future retail financial direction

　　“中国联通、东方航空与招商银行结成异业联盟，可以说是天作之合，具有强大的协同和互补效应。三家企业均拥有庞大的客户群、丰富的产品线以及广泛的营销和服务渠道，所在的通讯业、航空业和银行业又都是与人们生活息息相关的行业。更为重要的是，无论是通讯、航空还是银行，在某种程度上都具有信息属性，对信息科技、数据管理等都具有很强的依赖性。”招商银行马蔚华行长表示。

"China unicom/Eastern airlines and China merchants bank form different industry alliance,Can be said to be a match made in heaven,Has strong coordinated and complementary effect.Three companies have huge customer base/Rich product line and extensive sales and service channel,Communications in/The airline and banking and are closely linked with people's life of the industry.More important is,Whether communication/Aviation or bank,In some extent, has information attributes,The information technology/Data management and so on all have very strong dependence."China merchants bank MaWeiHua President said.

　　因此，三方可以在高端客户联动拓展、产品和服务创新、物理网点和电子渠道共享、增值服务延伸、数据挖掘与分析等方面实现优势互补与深入合作，进而为各方带来新的成长动力。

therefore,Three party may in the high-end customer linkage development/Innovative products and services/Physical outlets and electronic channel share/Value-added services to extend/Data mining and analysis, and achieve complementary advantages and further cooperation,And then to all bring new growth power.

　　绿色信贷离不开风险分担 Green credit from risk sharing

　　除了对零售客户端，浦发银行(600000,股吧)最新的一份《绿创未来—绿色金融综合服务方案2.0》也引起了业内对新能源贷款项目的关注。这份被誉为目前“业内最全的、覆盖低碳产业链上下游的绿色信贷产品和服务体系”中，行业合作正是亮点。

In addition to retail client,Shanghai pudong development bank(600000,guba)The latest a[LuChuang future - green financial comprehensive service plan 2.0]Also has caused industry for new energy loan programs attention.This is known as at present"Most of the/Covering low carbon chain upstream and downstream green credit products and service system"in,Industry cooperation is the bright spot.

　　记者注意到，与以往绿色信贷产品多停留在概念包装层面不同，浦发银行绿色信贷的 “五大板块、十大创新产品”目前均已成功实施，收获了良好的经济效益与社会效益，在诸多领域开创行业先河。

Reporter noticed,And ever green credit products and stay in concept packaging different level,Shanghai pudong development bank green credit "Five plate/Ten innovative products"At present have been successful implementation,Harvest the good economic benefit and social benefit,In many fields create industry first.

　　据悉，浦发银行是国内唯一一家同时与世行集团国际金融公司、法国开发署、亚洲开发银行三大国际权威机构开展绿色信贷合作的商业银行，也是国内唯一同时通过中外机构风险共担和中外机构共同出资两种方式，与国际机构开展绿色信贷合作的商业银行。

It is reported,Shanghai pudong development bank is the only one at the same time, the world bank group and the international finance corporation/The French development program/The Asian development bank three international authoritative institutions green credit cooperative commercial bank,Also is domestic only at the same time through the Chinese and foreign institutions risk sharing and Chinese and foreign institutions joint investment by two ways,And international institutions to carry out green credit cooperative commercial bank.

　　“与国际机构的密切合作，帮助浦发银行迅速积累起绿色信贷业务经验，也推动该行绿色信贷业务规模快速增长。 ”据相关负责人介绍，截至2012年三季末，该行已为国内53个绿色信贷项目提供超过33亿元的贷款，预计年节约193万吨标准煤、减排二氧化碳495万吨；53个绿色信贷项目遍布全国，覆盖了该行全部37家分行中的23家，覆盖行业包括钢铁、水泥、煤炭、化工、热电、市政、有色、陶瓷、食品、装备制造、通讯以及可再生能源等行业，其中水泥、钢铁、电力等工业节能环保重点行业的项目数居前，相当部分为时下快速成长的合同能源管理项目。

"And international institutions close cooperation,Help Shanghai pudong development bank rapidly accumulate green credit business experience,The bank also promote green credit business scale rapid growth. "According to relevant controller introduces,By the end of 2012 three season,The bank has for the domestic 53 green credit project provides more than 3.3 billion yuan in loans,In is expected to save 1.93 million tons of standard coal/Emission reduction 4.95 million tons of carbon dioxide;53 green credit project all over the country,Cover the bank all 37 branches 23 of home,Cover industries including steel/cement/coal/chemical/thermoelectric/municipal/non-ferrous/ceramic/food/Equipment manufacturing/Communication and renewable energy industries,The cement/Iron and steel/Electric power and other industrial energy conservation and environmental protection in key industries in the number of the former,Quite a part is the nowadays fast growing contract energy management project.

　　支付行业也搞“三位一体” Payment industry also make"trinity"

　　而在本周二，由上海市经济和信息化委员会、上海市徐汇区人民政府主办的“2012信息服务业（上海）论坛暨第四届移动互联网产业发展高峰论坛”上，第三方支付汇付天下总裁周晔也对未来的移动支付发展路径作出 “三位一体”的判断

On Tuesday and,The Shanghai municipal economic and information commission/Shanghai xuhui district people's government of the host"2012 information service industry(Shanghai)BBS and the fourth mobile Internet industry development peak BBS"on,The third party payment remittance the world ZhouYe President about future mobile payment development path to make "trinity"judgment

　　“三年之内，在移动互联和云计算技术的推动下，移动支付、网络支付与线下收单将三位一体。 ”周晔表示，“第三方支付在移动支付产业链拥有定制化、平台化、创新性等核心优势，我国移动支付的发展应更多地着眼于第三方支付平台。惟有产业链携手共赢，才能真正推动移动支付产业健康持续发展。 ”

"Three years,In the mobile Internet and cloud computing technology driven,Mobile payment/Network payment and offline accept single will trinity. "ZhouYe said,"The third party payment in the mobile payment industrial chain with customized/Platform change/Innovative core advantage,The development of China's mobile payment should be more focus on the third party payment platform.But the win-win industrial chain,Can really promote the healthy and sustained development of mobile payment industry. "

　　汇付天下在本次论坛上首次展示了针对中国消费者使用习惯研发的拥有自主知识产权的跨平台创新移动支付终端POSmini，并且在移动支付终端和产品的基础上构建“移动出行、移动理财、移动消费”三大领域的一体化、多维度的移动支付平台；在网络支付方面，汇付天下首创推出的电话支付、信用支付、钱管家系统等支付产品已成为业内的创新标杆；在POS收单领域，针对全国中小商户推出 “直销和外包服务相结合”的创新金融信息服务模式以及专利产品“红POS”。

Remittance the world in this BBS on demonstrated for the first time for Chinese consumers use habits of research and development with independent intellectual property rights of cross-platform innovative mobile payment terminal POSmini,And in the mobile payment terminal and product basis"Mobile travel/Mobile financial/Mobile consumption"The integration of the three areas/Multi-dimensional mobile payment platform;In the network in pay,Remittance the launch of the first phone payment/Credit payment/Money housekeeping system pay products has become the industry innovation pole;In POS accept single field,According to the national small and medium-sized businesses launched "Direct marketing and service outsourcing combination"The innovation of the financial information service mode and patent product"Red POS".

　　记者注意到，目前推进移动支付发展有三种类型的力量，分别是商业银行、运营商和第三方支付，随着移动支付的蓬勃发展，未来会有更多的力量加入移动支付中来，一种是终端制造商，一种是软件公司，更多的进入者将会一起颠覆这一产业。

Reporter noticed,At present propulsion mobile payment development has three types of power,Commercial Banks are respectively/Operators and the third party payment,Along with the vigorous development of mobile payment,The future will have more power to join mobile payment to,One kind is terminal manufacturers,A software company,More entrants will be upset with the industry.

　

　【未来】 [The future]

　　招商银行行长马蔚华：打通不同产业间的壁垒 China merchants bank President MaWeiHua:Get through between different industries barriers

　　与航空业、通讯业的联盟能够实现优势互补与资源共享，不仅为企业增添发展动力，更重要的是为客户带来前所未有的价值。

With aviation/Communications alliance can realize have complementary advantages and sharing resources,For the enterprise not only add development power,More important is to provide clients with unprecedented value.

　　下一步，三家企业将依托最新科技实现银行、通讯和航空三大服务平台对接的全新合作模式，结合各方核心优势，打通不同产业间的壁垒，形成一个可自主成长的生态共同体，向客户提供一站式的银行、通讯、航空服务，此模式将极大的改善客户体验，甚至改变人们的生活方式，为“客户、社会、企业”创造更大的价值。

The next step,Three companies will depend on the latest technology to realize the bank/Communication and aviation three service platform butt new cooperation pattern,Combined with core advantage parties,Get through between different industries barriers,Form a freedom to growth of ecological community,To provide customers with one-stop bank/communication/Aviation service,This mode will greatly improve the customer experience,Even change people's way of life,for"customer/social/enterprise"To create greater value.

　　汇付天下总裁周晔：移动支付或替代银行卡

The President ZhouYe remittance:Mobile payment or substitute bank card

　　未来移动支付发展有两大悬念：第一手机是否能替代银行卡？第二是手机能否替代POS？

The future mobile payment development has two big suspense:First-hand machine can substitute bank card?The second is mobile phone can replace POS?

　　在海外移动支付模式发展中，我们看到不管是Paypal、FDC与Googlewallet合作模式中，传统的银行卡已经可以被手机替代了；而在Square模式中，未来手机可以替代POS机。

In the overseas mobile payment mode in development,We see whether Paypal/FDC and Googlewallet cooperation mode,The traditional bank card has can be mobile phones substitute for;And in the Square mode,The future of mobile phones can replace POS machine.

　　那么从趋势来看，在未来发展中，手机可能替代发卡，也可以替代POS机。有人会问你，这种替代到底需要多长时间？我们来看下，现金的发展用了300年，银行卡的发展50年，网络支付发展已经有10年，而移动支付替代银行卡和POS终端，我觉得将在三年内完成。

So from the trend,The future development of the,Mobile phone may replace hairpin,Also can replace POS machine.You may be asked,This alternative exactly how long it takes?We look at,The development of cash in the 300,The development of bank CARDS for 50 years,Network payment development has more than 10 years,And the mobile payment substitute bank CARDS and POS terminal,I think will be in three years to complete.

　　今天来看，所有业务都是泾渭分明的，包括央行发牌照也是这样分线下收单、互联网支付和移动支付等，但是再过两年，我们会发现，很多业务已经难以区分。所有业务的本质区别，是账户型支付还是应用场景型，而已经很难分清楚线下收单、网上支付和移动支付的界限了。

Today to see,All business are the distinct,Including the central bank hair licence also is such points offline accept single/The Internet payment and mobile payment, etc,But in another two years,We will find,A lot of business has been difficult to distinguish.The essential difference between all business,Is the account type payment or application scene type,And has been difficult to distinguish the single line/Online payment and the boundaries of mobile payment.

　　浦发公司及投资银行总部副总经理杨斌：新兴绿色融资离不开合作

Shanghai pudong development company and investment bank headquarters deputy general manager Yang bin:Emerging green financing from cooperation

　　碳金融目前还处在金融业和绿色信贷产业结合的前沿，但却是大势所趋，根据发改委要求，我国的碳排放交易将于2015年在全国范围内展开。浦发银行已提前筹划碳金融业务：2012年，浦发已经和上海环境能源交易所、北京环境交易所、深圳排放权交易所、重庆联合产权交易所签署了全面合作协议，与天津排放权交易所的合作协议也将于年内签署；目前，包括交易资金清算结算服务、国内碳资产抵押融资服务、国内碳资产支持票据、碳基金服务、碳交易经纪业务、在线融资等多项创新业务合作正在逐步落实，其中同深圳排放权交易所的清算系统测试已经正式开始实施。

Carbon financial is currently in the financial industry and green credit industry combined with the frontier,But it is the trend of The Times,According to the development and reform commission (NDRC) requirements,China's carbon emissions trading in 2015 will be on a nationwide basis.Shanghai pudong development bank has advance planning carbon financial business:In 2012,,Shanghai pudong development has and Shanghai environmental energy exchange/Beijing environment exchange/Shenzhen emissions exchange/Chongqing united assets and equity exchange signed a comprehensive cooperation agreement,And tianjin emissions exchange cooperation agreement will be signed in years;At present,Including trading fund settlement and settlement services/Domestic carbon assets mortgage financing service/Domestic carbon assets support the bill/Carbon fund service/Carbon trading brokerage business/Online financing and so on a number of innovative business cooperation is gradually implement,Among them with shenzhen emissions exchange settlement system test has been officially started.