昨日，记者获悉，世界贸易组织(WTO)于当地时间8月31日发布的新闻稿显示：“WTO争端解决机制(DSB)采纳了"中国-部分影响电子支付服务的措施"一案的专家组报告，中国没有对报告进行应诉或上诉。”

yesterday,The reporter learns,The world trade organization(WTO)In the local time on August 31, the press release issued by display:"The WTO dispute settlement mechanism(DSB)adopted"China - part affect electronic payment service measures"A case report of the expert group,China has not to report appearance or appeal."

　　商务部专家解释说，这意味着，中国将有义务将电子支付服务市场逐步对外开放，银联以外的其他卡组织，将被允许在中国境内发行人民币支付卡。

The ministry of commerce expert explained,This means that,China will have an obligation to electronic payment service market will gradually open up,Other than the unionpay card organization,Will be allowed in the issuance of RMB ZhiFuKa within the territory of China.

动态 dynamic

VISA等将获人民币支付资格 Visa, etc will receive RMB payment qualification

　　8月31日，WTO官方网站上发布的新闻稿显示：“WTO争端解决机制(DSB)采纳了"中国-部分影响电子支付服务的措施"一案的专家组报告，中国并没有对专家组进行上诉。”

August 31,,WTO released official website releases display:"The WTO dispute settlement mechanism(DSB)adopted"China - part affect electronic payment service measures"A case report of the expert group,China has not to the group."

　　9月1日，中国商务部官员曾向路透社表示，中国已决定不向WTO提出上诉。

On September 1,,China's commerce ministry officials have told Reuters said,China has decided not to appeal to the WTO.

　　商报记者从商务部相关专家处确认，中国对专家组裁决不上诉的事实，意味着专家组裁决已经成为此案的最终裁定，中国将有义务执行。这也意味，中国将有义务将电子支付服务市场逐步对外开放，银联以外的其他卡组织(如VISA等)，将被允许在中国境内发行人民币支付卡。

Business newspaper reporter from the ministry of commerce in the relevant experts confirmed,China's expert group decision does not appeal the fact,Means that the expert group award has become the final decision,China will have the obligation to execute.This also means,China will have an obligation to electronic payment service market will gradually open up,Other than the unionpay card organization(Such as Visa, etc),Will be allowed in the issuance of RMB ZhiFuKa within the territory of China.

　　商报记者了解到，7月16日，WTO曾就此案公布了专家组裁决。专家组认为，中国在电子支付方面的有关规定违反了《服务贸易总协定》中的国民待遇原则，损害了申诉方美国基于条约的利益，进而建议WTO争端解决机制要求中方纠正其行为。

Business newspaper reporter understands,July 16,,The WTO had announced the expert group decision.Experts think,China in the electronic payment in violation of the relevant provisions of the[General agreement on trade in services]The principle of national treatment,The appeal FangMeiGuo damage based on the interests of the treaty,And then suggest the WTO dispute settlement mechanism urge China to correct their behavior.

原因 reason

有序开放的时机已成熟 Orderly open the time is ripe

　　中国为何放弃就WTO银联案进行上诉？昨日,商务部国际贸易经济合作研究院研究员梅新育在接受商报记者采访时表示，主要原因在于，我国有意将电子支付服务市场逐步有序对外开放的时机已经成熟。

Why do you give up China unionpay WTO case appeal?yesterday,The ministry of commerce international trade and economic cooperation research institute researcher MeiXinYu in accept business newspaper reporter to interview said,The main reason is that,To our country electronic payment services market is gradually orderly open time is ripe.

　　梅新育分析说，这些年来，中国银联已经做大了市场规模，在中国境内的市场地位和份额已经相当稳定，不用担心境外发卡机构撼动银联的市场主导地位。国外发卡机构的进入，不至于影响我国经济安全，也不可能造成外资垄断。此外，国外发卡机构的进入，必将刺激中国银联改进服务和革新产品，提供更好的服务。同时，这也会对中国银联进入美国市场创造有利的条件。

MeiXinYu analysis said,Over the years,Unionpay has do big size of the market,In China the status and market share has been quite stable,Don't worry about foreign issuers shake unionpay market leading position.Foreign issuers into,Not influence the economic security of our country,Nor may cause foreign monopoly.In addition,Foreign issuers into,Will stimulate the unionpay improve the service and product innovation,To provide better service.At the same time,This would also to unionpay access to the American market to create favorable conditions.

格局 pattern

三家发卡机构各有所长 Three issuers each has his strong point

　　在银行卡广泛普及的今天，中国消费者会首选银联卡，还是VISA卡、万事达卡呢？商报记者调查发现，这三家发卡机构在市场占有率、国际化程度以及卡的使用便捷性上各有千秋。

In the bank card widely popular today,Chinese consumers will be preferred unionpay card,Or Visa card/Mastercard??Business newspaper reporter survey found,This three issuers in market share/Internationalization degree and card use convenience on each has his strong point.

　　根据国际调研公司AC尼尔森的调查，银联品牌在中国大陆地区的品牌知名度高达100%，持续领跑中国银行(601988)卡市场。伴随着银联卡受理网络的全球延伸，银联品牌正服务越来越多国家和地区的持卡人。在中国港澳地区和新加坡等国家，银联卡已经成为中国持卡人当地用卡的首选品牌。在日本、韩国等多个国家和地区，已有近50家主流金融机构与中国银联合作发行了当地货币的银联卡。

According to the international research firm AC Nielsen's survey,Unionpay brands in mainland China brand awareness as high as 100%,For the leading role in China's Banks(601988)Card market.With unionpay card accepts the network of the global extension,Unionpay brand is service more and more countries and regions of the cardholder.Hong Kong and Macao regions in China and Singapore and other countries,Unionpay card has become Chinese cardholder local use card first choice brand.In Japan/South Korea and other countries and regions,Nearly 50 home mainstream financial institutions and unionpay cooperation issued in local currency unionpay card.

　　VISA是全球最富盛名的支付品牌之一，其全球电子支付网络VisaNet是世界上覆盖面最广、功能最强和最先进的消费支付处理系统，拥有数千万家签约商户。VISA官方网站显示，Visa产品的全球受理率首屈一指。作为世界上最大的全球ATM网络之一，Visa在200多个国家和地区提供当地货币提现服务。

Visa is one of the world's most prestigious brand of payment,Its global electronic payment network VisaNet is one of the world's most widely coverage/Function is the strongest and most advanced consumption the payment handling system,With thousands of thousands of merchants signed.Visa official website display,Visa product global acceptance rate second to none.As the world's largest global one of ATM networks,Visa in more than 200 countries and regions to provide local currency carry service.

　　MasterCard在亚太、中东与非洲地区设有数十万个自动提款机。持卡消费者可在全球210个国家和地区、多达3000万家商户消费，可在全球超过83万台自动柜员机提取现金。

MasterCard in Asia Pacific/The Middle East and Africa has hundreds of thousands of an ATM machine.Consumer can CARDS in over 210 countries and regions/As many as 3000 merchants consumption,But in more than 830000 sets of automatic teller machine extraction cash.

影响 influence

银联称意料之中早有准备 Unionpay said expected ready

　　“对于WTO的裁决，我们早有准备，并不惧怕这样的竞争局面。”重庆银联有关人士昨日接受商报记者采访时表示，中国银联早就意识到了外卡组织充分竞争必将到来。持续两年的官司，客观上促进了银联近几年的积极进取，外卡组织进入中国的优势已经大为减弱，今后，银联将加大发卡规模和结算体系的完善。

"For the WTO's ruling,We are ready,Do not fear such competition situation."Chongqing unionpay officials yesterday to accept business newspaper reporter to interview said,Unionpay already aware of the wild organization fully competition will surely come.For two years of lawsuit,Objectively promoted the unionpay recent positive enterprising,The advantage of wild organization in China has been greatly weakened,In the future,Unionpay will strengthen hairpin scale and settlement system consummation.

　　“狼来了”是否会带来压力？银联方面称并没对此感到担心。上述人士表示，银联受理网络延伸到了境外125个国家和地区，全球银联卡受理商户超过1000万户，其中境外受理商户700多万户。中国人常去的亚太和欧美等多个出境目的地，银联卡使用环境正日渐成熟，辐射力也正在完善。

"Wolf has come"Whether it will bring pressure?Unionpay said didn't worry about it.The above said people,Unionpay accepts the network extends to the overseas 125 countries and regions,Global unionpay card accept merchant more than 10 million households,The foreign merchant acceptance more than 700 households.Chinese people often go to the Asia Pacific and Europe and America and so on many exit destination,Unionpay card use environment is getting more and more mature,Radial force is also perfect.

持卡人和商户将多一个选择 Cardholder and merchants will be a choice

　　市内一大型国有商业银行银行卡部经理昨日告诉商报记者，如果其他卡组织被允许在中国境内发行人民币支付卡，意味着持卡人和商户都会多一个选择。就目前的市场现状来说，中国银联在中国境内跨行转接业务方面一家独大的格局很难被打破，这和中国银联多年来的精耕细作和渠道建设密不可分。VISA和Mastercard的主要优势，在于丰富的发卡经验和海外市场品牌认知度比较高，但要想大举进攻中国市场，还需要时间。

The city a large state-owned commercial bank bank card manager yesterday told business newspaper reporters,If the other card organization be allowed within the territory of China in the issuance of RMB ZhiFuKa,Means that the cardholder and merchants will be a choice.The present market situation is,Unionpay in China an inter-bank transfer business monopoly pattern are difficult to break,This and unionpay years of intensive cultivation and channel construction are inseparable.Visa and Mastercard's main advantage,Is the rich hairpin experience and overseas market brand recognition is higher,But to massive attack the Chinese market,Still need time.

刷卡手续费短期内或不会下降 Credit card charges in the short term or won't drop

　　随着国际发卡组织的加入和竞争的加剧，银行卡刷卡手续费率是否会降低？

Along with the international hairpin organization to join and increasing competition,Bank card credit card formalities rate will reduce?

　　昨日，市内一大型股份制商业银行银行卡部人士分析，对于持卡人和合作商户来说，要想在短期内看到刷卡费率因竞争加剧而下降，是不现实的。就目前银联对合作商户和银行的收费来说，已经处于国际上的低位，按照运营成本来说，也已接近底线。除非有巨头进入中国市场后，“赔本赚吆喝”挑起价格战，才可能会有结构性的调整。

yesterday,The city a large joint-stock commercial bank bank card department personage analysis,For the cardholder and cooperation for merchants,If you want to see in the short term credit card rate decreases because of competition,Is not realistic.The unionpay merchants to cooperate and bank fee for,Has been in a international low,According to the operation cost is,Has been close to the bottom line.Unless there is a giant after entering the China market,"Sustain losses in business make call"Make price war,Just may have structural adjustment.

WTO银联案回顾 WTO unionpay case review

-2010年9月15日 - on September 15, 2010

　　美国向世贸组织就中国限制外国电子支付服务的做法提出申诉，表示中国银联垄断中国的本地电子支付业务，损害维萨、万事达和美国运通等美国企业的利益。

The United States to the world trade organization (wto) is China's restrictions on foreign electronic payment services practice to lodge a complaint,Said China unionpay monopoly China's local electronic payment business,Damage visa/Visa and American express and the other American enterprise's interests.

-2011年2月11日 - on February 11, 2011

　　奥巴马政府宣布，就电子支付案正式向世贸组织提起设立专家组的请求。

Obama government announced,Is the electronic payment formally to the world trade organization (wto) to set up expert group request.

-2011年7月4日 - July 4, 2011

　　由世贸组织总干事拉米指定的专家组，正式开始审理美国诉中国电子支付世贸争端案。

By the world trade organization (wto) director-general lam designated expert group,Officially began hearing United States v. China electronic payment the wto dispute case.

-2012年7月16日 - July 16, 2012

　　世贸组织向成员散发美国诉中国电子支付世贸争端案专家组报告。报告驳回了美方有关中国银联市场地位的指控。

The world trade organization members to send out United States v. China electronic payment the wto dispute case group report.The report rejected us about China unionpay market position charges.

-2012年8月31日 - August 31, 2012

　　世贸组织发布的新闻稿显示：“WTO争端解决机制(DSB)采纳了"中国-部分影响电子支付服务的措施"一案的专家组报告，中国没有对报告进行应诉或上诉。”

The world trade organization (wto) release releases display:"The WTO dispute settlement mechanism(DSB)adopted"China - part affect electronic payment service measures"A case report of the expert group,China has not to report appearance or appeal."

三家机构优势PK Three institutions advantage PK

-银联 - unionpay

　　在国内拥有最高的市场占有率，和国内商业银行深度合作，推出了线上、线下支付，手机支付、语音支付等多维立体的支付渠道。

In the country has one of the highest market share,And the domestic commercial Banks depth cooperation,Launched online/Offline payment,Mobile payment/Speech pay wait for multidimensional stereo pay channels.

-VISA - Visa

　　进入中国市场最早的国际发卡组织，在全球覆盖有广泛的网络，在中国联合银行发行了大量高端客户卡，提前锁定了高端客户群体。

To enter the Chinese market the earliest international hairpin organization,In the global coverage has extensive network,In China joint bank issued a large number of high-end customer card,Early lock the high-end customer group.

-Mastercard Mastercard -

　　最早推动银行发行差异化产品锁定细分群体市场，如专门针对特殊女性持卡人发卡、针对高端旅游景区发卡等。

The earliest promote banker differentiation product lock market segment,Such as particular female cardholder hairpin/Aimed at high-end tourism scenic area hairpins, etc.