银联国际 UnionPay International.doc

银联国际 UnionPay International 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 Mainland China）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 mainland China 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 mainland China）。 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 mainland China. In order to strengthen the acceptance of such transactions by cards issued from mainland China we have issued The Compliance Guidelines for Overseas Insur