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Visa率先申请牌照
2017-08-08 04:04:38 中国青年网
长沙晚报讯(记者 陈登辉)中国开放银行卡清算市场有了重要进展。记者昨日获悉,国际著名卡组织Visa已经向央行递交了在国内建立银行卡清算机构的资质申请,成为第一家提出申请的境外卡组织。
据了解,银行卡清算业务,是银行卡持卡人用卡消费或缴费等交易后,银行与银行、银行与受理卡片的商家之间的资金结算、转账的过程。自2015年决定开放银行卡清算市场以来,主管部门一直推进相关工作。2016年6月,央行与银监会发布《银行卡清算机构管理办法》,细化了银行卡清算机构准入管理条件。时隔一年,人民银行发布《银行卡清算机构准入服务指南》,进一步明确审批依据、受理机构和决定机构、申请和审批的具体流程等。
银行卡清算市场放开之后,中国市场上将出现更多像银联这样的银行卡清算机构,老百姓手中的人民币卡也将不再只有银联这一个品牌。业内人士普遍认为,银行卡清算服务市场化机制的逐步建立,将为广大消费者和持卡人带来更加个性化的银行卡支付产品。对消费者来讲,最大的好处就是选择多了,由于机构之间的竞争而享受到的实际优惠也会增加,“薅羊毛”的收获会更大。
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