近期，我们通过商户交易监测发现，部分境外保险类商户存在单卡单商户多笔交易量激增的情况。为进一步规范境外保险类商户受理境内银联卡，近日，我们发布《境外保险类商户受理境内银联卡合规指引》（以下简称“《指引》”），重申相关监管要求及业务规则，保证境内银联卡在境外的合规使用。

The Guidelines have been issued in Hong Kong and are applied to the acceptance of UnionPay cards issued from Chinese mainland at overseas insurance merchants via POS terminals, Internet and mobile channels. The main contents of The Guidelines are: Firstly, all UnionPay cards issued from Chinese mainland 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. Secondly, according to the Foreign Exchange Regulation Policies issued by the Chinese authorities, a single transaction of UnionPay cards issued from Chinese mainland that is allowed under this policy at overseas insurance merchants is capped at the equivalent of 5,000 USD. Thirdly, overseas acquirers are required to strictly supervise insurance merchants relating to cards issued from Chinese mainland by strengthening training for insurance merchants, and adhering to the Guidelines on abnormal transaction detection and merchant inspection.

《指引》目前在香港地区试行，适用于境外保险类商户在POS终端、互联网、移动支付等所有渠道受理境内银联卡的情况。主要内容包括：一是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。二是严格落实外汇政策规定的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。三是强化境外收单机构对保险类商户管理要求，包括：准确设置商户类别码、加强商户培训及异常交易监控、强化商户检查等。

【境内银联卡不得用于资本和金融项目交易】相关文章：

★ 盘点2011年国内外焦点事件（中）(中英文)

★ 新加坡：世界上最富的国家

★ 世人纪念美国总统肯尼迪遇刺49周年

★ 英国各银行资本金缺口可能高达500亿英镑

★ 安倍晋三当选日本首相

★ 美国务卿因因肠胃病毒推迟中东之行

★ 中国7月份CPI同比涨幅回落至1.8%

★ 奥尔森姐妹：追求极致的时尚精灵

★ 蒙古国大举进入国际资本市场

★ 中国汽车销售逆势高增长