<p>，/PRNewswire/ -- 当政治和商业领袖们在达沃斯举行的 2026 年世界经济论坛年会上聚集，主题为_&#34;对话的精神，&#34;_一个实际的问题浮现出来：在地缘政治不确定性上升和全球贸易与投资压力加大的背景下，如何保持人员、商业和资本的流动高效且具有韧性？</p>
<p>继续阅读</p>
<p><img src="https://imageproxy.pbkrs.com/https://www.prnewswire.com/news-releases/null?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://www.prnewswire.com/news-releases/null"/></p>
<p>根据国际货币基金组织的预测，全球经济增长预计将在 2026 年放缓。发达经济体面临结构性阻力，新兴市场则在更高的融资成本和跨境交易摩擦中挣扎，使得支持国际经济活动的基础能力——特别是支付——变得至关重要。</p>
<p>在全球经济重组的背景下，作为全球最大的卡支付组织之一的银联，正将跨境网络连接作为一个切实的切入点。银联并不将自己定位为全球支付服务提供商，而是通过多边合作、互操作性和共享价值，创新以促进一个开放和包容的国际支付生态系统。同时，它还在探索数字技术的负责任应用，包括在支付中使用人工智能，寻求提供效率、安全性和金融包容性的解决方案。</p>
<p>截至目前，银联卡已在全球 84 个国家和地区发行。其接受网络覆盖 183 个国家和地区。通过与全球 2600 多家金融机构和支付利益相关者的合作，银联推出了适应当地市场的数字支付产品和服务，支持各类商业和消费活动。</p>
<p>中国银联及银联国际董事长董俊峰在世界经济论坛的圆桌讨论会上发表了讲话。银联二十多年的发展反映了中国经济韧性和持续开放的更广泛轨迹。即使在更复杂的全球环境中，银联仍然致力于其国际战略——推动支付行业的高质量发展，并在平等、互利和共享增长的基础上推进合作框架。</p>
<p><strong>实践中的连接：在新兴市场推进新四方模式</strong></p>
<p>扩大跨境支付不仅需要技术整合，还依赖于可持续和可复制的合作模式。近年来，银联通过网络对网络（N2N）和政府对政府（G2G）合作，开发了数字支付时代的&#34;新四方模式&#34;。</p>
<p>在传统四方支付框架的基础上，该模式扩大了生态系统两侧的参与。账户方面，引入了数字钱包和移动设备制造商；接受方面，纳入了支付服务提供商、支付聚合商和 SaaS 平台。通过双边和多边合作，该模式旨在整合优质资源，降低跨境合作成本，加速网络扩展。</p>
<p>在实践中，银联已在东南亚、中亚、中东、非洲和拉丁美洲等关键新兴市场应用这一方法，帮助推进跨境二维码支付网络之间的互操作性。重要的是，该模式并不是为了取代当地支付系统，而是在现有监管框架内运作，促进标准的相互认可和协调网络发展，同时支持地方努力提升支付基础设施。</p>
<p>因此，全球数千万微型、小型和中型商户与银联的包容性全球网络连接，获得了更好的国际消费者和跨境商业机会的接入。</p>
<p><strong>支付中的负责任人工智能：将创新转化为实践</strong></p>
<p>鉴于人工智能重塑经济结构和增长模式的潜力，它已成为达沃斯讨论的焦点。然而，在一个具有高安全性和合规要求的支付领域，挑战在于如何有效管理风险的同时利用创新。</p>
<p>银联将自己定位为金融领域领先的应用驱动型人工智能实践者，将人工智能视为支持支付智能升级的新生产力驱动因素。银联并不追求孤立的用例，而是采取协作方式，与科技公司、研究机构和大学合作，构建一个支持高质量和可持续部署的共享人工智能应用生态系统。</p>
<p>在支付安全方面，银联建立了一个智能风险控制系统，显著提高了交易保护的及时性和有效性。人工智能生成的专家风险规则现在的准确率达到 85%。</p>
<p>在基于代理的支付解决方案方面，银联是行业内的先行者之一。其 MCP 代理支付服务使用户能够通过对话互动完成从请求到支付的整个过程。</p>
<p>随着中国继续扩大免签旅行政策，银联还为入境游客推出了人工智能支持的服务。通过其一站式数字平台——&#34;你好中国&#34;应用（于 2025 年 12 月推出），人工智能被应用于支付指导、多语言翻译、行程规划和日常生活推荐，为国际游客提供更无缝的体验。</p>
<p><strong>从对话到合作：在跨境支付中实现长期价值</strong></p>
<p>从本质上讲，银联的做法反映了达沃斯倡导的对话精神。通过与各市场的地方支付系统合作，银联并不寻求强加单一的模式或标准，而是希望在多样性中找到共同点——创造性地构建一个更加开放和包容的全球支付生态系统。</p>
<p>通过提高跨境支付效率和降低交易成本，银联支持区域经济循环，并使中小型参与者，特别是在新兴市场中的更广泛参与成为可能。这种以合作为先、双赢的方式与世界经济论坛在不确定时代反复强调的价值观高度一致。</p>
<p>展望未来，银联将继续利用连接性作为杠杆，深化多边合作，为构建一个更加开放、包容和可持续的国际支付生态系统贡献力量——忠实于其 “可信的联系，共享的成功” 的愿景。</p>
<p>来源：银联国际</p>
<p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwMTIxJk5ld3NJdGVtSWQ9Q042NzkzMSZUcmFuc21pc3Npb25fSWQ9MjAyNjAxMjEwNzQ3UFJfTkVXU19VU1BSX19fX19DTjY3OTMx?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwMTIxJk5ld3NJdGVtSWQ9Q042NzkzMSZUcmFuc21pc3Npb25fSWQ9MjAyNjAxMjEwNzQ3UFJfTkVXU19VU1BSX19fX19DTjY3OTMx"/></p>

<p>银联正在关注通过连接性和人工智能增强跨境支付，参加 2026 年达沃斯世界经济论坛。在全球经济挑战的背景下，银联旨在通过促进多边合作和互操作性，推动一个包容性的国际支付生态系统。该公司开发了 “新四方模式”，以改善新兴市场的数字支付合作，同时利用人工智能提高交易的安全性和效率。银联的举措支持当地支付系统，并增强小型商户进入国际市场的机会，反映了其在支付领域高质量发展的承诺</p>

<p>, /PRNewswire/ -- As political and business leaders gather at the World Economic Forum Annual Meeting 2026 in Davos under the theme <em>&#34;A Spirit of Dialogue,&#34;</em> a practical question looms large: amid rising geopolitical uncertainty and pressure on global trade and investment, how can the movement of people, commerce, and capital remain efficient and resilient?</p>
<div class="lb-trans"><p>，/PRNewswire/ -- 当政治和商业领袖们在达沃斯举行的 2026 年世界经济论坛年会上聚集，主题为_&#34;对话的精神，&#34;_一个实际的问题浮现出来：在地缘政治不确定性上升和全球贸易与投资压力加大的背景下，如何保持人员、商业和资本的流动高效且具有韧性？</p>
</div><p>Continue Reading</p>
<div class="lb-trans"><p>继续阅读</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://www.prnewswire.com/news-releases/null" alt="" original-src="https://www.prnewswire.com/news-releases/null"/></p>
<p>According to the International Monetary Fund, global economic growth is expected to moderate in 2026. With advanced economies facing structural headwinds and emerging markets grappling with higher financing costs and friction in cross-border transactions, the foundational capabilities that enable international economic activity—particularly payments—are becoming critical.</p>
<div class="lb-trans"><p>根据国际货币基金组织的预测，全球经济增长预计将在 2026 年放缓。发达经济体面临结构性阻力，新兴市场则在更高的融资成本和跨境交易摩擦中挣扎，使得支持国际经济活动的基础能力——特别是支付——变得至关重要。</p>
</div><p>Against this backdrop of global economic realignment, UnionPay, one of the world's largest card payment organizations, is focusing on cross-border network connectivity as a practical entry point. Rather than positioning itself as a global payment service provider, UnionPay is innovating to foster an open and inclusive international payments ecosystem—built on multilateral collaboration, interoperability, and shared value. At the same time, it is exploring the responsible application of digital technologies, including artificial intelligence in payments, seeking solutions that offer efficiency, security and financial inclusion.</p>
<div class="lb-trans"><p>在全球经济重组的背景下，作为全球最大的卡支付组织之一的银联，正将跨境网络连接作为一个切实的切入点。银联并不将自己定位为全球支付服务提供商，而是通过多边合作、互操作性和共享价值，创新以促进一个开放和包容的国际支付生态系统。同时，它还在探索数字技术的负责任应用，包括在支付中使用人工智能，寻求提供效率、安全性和金融包容性的解决方案。</p>
</div><p>To date, UnionPay cards are issued in 84 countries and regions globally. Its acceptance network spans 183 countries and regions. Through partnerships with over 2,600 financial institutions and payment stakeholders worldwide, UnionPay has introduced digital payment products and services adapted to local markets, supporting commerce and consumption across contexts.</p>
<div class="lb-trans"><p>截至目前，银联卡已在全球 84 个国家和地区发行。其接受网络覆盖 183 个国家和地区。通过与全球 2600 多家金融机构和支付利益相关者的合作，银联推出了适应当地市场的数字支付产品和服务，支持各类商业和消费活动。</p>
</div><p>Dong Junfeng, Chairman of China UnionPay and UnionPay International, delivered a speech at a World Economic Forum roundtable discussion. UnionPay's more than two decades of development reflect China's broader trajectory of economic resilience and continued opening-up. Even amid a more complex global environment, UnionPay has remained committed to its international strategy—promoting high-quality development in the payments sector and advancing cooperation frameworks based on equality, mutual benefit, and shared growth.</p>
<div class="lb-trans"><p>中国银联及银联国际董事长董俊峰在世界经济论坛的圆桌讨论会上发表了讲话。银联二十多年的发展反映了中国经济韧性和持续开放的更广泛轨迹。即使在更复杂的全球环境中，银联仍然致力于其国际战略——推动支付行业的高质量发展，并在平等、互利和共享增长的基础上推进合作框架。</p>
</div><p><strong>Connectivity in Practice: Advancing the New Four-Party Model in Emerging Markets</strong></p>
<div class="lb-trans"><p><strong>实践中的连接：在新兴市场推进新四方模式</strong></p>
</div><p>Scaling cross-border payments requires more than technical integration, depending on cooperation models that are sustainable and replicable. In recent years, UnionPay has developed a &#34;New Four-Party Model&#34; for digital payments era through network-to-network (N2N) and government-to-government (G2G) cooperation.</p>
<div class="lb-trans"><p>扩大跨境支付不仅需要技术整合，还依赖于可持续和可复制的合作模式。近年来，银联通过网络对网络（N2N）和政府对政府（G2G）合作，开发了数字支付时代的&#34;新四方模式&#34;。</p>
</div><p>Building on the traditional four-party payments framework, this model expands participation on both sides of the ecosystem. On the account side, it brings in digital wallets and mobile device manufacturers; on the acceptance side, it incorporates payment service providers, payment aggregators, and SaaS platforms. Through bilateral and multilateral collaboration, the model aims to integrate high-quality resources, reduce the cost of cross-border cooperation, and accelerate network expansion.</p>
<div class="lb-trans"><p>在传统四方支付框架的基础上，该模式扩大了生态系统两侧的参与。账户方面，引入了数字钱包和移动设备制造商；接受方面，纳入了支付服务提供商、支付聚合商和 SaaS 平台。通过双边和多边合作，该模式旨在整合优质资源，降低跨境合作成本，加速网络扩展。</p>
</div><p>In practice, UnionPay has applied this approach in Southeast Asia, Central Asia, the Middle East, Africa, and Latin America—key emerging markets—where it is helping to advance interoperability among cross-border QR code payment networks. Importantly, this model is not designed to replace local payment systems. Instead, it operates within existing regulatory frameworks, promoting mutual recognition of standards and coordinated network development, while supporting local efforts to enhance payment infrastructure.</p>
<div class="lb-trans"><p>在实践中，银联已在东南亚、中亚、中东、非洲和拉丁美洲等关键新兴市场应用这一方法，帮助推进跨境二维码支付网络之间的互操作性。重要的是，该模式并不是为了取代当地支付系统，而是在现有监管框架内运作，促进标准的相互认可和协调网络发展，同时支持地方努力提升支付基础设施。</p>
</div><p>As a result, tens of millions of micro, small, and medium-sized merchants worldwide are connected to UnionPay's inclusive global network, gaining better access to international consumers and cross-border commercial opportunities.</p>
<div class="lb-trans"><p>因此，全球数千万微型、小型和中型商户与银联的包容性全球网络连接，获得了更好的国际消费者和跨境商业机会的接入。</p>
</div><p><strong>Responsible AI in Payments: Turning Innovation into Practice</strong></p>
<div class="lb-trans"><p><strong>支付中的负责任人工智能：将创新转化为实践</strong></p>
</div><p>Artificial intelligence has been a focal point of Davos discussions, given its potential to reshape economic structures and growth models. Yet in payments—a sector with high security and compliance requirements—the challenge lies in harnessing innovation while effectively managing risk.</p>
<div class="lb-trans"><p>鉴于人工智能重塑经济结构和增长模式的潜力，它已成为达沃斯讨论的焦点。然而，在一个具有高安全性和合规要求的支付领域，挑战在于如何有效管理风险的同时利用创新。</p>
</div><p>UnionPay positions itself as a leading application-driven AI practitioner in the financial sector, treating AI as a new productivity driver to support the intelligent upgrading of payments. Rather than pursuing isolated use cases, it has adopted a collaborative approach, working with technology companies, research institutions, and universities to build a shared AI application ecosystem that supports high-quality and sustainable deployment in financial scenarios.</p>
<div class="lb-trans"><p>银联将自己定位为金融领域领先的应用驱动型人工智能实践者，将人工智能视为支持支付智能升级的新生产力驱动因素。银联并不追求孤立的用例，而是采取协作方式，与科技公司、研究机构和大学合作，构建一个支持高质量和可持续部署的共享人工智能应用生态系统。</p>
</div><p>For payment security, UnionPay has built an intelligent risk-control system that significantly improves the timeliness and effectiveness of transaction protection. AI-generated expert risk rules now achieve an accuracy rate of 85%.</p>
<div class="lb-trans"><p>在支付安全方面，银联建立了一个智能风险控制系统，显著提高了交易保护的及时性和有效性。人工智能生成的专家风险规则现在的准确率达到 85%。</p>
</div><p>In regard of agentic-based payment solutions, UnionPay is one of the first movers in the industry. Its MCP Agent Payment Service enables users to complete the entire journey from request to payment through conversational interaction.</p>
<div class="lb-trans"><p>在基于代理的支付解决方案方面，银联是行业内的先行者之一。其 MCP 代理支付服务使用户能够通过对话互动完成从请求到支付的整个过程。</p>
</div><p>As China continues to expand visa-free travel policies, UnionPay has also introduced AI-enabled services for inbound visitors. Through its one-stop digital platform—the &#34;Nihao China&#34; app, launched in December 2025—AI is applied to payment guidance, multilingual translation, itinerary planning, and daily life recommendations, offering international travelers a more seamless experience.</p>
<div class="lb-trans"><p>随着中国继续扩大免签旅行政策，银联还为入境游客推出了人工智能支持的服务。通过其一站式数字平台——&#34;你好中国&#34;应用（于 2025 年 12 月推出），人工智能被应用于支付指导、多语言翻译、行程规划和日常生活推荐，为国际游客提供更无缝的体验。</p>
</div><p><strong>From Dialogue to Cooperation: Realizing Long-Term Value in Cross-Border Payments</strong></p>
<div class="lb-trans"><p><strong>从对话到合作：在跨境支付中实现长期价值</strong></p>
</div><p>At its core, UnionPay's practice reflects the spirit of dialogue championed by Davos. By working with local payment systems across markets, UnionPay does not seek to impose a single model or standard, but to find common ground amid diversity—creatively building a more open and inclusive global payments ecosystem.</p>
<div class="lb-trans"><p>从本质上讲，银联的做法反映了达沃斯倡导的对话精神。通过与各市场的地方支付系统合作，银联并不寻求强加单一的模式或标准，而是希望在多样性中找到共同点——创造性地构建一个更加开放和包容的全球支付生态系统。</p>
</div><p>By improving cross-border payment efficiency and lowering transaction costs, UnionPay supports regional economic circulation and enables broader participation by small and medium-sized players, particularly in emerging markets. This cooperation-first, win-win approach aligns closely with the values repeatedly emphasized by the World Economic Forum in an era of uncertainty.</p>
<div class="lb-trans"><p>通过提高跨境支付效率和降低交易成本，银联支持区域经济循环，并使中小型参与者，特别是在新兴市场中的更广泛参与成为可能。这种以合作为先、双赢的方式与世界经济论坛在不确定时代反复强调的价值观高度一致。</p>
</div><p>Looking ahead, UnionPay will continue to use connectivity as a lever to deepen multilateral cooperation and contribute to a more open, inclusive, and sustainable international payments ecosystem—true to its vision of &#34;Trusted Ties, Shared Success.&#34;</p>
<div class="lb-trans"><p>展望未来，银联将继续利用连接性作为杠杆，深化多边合作，为构建一个更加开放、包容和可持续的国际支付生态系统贡献力量——忠实于其 “可信的联系，共享的成功” 的愿景。</p>
</div><p>SOURCE UnionPay International</p>
<div class="lb-trans"><p>来源：银联国际</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://rt.prnewswire.com/rt.gif/query-RGF0ZUlkPTIwMjYwMTIxJk5ld3NJdGVtSWQ9Q042NzkzMSZUcmFuc21pc3Npb25fSWQ9MjAyNjAxMjEwNzQ3UFJfTkVXU19VU1BSX19fX19DTjY3OTMx" alt="" original-src="https://rt.prnewswire.com/rt.gif?NewsItemId=CN67931&amp;Transmission_Id=202601210747PR_NEWS_USPR_____CN67931&amp;DateId=20260121"/></p>

银联在达沃斯：利用连接性和人工智能变革跨境支付