抚州| 肥东| 定兴| 文水| 池州| 内丘| 巩留| 林芝镇| 凤翔| 辽中| 内黄| 西平| 广平| 横山| 嘉峪关| 洛阳| 久治| 合川| 丰台| 雅安| 沁水| 商城| 利辛| 大龙山镇| 阿合奇| 玉屏| 龙川| 英德| 民乐| 盐城| 桂阳| 歙县| 延川| 云霄| 丹棱| 洪雅| 金门| 金沙| 嘉峪关| 商南| 平谷| 江源| 昌平| 泗水| 文安| 宁陵| 本溪市| 班玛| 松原| 白云矿| 新宾| 晋州| 腾冲| 云县| 红古| 娄底| 双流| 信阳| 榆中| 兖州| 察哈尔右翼后旗| 习水| 滕州| 清原| 三明| 济南| 辰溪| 宣化区| 岳普湖| 宜秀| 浪卡子| 广水| 濮阳| 衡南| 台南县| 鲁甸| 邢台| 陈仓| 澧县| 曲周| 西昌| 增城| 姚安| 新宾| 遂平| 神农顶| 台前| 曲松| 尼勒克| 浦北| 丰城| 招远| 普洱| 吉首| 昂仁| 瑞安| 岱山| 汝州| 崇明| 陆川| 新巴尔虎左旗| 秦皇岛| 定陶| 墨玉| 太湖| 忠县| 八宿| 章丘| 休宁| 天水| 全南| 汕尾| 惠山| 富顺| 信丰| 旅顺口| 太和| 广丰| 阎良| 怀化| 南山| 柞水| 大余| 齐齐哈尔| 呼图壁| 巫溪| 永宁| 大新| 大余| 长阳| 称多| 朝阳市| 杭锦旗| 满城| 丹凤| 柞水| 文县| 师宗| 零陵| 洞口| 营山| 南昌市| 兰坪| 西乡| 广饶| 昆山| 五通桥| 吉安县| 寻乌| 沂源| 道真| 革吉| 阜新市| 玛多| 玉龙| 淄博| 桓台| 科尔沁左翼中旗| 涿鹿| 赞皇| 青川| 来凤| 盈江| 攀枝花| 克什克腾旗| 黄陂| 薛城| 黄埔| 天祝| 洞口| 龙岩| 那坡| 新密| 成都| 浚县| 精河| 满城| 九龙坡| 石棉| 南投| 灵璧| 旌德| 固始| 玉田| 山阳| 化德| 铁岭市| 南票| 成安| 五华| 恭城| 陇县| 宝应| 理塘| 襄阳| 诸城| 惠山| 芒康| 马祖| 屏边| 龙州| 彭阳| 普陀| 青铜峡| 伊宁县| 鹰潭| 乌什| 施秉| 怀安| 辛集| 陇南| 藁城| 志丹| 犍为| 长白| 南县| 襄垣| 岗巴| 湖口| 睢宁| 八一镇| 怀柔| 玛沁| 印台| 本溪市| 汉阳| 凤冈| 凤庆| 丹阳| 赤峰| 偃师| 睢县| 弥渡| 汾西| 四方台| 普洱| 凤县| 咸阳| 涞源| 上饶市| 丹凤| 吉县| 韶山| 宜兰| 敦化| 荆门| 清原| 婺源| 曹县| 金口河| 满城| 南丹| 江永| 蒲城| 廉江| 济南| 成安| 正蓝旗| 娄烦| 密山| 保康| 清苑| 麦积|

材料学院第十五届“我的青春在西科”大学生涯...

2019-07-24 06:12 来源:中华网

  材料学院第十五届“我的青春在西科”大学生涯...

  AstagephotoofSilkRoad,FlowerRain.()AstheSilkRoadweaveditswaythroughAsiaduringtheTangDynasty(618-907),linkingamyriadofculturesthroughtrade,,FlowerRain,aspectacularsetoffolkdancesfirstperformedin1979tocelebratethe30thanniversaryofthefoundingofthePeoplesRepublicofChina,makesuseofChineseandPersianmotifstotellastoryoflove,,amonth-longculturalcelebrationfêtingcountriesparticipatingintheBeltandRoadInitiative,,inclusivethemesofconnectivityandfriendship,thedancedramawasaperfectencapsulationofthefestivalsthemeandanexcellentuseoftheTianqiaoPerformingArtsCenter,SilkRoadfollowspainterZhangShenbi,hisdaughterYingniangandthePersianmerc,apsMogaoCavesserveasinspirationforthedancedrama,andduringoneactitisrevealedZhangcreatedtheseworkswhileservingoutanunfai,lettingtheirbodiesserveasconduitsfortheirartistry.FolkartistZhangBinmakesdoughfigurinesinanintangibleculturalheritagefairinShenyang,capitalofnortheastChinasLiaoningProvince,June9,ritageDayonSaturday.(Xinhua/YaoJianfeng)PeoplevisitChineseculturalheritageartexhibitioninGuangzhou,southChinasGuangdongProvince,June9,ritageDayonSaturday.(Xinhua/LuHanxin)ApersonvisitsChineseculturalheritageartexhibitioninGuangzhou,southChinasGuangdongProvince,June9,ritageDayonSaturday.(Xinhua/LuHanxin)InkstoneamateurscompeteinaninkstonecarvingcontestinWuyuan,eastChinasJiangxiProvince,June9,ritageDayonSaturday.(Xinhua/SongZhenping)AchildgetshissugarpaintinginanintangibleculturalheritagefairinShenyang,capitalofnortheastChinasLiaoningProvince,June9,ritageDayonSaturday.(Xinhua/YaoJianfeng)AfolkartistcommunicateswithonlineaudienceinnorthChinasTianjinMunicipality,June9,ritageDayonSaturday.(Xinhua/LiRan)

2008年全国银行卡跨行交易金额达到万亿元,是银联成立前2001年的50倍。TheconsensusesreachedduringeconomicandtradeconsultationsbetweenChinaandtheUnitedStatesmeettheinterestsofthepeopleofthetwocountriesandwholeworld,,justreturnedfromtheUnitedstates,referredtothetalksas"positive,pragmatic,andproductive"tofurtheradvanceall-roundpragmaticcooperationat,governorofAlaskaandJohnSanchez,lieutenantgovernorofNewMexico,trade,investment,greendevelopmentandpeople-to-peopleexchangesatthelocallevel,,ForeignMinistryspokespersonLuKangtoldadailynewsbriefingthatChinaexpectsnofurtherreversalsintradeandeconomictieswiththeUnitedStates."Ifthegovernmentsofthetwocountriesreachagoodagreementandresultsthatareacceptabletoboth,,wedonotwanttoseeanyreversal,",thefundamentalreasonwhybothnationshavebeenabletomanagedisputeshasbeenthattherelationshipisinthebestinterestofbothcountriesandtheirpeople,headded.",whicharemutuallybeneficialandwin-wininnature,willplayamoreeffectiverole,"saidthespokesperson.  

  银联:中国银联是经国务院同意,中国人民银行批准设立的中国银行卡联合组织,成立于2002年3月,总部设于上海。ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)ChenZhe,aresearcherwiththeNanjingInstituteofGeologyandPaleontologyattheChineseAcademyofSciences,showstheearliestknownfootprintsleftbyananimalonearth,whichdatebackatleast541millionyears,inNanjing,JiangsuProvince,June7,StatesfoundthetracksintheThreeGorgesareaandpublishedtheirreportintheUSjournalScienceAdvances.(Photo:ChinaNewsService/YangBo)

  Chinasfirstbio-safetylaboratoryforresearchintohighlycontagiousvirusessuchasEbolawillgointooperationbytheendofthisyear,,knownasP4laboratory,hasobtainedauthorizationfromtheChinaNationalAccreditationServiceforConformityAssessmentafteritwasinauguratedin2015,YuanZhiming,directoroftheWuhanbranchoftheChineseAcademyofSciences,velofbiohazard,suchasEbola,theLassafevervirusandMarburgvirusdisease,Yuansaid."Pathogensandviruseswithhightoxicitycouldresultindeathinbothhumansandlivestock,,thereisanurgentneedtostudythem,",,liquidandsolidwastefromthelaboratorywillbeprocessedtopreventtheleakoffatalviruses,respiratorysystemsresemblingspacesuits,  TeachersencourageexamineesatanexamvenueinGuiyang,capitalofsouthwestChinasGuizhouProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/TaoLiang)ExamineeswaittoenteranexamvenueatLhasaMiddleSchoolinLhasa,capitalofsouthwestChinasTibetAutonomousRegion,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LiuDongjun)AteacherdistributesIDcardsandstationerytoexamineesatanexamvenueinChengdu,capitalofsouthwestChinasSichuanProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/JiangHongjing),capitalofeastChinasAnhuiProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ZhangDuan)AstaffmemberchecksthecredentialsofexamineesatanexamvenueinBeijing,capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/LuoXiaoguang)AnexamineeclapshandswithherteacherbeforeenteringanexamvenueinXian,capitalofnorthwestChinasShaanxiProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ZhangBowen)ExamineesenteranexamvenueatHainanMiddleSchoolinHaikou,capitalofsouthChinasHainanProvince,June7,mination,whichtakesplacefromJune7to8.(Xinhua/GuoCheng)AstudentencouragesexamineesatanexamvenueinBeijing,capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan),capitalofChina,June7,mination,whichtakesplacefromJune7to8.(Xinhua/ShenBohan)

sileprograms,vowingto,-basedconservativethinktank,"newIranstrategy,"i,PompeosaidIranmustreporttotheInternationalAtomicEnergyAgencyaboutitsnuclearprogram,endtheproliferationofitsmissiles,andstopsupporting"terroristgroups"intheMiddleEast."ngaroundtheworldandcrushthem,"saidPompeo."IranwillneveragainhavecarteblanchetodominatetheMiddleEast.",Pompeosaid"thesewillbethestrongestsanctionsinhistorybythetimewearedone.""Thestingofsanctionswillonlygrowmorepainfuliftheregimedoesnotchangecoursefromtheunacceptableandunproductivepathithaschosen,"hesaid."WewillalsoensureIranhasnopossiblepathtoanuclearweapon--ever."PompeosaidthattheUnitedStateswantedabetterdealtoaddressitsconcernsonIran."AnynewdealmustbeginwithdefiningwhattheworldshoulddemandfromIran,"hesaid."Americadidnotcreatethisneedforchangedbehavior,Irandid."OutliningthebidtoestablishaninternationalcoalitiontopressureIran,Pompeosaid"wewantsupportofourmostimportantalliesandpartnersintheregionandaroundtheglobe.""Wewelcomeanynationwhichissickandtired"ofIransbehavior,henoted,ad,"thehighestlevel"ofeconomicsanctionsonTehranandinflictpunishment"sanctions,orities."TheUnitedStatesEuropeanallies,whichhavemanyeconomiclinkswithTehran,cepttheUnitedStatesplayingtheroleofthe"worldseconomicpolice,""vassals"that"obeydecisionstakenbytheUnitedStateswhileclingingtothehemoftheirtrousers.""breaksthetrustintheinternationalorder."Althoughthedealwasfarfromidealandmanyissuesstillremainunresolved,,,Chine"inthelong-termandoverallsituationinaresponsiblemanner,persistinsolvingandmanagingdifferencesthroughpoliticalanddiplomaticmeans,andreturnassoonaspossibletothecorrecttrackofcontinuingtoimplementthecomprehensiveagreement.""Abigger,betterdealisapipedream,"saidRobertEinhorn,aformerStateDepartmentofficialandnon-proliferationexpert,s"realobjectiveisnotreallyabigger,better,deal,therealobjectiveistoputimmensepressureonIran",Einhornpredictedthat"newsanctionswontbeascripplingasthoseputinplacein2012,"partlybecauseothercountries"stronglyoppose"Trumpsdecisiontoabrogatethedeal."Othercountrieswilldefyorignoresanctions,andlookforworkarounds,"Einhornsaid.  

  银联支付流程:进入订单页面选择银联完成订单选择银行卡付款选择支付银行输入银行卡信息确认完成。

  AerialphototakenonJune1,2018showstheQingdaoJiaozhouBayBridgeinQingdao,eastChinauangdaodistrict.(Xinhua/GuoXulei)AerialphototakenonJune1,2018showstheQingdaoJiaozhouBayBridgeinQingdao,eastChinauangdaodistrict.(Xinhua/GuoXulei)AerialphototakenonJune1,2018showstheQingdaoJiaozhouBayBridgeinQingdao,eastChinauangdaodistrict.(Xinhua/GuoXulei)AerialphototakenonJune1,2018showstheQingdaoJiaozhouBayBridgeinQingdao,eastChinauangdaodistrict.(Xinhua/GuoXulei)AerialphototakenonJune1,2018showstheQingdaoJiaozhouBayBridgeinQingdao,eastChinauangdaodistrict.(Xinhua/GuoXulei)ItisoftensaidthattheUnitedStatesexperiencestradedeficitsinpartbecauseoflowwagesabroadandbecauseforeigngovernmentsunfairlysubsidizecertainindustries,therebycreatingan"unlevelplayingfield".scurrentaccountisdefinedasthesumof:(a)thebalanceoftradeinmerchandiseandservices;(b)netfactorincome(whatAmericanworkers,firmsandinvestorsearnabroadminuswhatforeignworkers,);and(c)netinternationaltransferpayments(,includingforeignaid).Inrecentyears,item(b)hasbeenasmallpositive(about$50billionperyear)anditem(c)hasbeennegativeofabitmorethan$,items(b)and(c)tendtooffseteachother,,inturn,hasexistedbecauselargemerchandisetradedeficitsareonlypartiaountryequalstotalincomeinthatcountry,calledgrossnationalincome(GNI)minustotalexpenditureinthatcountry,grossnationalexpenditure(GNE).Conceptually,acurrentac,itshedslightonthemistakenideathatimporttariffsand/orinducingforeigngovernmentsto"playfair"$40,000peryearaftertaxes,butyouspend$50,,youhaveabudgetdeficitof$10,ngthanyourincomeallows—tores,butnotonproductsfromotherstores,,ifyouweredeterminedtomaintainyour"highlivingstyle"afterthehighsalestaxeswerelevied,thenyouwouldhavetospendmorethanever,,(includinghouseholds,firmsandgovernmentsatalllevels),,,,historicallytheJapanesehavesavedmorethan20percentoftheirincomes,,totaloutlays(governmentpurchasesplustransferpayments),Americanswantthefederalg,,ifhouseholdssavedsignificantlymore,thiscouldoffsetthegovernmentbudgetradeandcurrentaccountdeficitsbyperhapsimposinghightariffsonimportsfromafewcountries(suchasMexicoandChina)isequivalenttotry!,inpart,becauseforeigngovernmentsunfairlyhelptheirfirms,therebyenablingthemtosellatrelativelylowpricesTotheextentthatunfaircompetitionexists,thisharmsth,,thiswouldincreasethepricesAmericanspayforsomeimports,:"Well…nowthatimportsaremoreexpensive,,letsvoteforpoliticianswhowillspendlessandtaxusmore!"Alogicalquestionis"/oralevelplayingfieldmakeimportsmoreexpensive,thenwhywontthetradedeficitgetsmaller"Theansweristhatimportswillimproveinitially,,inturn,will(a)partiallyoffsetanincreaseinimportpricesfromtariffsand(b)(Ifittakesmoreyuan,yenoreurostobuyonedollar,)Theoverallneteffectofhigherimporttariffsandtheappreciationofthedollarwillbefewerimports,,!:(a)getAmericanstosaveahigherpercentageoftheirincomesand/or(b),Ohio.  

  在建设和运营银联跨行交易清算系统、实现银行卡联网通用的基础上,中国银联积极联合商业银行等产业各方推广统一的银联卡标准规范,创建银行卡自主品牌;推动银行卡的发展和应用;维护银行卡受理市场秩序,防范银行卡风险。

  银联:中国银联是经国务院同意,中国人民银行批准设立的中国银行卡联合组织,成立于2002年3月,总部设于上海。Thevillagehasfewerthan100permanentresidents,butatleast60ofthemareyogaenthusiasts.(PhotobyZhaoZhannan/forChinaDaily)HealthierresidentslesslikelytobeoverwhelmedwithmedicalbillsVill,52,ishelpingpopularizetheexerciseforminanimpoverishedvillageinHebeiprovince,,m,whospenttwodecadesasamusicteacheratacollegeinShijiazhuang,theHebeicapital,wassenttoYugsfortunesaroundforavarietyofreasonsbeyondhiscontrol."The,"Lusaid.

  支付宝直接付款流程:进入订单页面选择支付宝付款点击去支付宝付款选择直接付款选择支付银行并输入Email输入银行卡信息确认完成。

  AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)AcollectionofvintagevehiclesisondisplayattheOldVehiclesCulturalMuseuminTaiyuanCity,ShanxiProvince,June7,,motorcycles,andtractorsfrommorethantencountries,with90percentofthemstillabletostart.(Photo:ChinaNewsService/WuJunjie)

  AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)StudentspracticebasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)StudentspracticebasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)AteacherteachesstudentsbasicperformingactionsofChinesedramaataprimaryschoolinNeiqiuCounty,northChinasHebeiProvince,June8,ritingtraditionalChineseculture.(Xinhua/ZhuXudong)AstagephotoofSilkRoad,FlowerRain.()AstheSilkRoadweaveditswaythroughAsiaduringtheTangDynasty(618-907),linkingamyriadofculturesthroughtrade,,FlowerRain,aspectacularsetoffolkdancesfirstperformedin1979tocelebratethe30thanniversaryofthefoundingofthePeoplesRepublicofChina,makesuseofChineseandPersianmotifstotellastoryoflove,,amonth-longculturalcelebrationfêtingcountriesparticipatingintheBeltandRoadInitiative,,inclusivethemesofconnectivityandfriendship,thedancedramawasaperfectencapsulationofthefestivalsthemeandanexcellentuseoftheTianqiaoPerformingArtsCenter,SilkRoadfollowspainterZhangShenbi,hisdaughterYingniangandthePersianmerc,apsMogaoCavesserveasinspirationforthedancedrama,andduringoneactitisrevealedZhangcreatedtheseworkswhileservingoutanunfai,lettingtheirbodiesserveasconduitsfortheirartistry.

  

  材料学院第十五届“我的青春在西科”大学生涯...

 
责编:

银联卡在日盗刷猖獗 中国游客怎么办?

ItisoftensaidthattheUnitedStatesexperiencestradedeficitsinpartbecauseoflowwagesabroadandbecauseforeigngovernmentsunfairlysubsidizecertainindustries,therebycreatingan"unlevelplayingfield".scurrentaccountisdefinedasthesumof:(a)thebalanceoftradeinmerchandiseandservices;(b)netfactorincome(whatAmericanworkers,firmsandinvestorsearnabroadminuswhatforeignworkers,);and(c)netinternationaltransferpayments(,includingforeignaid).Inrecentyears,item(b)hasbeenasmallpositive(about$50billionperyear)anditem(c)hasbeennegativeofabitmorethan$,items(b)and(c)tendtooffseteachother,,inturn,hasexistedbecauselargemerchandisetradedeficitsareonlypartiaountryequalstotalincomeinthatcountry,calledgrossnationalincome(GNI)minustotalexpenditureinthatcountry,grossnationalexpenditure(GNE).Conceptually,acurrentac,itshedslightonthemistakenideathatimporttariffsand/orinducingforeigngovernmentsto"playfair"$40,000peryearaftertaxes,butyouspend$50,,youhaveabudgetdeficitof$10,ngthanyourincomeallows—tores,butnotonproductsfromotherstores,,ifyouweredeterminedtomaintainyour"highlivingstyle"afterthehighsalestaxeswerelevied,thenyouwouldhavetospendmorethanever,,(includinghouseholds,firmsandgovernmentsatalllevels),,,,historicallytheJapanesehavesavedmorethan20percentoftheirincomes,,totaloutlays(governmentpurchasesplustransferpayments),Americanswantthefederalg,,ifhouseholdssavedsignificantlymore,thiscouldoffsetthegovernmentbudgetradeandcurrentaccountdeficitsbyperhapsimposinghightariffsonimportsfromafewcountries(suchasMexicoandChina)isequivalenttotry!,inpart,becauseforeigngovernmentsunfairlyhelptheirfirms,therebyenablingthemtosellatrelativelylowpricesTotheextentthatunfaircompetitionexists,thisharmsth,,thiswouldincreasethepricesAmericanspayforsomeimports,:"Well…nowthatimportsaremoreexpensive,,letsvoteforpoliticianswhowillspendlessandtaxusmore!"Alogicalquestionis"/oralevelplayingfieldmakeimportsmoreexpensive,thenwhywontthetradedeficitgetsmaller"Theansweristhatimportswillimproveinitially,,inturn,will(a)partiallyoffsetanincreaseinimportpricesfromtariffsand(b)(Ifittakesmoreyuan,yenoreurostobuyonedollar,)Theoverallneteffectofhigherimporttariffsandtheappreciationofthedollarwillbefewerimports,,!:(a)getAmericanstosaveahigherpercentageoftheirincomesand/or(b),Ohio.  

方艺晓

2019-07-2408:34  来源:经济参考报
 

  随着赴日中国游客增加,越来越多日本商店和ATM机开始接受中国银联卡交易。但刷卡背后的风险,你知道吗?

  目前日本已有近50万商家设置了银联卡终端,全国超过半数的ATM机可用银联卡取现。在很多商场,使用银联卡消费可获得5%乃至更高的折扣优惠。然而,银联卡消费在日本普及并未带动付款设备同步升级。安全支付措施滞后,以致盗刷犯罪在日本频频发生。

  据日经新闻4月中旬报道,东京警视厅组织犯罪对策特别搜查队透露,2016年4月至今年3月,伪造银联卡从ATM机提现的损失额高达32亿日元(约合2亿元人民币)。

  日本警方调查发现,海外犯罪组织有计划地派遣多名提款人前往日本,在短时间内集中提现。被盗刷的钱绝大多数来自中国大陆账户。一些嫌疑人使用伪造银联卡从东京、大阪、福冈、兵库等地的ATM机提现。还有嫌疑人将在其他地区犯罪所得资金,汇入非法复制的游客银联卡账户中,反过来再从日本取现,以完成洗钱过程。

  据介绍,日本银行卡交易的安全措施尚不完备,安全性不够高。目前国际市场上的银行卡主要分为IC芯片卡、磁条卡以及芯片磁条复合卡。其中,芯片卡的安全性最高。然而,由于芯片卡支付终端及ATM机读卡器更加昂贵,日本很多商家,尤其是中小零售业者,尚未采取芯片卡交易方式,只接受安全性低的磁条卡交易。日本一些ATM机虽已实施IC迁移改造,但因技术规范与国际不同,部分海外卡只能使用磁条卡在日本取现。不法分子看准这些安全漏洞,使用容易伪造的磁条卡在日本犯罪。

  日本正加紧改造ATM机,预计今秋改造好7万至8万台,以供境外卡取现。届时,游客可直接使用IC芯片卡进行支付和取现,安全程度将大幅提高。日本经济产业省也宣布,争取在2020年完成绝大部分日本商户的支付终端升级。

  为打击非法取现,日本多家银行2016年下调银联卡提现上限。一些银行先是将磁条卡的单次取现上限从10万日元(6143元人民币)降至5万日元(3071元人民币),最近又降至3万日元(1843元人民币)。

  如何在境外安全使用银行卡?

  首先,使用芯片磁条复合卡。根据技术规范和相关检测,芯片卡能读取出的信息非常有限,无法用来制造伪卡,卡片被盗刷的可能性极低。中国国内已基本完成由磁条卡向芯片卡的升级,但其他一些国家仍在升级中,可能无法受理纯芯片卡。因此,一张芯片磁条复合卡是出境游的必备品。

  其次,注意保护隐私,尽量设置复杂密码。在公共场所刷卡消费时,注意遮挡卡号、密码、信用卡有效期及三位验证码、身份证号等信息,以防犯罪分子用微型摄像机偷窥。

  第三,重视签名。免密交易是一些国家的支付习惯,比如日本、美国和韩国等。就算是设有密码的信用卡,在这些国家消费也可能无须输入密码,而是签字确认。信用卡背面的签名栏一定要填好。在境外,尤其是发达地区的收银员会仔细核对签名,哪怕并不认识汉字。如果发现签名不符,商家有权拒绝交易。

  持卡人还应开通账户金额变动等短信提醒,一旦银行卡被盗刷要及时上报。身在境外,也应保持手机畅通。

  各银行都有盗卡保护机制,但该机制设有时间限制。盗卡保护时间一般是挂失前48小时,最长不超过120小时。目前国内多数银行提供的失卡保障最高额度不低于5000元,通常在1万元至5万元之间。

  如果遭遇盗刷,应在收到消费短信提醒后,立刻向银行挂失、冻结账户和报案。

(责编:李栋、李海霞)

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