欠发达地区金融IC卡推广应用情况调查与思考

The Investigation and Reflection on the Popularization and Application of Financial IC Cards in Less Developed Areas

"十一五"期间,银行卡产业实现了跨越式发展,联网通用工作不断深化,应用环境得到根本改善,银行卡成为社会大众使用最广泛的非现金支付工具。"十二五"期间,金融IC卡的发展,成为电子商务的一支生力军。全面推进金融IC卡应用,有利于提高银行卡整体风险防控能力,促进城市信息化、行业信息化与金融信息化的结合,实现"一卡多用",带动银行卡产业升级。本文以武威市为例,就金融IC卡应用现状、拓展途径、面临问题进行调查分析,并提出实施建议。

During the period of＂11th five-year plan＂, the bank card industry has achieved a leap-forward development. Due to the deepening of the networking, the application environment has been fundamentally improved, so bank cards have become the most widely used non-cash payment instruments of the public. During＂12th five-year plan＂, the development of financial IC cards has become the force of the electronic commerce. Comprehensively promoting financial IC cards＇ application is propitious to enhance the overall risk control ability of bank cards, promote the combination of the city information, industry information and financial information, and realize the upgrading of the bank card industry by means of＂one card with multi-purpose＂. Taking Wuwei city as the example, the paper analyzes the application status, development ways and problems of financial IC cards and puts forward proposals.