“互联网+”时代的银行卡产业发展趋势探析

Exploration into the Development Tendency of the Bank Card Industry in the Era of "Internet Plus"

"互联网+"时代,银行卡网上交易和虚拟账户支付并存成为支付主流。银行卡在支付形态、安全性和体验性方面具有优势,有利于提高交易效率、降低交易成本。银行卡产业的自组织、协同进化、适应性、网络化特征使其具有良好的生态优势。"银行卡+"时代银联应继续引领银行卡产业发展方向,降低交易成本,防控产业风险,提供全球化的安全、高效、便捷的支付清算服务,加快银行卡产业链价值流动,推动个人支付产业升级。

In the era of of ＂Intemet Plus＂, the online transaction of bank card and virtual adcount payment have become the mainstream of payment. The bank cards have advantages in terms of the payment form, safety and experience, which is conducive to enhancing the transaction efficiency and reducing the transaction cost. The self-organization, coordinated evolution and networked feature of the bank card industry brings it a good ecological advantage. In the era of of＂Internet Plus＂, the UnionPay will continue to lead the development of the bank card industry, reduce the transaction cost, prevent the industry risk, provide globalized, safe, effective and fast payment and settlement service, quicken the flow of bank card industrial chain value and promote the upgrading of personal payment industry.