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許羅德:金融IC卡大規模推廣應用幾點認識

2013/5/24 13:27:31      點擊:

OPE电竞 YOUCITIAOKAXIANGXINPIAN(IC)KAQIANYI,SHIYINXINGKACHANYESHENGJIHUANDAIDEZHONGYAONEIRONGHEZHONGYAOBIAOZHI。DANGQIAN,GUONEIJINRONGICKADAGUIMOTUIGUANGYINGYONGDESHIJIYIJINGCHENGSHU,XIANJIUYOUGUANWENTITANJIDIANRENSHI。

  GUANYUWOGUOJINRONGICKAFAZHAN“WANDAOCHAOCHE”WENTI

  CONGSHIJIEFANWEIKAN,YIYOUXIANGGUANGUOJIAHEDIQUWANCHENGCITIAOKAXIANGICKAQIANYI,BINGJILEILEXUDUOZHIDEJIEJIANDEJINGYAN。JINNIANLAI,WOGUOWEIICKAQIANYIZUOLEHENDUOGONGZUO,TEBIESHIZAIBIAOZHUNZHIDINGTUIGUANG、JISHUXITONGGAIZAO、SHOULIHUANJINGJIANSHE、XINGYEYINGYONG、FAZHANMOSHITANSUODENGFANGMIAN。YINGGAIKANDAO,WOGUODAGUIMOTUIGUANGYINGYONGJINRONGICKAJUYOULIANGHAODEZHENGCEHUANJINGHEJICHUTIAOJIAN。

  CONGZHENGCEFANGMIANKAN,RENMINYINXINGDENGBUMENYIZHIGAODUZHONGSHIJINRONGICKA,CHUTAILEYIXILIEZHENGCEZHICHICUOSHI。CONGSHICHANGFANGMIANKAN,YISHIWOGUORENKOUZHONGDUO,SHICHANGQIANLIJUDA。ERSHIWOGUONIANQINGRENQUNDUIJINRONGCHUANGXIN、ZHIFUCHUANGXINJIESHOUYIYUANQIANG。JINRONGICKAXINGNENGQIANGDA、SHIYONGBIANJIE、TIYANLIANGHAO,YIDINGHUISHOUDAONIANQINGRENQUNDEHUANYING。SANSHIWOGUOJINGJISHEHUIXINXIHUAFAZHANXUNMENG,WEIJINRONGICKAFAZHANCHUANGZAOLELIANGHAODEQIANTIHEJICHU。SISHIXINGYEYINGYONGXUQIUPOQIE。YUELAIYUEDUODEXINGYEXIWANGLIYONGICKACUNCHURONGLIANGDA、CHULIXINXINENGLIQIANGDEYOUSHI,BAXINGYEXINXIJIAZAIDAOICKA,SHIXIANXINGYEGONGNENGYUJINRONGGONGNENGDEYOUJIZHENGHE,GEIMINZHONGDAILAIBIANLI。WUSHIDAGUIMOTUIGUANGYINGYONGDETIAOJIANYIJINGCHENGSHU。QUANGUOXINGSHANGYEYINXINGHE35JIAQUYUXINGYINXINGYIJINGHUOZHENGZAISHISHIICKAXIANGMU。YIYOU200DUOWAN POSZHONGDUANWANCHENGICKASHOULIGAIZAO,2011NIANDIJIBENWANCHENGSUOYOUZHONGDUANGAIZAO;CHAOGUO10WANTAIATMZHONGDUANWANCHENGGAIZAO,2012NIANDIJIANGJIBENWANCHENGSUOYOUATMZHONGDUANGAIZAO。ZHONGGUOYINLIAN2004NIANYIWANCHENGZHUANJIEQINGSUANXITONGGAIZAO,JUBEICHULIJINRONGICKAJIAOYINENGLI。ZHONGGUOYINLIANZAIRENMINYINXINGDEZHIDAOXIA,LIANHEGESHANGYEYINXINGJIANLILEYITAOJINRONGICKABIAOZHUNGUIFANTIXI。

 

ZHONGGUOYINLIANZONGCAIXULUODE

  BUJINRUCI,WOGUOFAZHANJINRONGICKAJUYOUYIDINGHOUFAYOUSHI。JINGWAIYIXIEGUOJIAHEDIQUICKAQIANYICHENGGONG,DUIGUONEIJUYOUYINDAOHESHIFANXIAOYING,YOULIYUJIANGDIICKASHICHANGPEIYUCHENGBEN,TONGSHIKEYIWEIGUONEIICKATIGONGJIEJIAN,SHAOZOUWANLU。TEBIESHIWOGUOYINXINGKAYIXINGCHENGLIANWANGTONGYONG、LIANHEFAZHANDEMOSHI,ICKAKEYIYANYONGZHEYIMOSHI,WEIWOGUOICKAKUAYUESHIFAZHANCHUANGZAOLETIAOJIAN。

  ZONGZHI,JIEJIANGUOJIJINGYAN,FAHUIWOGUOHOUFAYOUSHI,SHIXIANJINRONGICKA“WANDAOCHAOCHE”,BUJINBIYAO,ERQIEKEXING。

  GUANYUJINRONGICKADUOXINGYEYINGYONGWENTI

OPE电竞   CONGGUOJISHANGKAN,ICKAQIANYIDESHOUYAOYUANYINZAIYUTIGAOYINXINGKADEFENGXIANFANGFANNENGLI。WOGUOCHULEKAOLVTONGGUOICKAQIANYIZENGQIANGYINXINGKAFENGXIANFANGFANNENGLIYIWAI,LINGYIGEZHONGYAODEDONGYINSHIKAOLVICKACUNCHURONGLIANGDA,KEYIJIAZAIFENGFUDEXINGYEYINGYONG,JIANGXINGYEGONGNENGYUJINRONGGONGNENGXIANGJIEHE,SHIXIAN“YIKATONGYONG、YIKADUOYONG”。DUOXINGYEYINGYONGYOULIYUZENGQIANGICKAGONGNENG,FENTANICKACHENGBEN,TIGAO ICKAXINGJIABI,YOULIYUSHIXIANBUTONGXINGYEXINXIGONGXIANG,JIANSHAOZHONGFUTOUZI,JIEYUESHEHUIZIYUAN。YINCI,ZAIWOGUO,DUOXINGYEYINGYONGSHIYINGXIANGICKAQIANYIDEGUANJIANYINSU,YESHIICKAQIANYIDEZHONGYAOTESE。

  DANGQIAN,YIFANGMIANYAOZHUAJINTUIDONGYIYOUHEZUODEXINGYEYINGYONGSHANGGUIMO,TEBIESHISHEBAO、TIELU、JIAOTONG、WEISHENG、JIAOYU,YIJIJUNRENBAOZHANGKA。LINGYIFANGMIANYAOJIADAXINXINGXINGYETUOZHANLIDU,TEBIESHIYAOYIRENMINYINXINGQUEDINGDE47GECHENGSHIWEIZHONGDIAN,TUIDONGJINRONGICKAZAIGONGGONGFUWULINGYUDEYINGYONG,CONGKEHUFUWU、YINGYONGYANFA、JISHUSHIXIAN、SHICHANGYINGXIAO、SHANGYEMOSHIDENGFANGMIANCAIQUCUOSHI,WEIICKADEDAGUIMOXINGYEYINGYONGCHUANGZAOTIAOJIAN。

  ZAIJINRONGICKADUOXINGYEYINGYONGGUOCHENGZHONG,YAOCHULIHAOSANFANGMIANDEGUANXI:

  CHULIHAOJINRONGICKADEJINRONGGONGNENGYUXINGYEGONGNENGDEGUANXI。DUOXINGYEYINGYONG,HEXINSHIBAJINRONGFUWUGONGNENGYUXINGYEGUANLIGONGNENGJIAZAIDAOTONGYIZHANGYINXINGKASHANG,SHIJINRONGICKAJIKEYIZAIJINRONGZHONGDUANSHANGSHIYONG,XIANGSHOUJINRONGFUWU,YOUKEYIZAIXINGYEZHONGDUANSHANGSHIYONG,XIANGSHOUXINGYEFUWU,SHIXIANZIYUANGONGXIANG、XINXIGONGXIANG、SHEBEIGONGXIANG、FUWUGONGXIANG。YINGGAICAIQUWUSHICELVE,ANZHAO“YIGEXINGYE、YIZHONGBANFA” DEYUANZE,TANSUODUOFANGGONGYINGDEYEWUMOSHI、SHANGYEMOSHI,NENGZAIXINGYEZHIJIESHIYONGDEJIUZHIJIESHIYONG,NENGGONGXIANGZHONGDUANDEJIUGONGXIANGZHONGDUAN,NENGGONGXIANGKAPIANDEJIUGONGXIANGKAPIAN。

OPE电竞   CHULIHAOJINRONGICKADEGEXINGPEIZHIHEGONGGONGPEIZHIDEGUANXI。BUTONGXINGYEYOUBUTONGDEYINGYONGNEIRONGHEFUWUGONGNENG,YINGGAIGENJUXINGYEXUYAOFAZHANGEXINGPEIZHIHEYINGYONG。DANWEIJIANSHAOZHONGFUTOUZI,JIEYUESHEHUIZIYUAN,FANGBIANYONGHUSHIYONG,YEYINGYANFAGONGGONGPEIZHIHEYINGYONG,WEIMEIZHANGKAPIANSHEJIYIXIEJICHUXING、TONGYONGXINGDEGONGNENGHEFUWU,RUYONGHUGERENSHENFENXINXI、KAPIANJIBENXINXI、KAPIANJIFEN、SHANGLVYUDINGDENGGONGNENG,SHIXIANGEXINGPEIZHIYUGONGGONGPEIZHIXIANGXIEDIAO。

  CHULIHAOJINRONGICKADEXINXIGONGXIANGYUXINXIBAOHUDEGUANXI。CONGQUANSHEHUIJIAODUKAN,JINRONGICKAXINXIYINGJINKENENGSHIXIANBUTONGXINGYEGONGXIANG。DANMEIGEXINGYEDOUYOUZISHENSUQIU,YONGHUYEBUJINXIWANGXINXIWANQUANGONGXIANG,TEBIESHISHEJIYONGHUGERENYINSIDEXINXI。YINCI,BIXUZHENGQUEBAWOXINXIGONGXIANGYUXINXIBAOHUDEGUANXI,GAIGONGXIANGDEGONGXIANG,BUNENGXINGCHENGXINGYEBILEI,RUYONGHUJIBENXINXI、KAPIANJIBENXINXI,GAIBAOHUDEYAOQIESHIBAOHUHAO,FANGZHIYONGHULIYISHOUDAOQINHAI。

  GUANYUJINRONGICKAZIZHUBIAOZHUNZOUCHUQUWENTI

  MUQIAN,JINRONGICKAGUOJISHANGPUBIANCAIYONGDESHIEMVBIAOZHUN。RENMINYINXINGQIANJINIANZAIJIEJIANGUOJIJINGYANDEJICHUSHANG,ZIZHUZHIDINGLEWOGUOJINRONGICKADEJICHUHEHEXINBIAOZHUN《ZHONGGUOJINRONGJICHENGDIANLU(ICKA)GUIFAN》(JIANCHENGPBOCGUIFAN)。SUIZHUWOGUOYINXINGKACHANYEGUOJIHUA,TEBIESHIYINLIANZIZHUPINPAIDEGUOJIHUAFAZHANHEJINRONGICKADAGUIMOTUIGUANGYINGYONG,SHIXIANWOGUOJINRONGICKAZIZHUBIAOZHUNZOUCHUQUZHENGZAICHENGWEIZHONGYAOWENTI。DANGQIAN,YAOZHUZHONGZHUAHAOSANFANGMIANGONGZUO:

OPE电竞   TUIDONGGENGDUOGUOJIAHEDIQUYINGYONGWOGUOJINRONGICKABIAOZHUN。WOGUOJINRONGICKAZIZHUBIAOZHUNYUGUOJIICKABIAOZHUNWANQUANJIANRONG,TUIDONGGENGDUODEGUOJIAHEDIQUCHENGRENWOGUOBIAOZHUN,JIYOUKENENG,YEYOUBIYAO。YIFANGMIAN,KEYIYOUWOGUOYOUGUANBUMENYUQITAGUOJIAHEDIQUJIAQIANGGOUTONG、XIEDIAO,TUIDONGGENGDUODEGUOJIAHEDIQUYINGYONGWOGUOBIAOZHUN。LINGYIFANGMIAN,JIAKUAIYINLIANGUOJIHUABUFA,XUNSUKUODAWOGUOJINRONGICKAZAIJINGWAIDESHOULIMIANHEFAKALIANG,CUJINYOUGUANGUOJIAHEDIQUJIESHOUWOGUOBIAOZHUN,KUODAWOGUOJINRONGICKAZIZHUBIAOZHUNDEYINGXIANGLI。

OPE电竞   TUIDONGWOGUOJINRONGICKAZIZHUBIAOZHUNYUGUOJIBIAOZHUNTONGBUFAZHAN。MIQIEGENZONGEMVBIAOZHUNJINZHANQINGKUANG,ZHENGQUJIANLIYUEMVBIAOZHUNTONGBUFAZHANJIZHI,ZUODAOYUEMVBIAOZHUNTONGBUSHENGJI,WANSHANWOGUOJINRONGICKAZIZHUBIAOZHUNTIXI。

  JIADAXINYIDAIJINRONGICKABIAOZHUNYANFALIDU。ZAIXIANYOUPBOCGUIFANDEJICHUSHANG,JIAKUAIJINRONGICKAYINGYONGBIAOZHUNYANFALIDU,WANSHANICKAXINGYEHEZUO、YIKADUOYONG、QUDAO、ANQUAN、JIANCEDENGBIAOZHUN。YAOQIANGDIAODESHI,KAOLVDAOWOGUOZAIGUOJIJINRONGICKABIAOZHUNFANGMIANDEHUAYUQUANJIAOXIAO,YINGGAIZHUYANCHANGYUAN,JINKUAIZHUSHOUYANJIUXINYIDAIJINRONGICKADEFAZHANFANGXIANG,TONGBUYANFAJIYUXINYIDAIJINRONGIC KADEHEXINHEJICHUBIAOZHUN,ZHENGQUXINGCHENGXIANFAYOUSHI。

  GUANYUJINRONGICKAQIANYIGUODUQIWENTI

  XIANGDUIYUCITIAO,XINPIANZAIFANGFANFENGXIANFANGMIANJUYOUMINGXIANYOUSHI。SHIJIANZHENGMING,YINXINGKAWEIKAQIZHAFENGXIANZAIICKAQIANYIHOUMINGXIANJIANGDI,ERQIEHUICONGWANCHENGICKAQIANYIDEGUOJIAHEDIQUXIANGWEISHISHIQIANYIDEGUOJIAHEDIQUZHUANYI。

OPE电竞   DANYOURENDANXIN,ZAIQIANYIGUODUQI,XINPIAN、CITIAOFUHEKAZAICITIAOKAFENGXIANDEJICHUSHANG,ZENGJIALEICKAFENGXIAN,FUHEKAFENGXIANBICHUNCITIAOKAFENGXIANHUANYAODA。ZHENDUIZHEZHONGDANXIN,SHOUXIANYAOQIANGDIAO,FUHEKASHOULIJIZHISHI,XIANYONGICKAZHANGHUJINXINGJIAOYI,ZHIYOUICKAZHANGHUWUFASHIYONGSHI,CAIHUISHIYONGCITIAOKAZHANGHU,FUHEKADEZONGTIFENGXIANYIDINGBICHUNCITIAOKADI。WEIJIEJUEYISHANGDANXIN,HUANYINGCHONGFENFAHUIICKAANQUANXINGQIANGDEYOUSHI,ZONGHECAIQUCUOSHI,DIAODONGYONGHUSHIYONGJINRONGICKAJIJIXING。

OPE电竞   JINKUAICHUTAIICKAWEIKAFENGXIANZHUANYIZHENGCE。CONGGUOJIJINGYANKAN,ICKAWEIKAFENGXIANZHUANYIZHENGCESHITUIDONGICQIANYIDEYOUXIAOCUOSHI。GUONEIYINGJINKUAICHUTAILEISIZHENGCE,HELIJIEDINGICQIANYIHOUYOUGUANGEFANGDEFENGXIANZEREN,JIRUGUOFASHENGWEIKAFENGXIAN,YINGYOUWEISHISHIQIANYIDEYIFANGCHENGDANSUNSHI,DIAODONGSHICHANGXIANGICKAQIANYIDEJIJIXING。

OPE电竞   QIANGHUAICKAANQUANCHANPINYANFA。CHIXUJIANKONGJINRONGICKAFENGXIAN,YANJIUSHEJIXINPIAN、CITIAOQUGE,QUBIEXIANGSHOUBUTONGFUWUDEJINRONGICKACHANPIN,SHENRUWAJUEICKAANQUANXINGQIANGDEYOUSHI,JIJIANGDIICKASHOULIHUANJINGBUNENGTONGBUGAIZAODAOWEICUNZAIDEGUODUQIFENGXIAN,YOUCUJINCHIKARENSHIYONGJINRONGICKA。

  QIANGHUAJINRONGICKAANQUANTEXINGXUANCHUAN。CAIYONGDUOZHONGXINGSHI,TONGGUOFAKAJIGOU、MEITIJICHIKARENKOUBEIXIANGCHUAN,TIGAOQUANSHEHUIDUIICKAANQUANXINGDERENZHIDU,CUJINCHIKARENSHENQINGSHIYONGJINRONGICKA。(BENWENZHUANZI“JINRONGICKATUIGUANGYUYINGYONGYANTAOHUI”。)(WEN/ZHONGGUOYINLIANZONGCAI XULUODE)

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