央行日前宣布，从明年1月1日起，全国性商业银行均要发行金融IC卡。实际上从去年3月起，央行即全面启动银行磁条卡向IC卡迁移工作，但实际上更换进度缓慢。经济导报记者在采访中了解到，造成缓慢的原因是因为从磁条卡向IC卡转换成本过高，因此银行并不积极。

The central bank has announced，From jan. 1 next year，National commercial Banks are issuing financial IC card。In fact from starting march last year，The central bank is in full swing bank magnetism card to IC card migration work，But actually slow to change。In the interview, the reporter economic herald to know，Slow because caused from magnetic stripe card to the IC card conversion cost is too high，So the bank is not positive。

 金融IC卡只针对高端客户 Financial IC card is only for high-end customers

　　23日，导报记者从人民银行济南分行了解到，截至今年5月，山东省内21.8万台直联POS改造完成率已近100%，3万台间联POS改造完成率达95%以上，山东绝大部分POS机已能够受理金融IC卡。同时，工商银行山东省分行、中国银行山东省分行、建设银行青岛分行、交通银行山东省分行、浦发银行(600000,股吧)济南分行以及浦发银行青岛分行等6家商业银行开始发行金融IC卡，已面向社会公众发卡共计67万余张，其中双界面卡48万张，占发卡量的71.6%。

23，Herald reporter from jinan to understand people's bank branch，So far this year may，Shandong province 218000 Taiwan direct coupling POS transformation completion rate already nearly 100%，30000 between machine league POS modification completion rate of more than 95%，Shandong most POS machine have already been able to accept financial IC card。At the same time，Industry and commerce bank shandong branch、The bank of China, shandong branch、Construction bank Qingdao branch、Traffic bank shandong branch、Shanghai pudong development bank(600000,Shares it)Jinan Qingdao branch and Shanghai pudong development bank branch six home business Banks began to issuing financial IC card，Already facing the social public hairpin total more than 670000 copies，One double interface card 480000 copies，Accounting for 71.6% of the second-largest holder。

　　按照上述说法，导报记者分别尝试从上述银行申领一张金融IC卡，然而多数银行表示，目前他们的金融IC卡只针对高端客户发行。

According to the above statement，Herald reporter from the above bank for respectively to try a financial IC card，However, in most bank says，At present their financial IC card is only for high-end customer issue。

　　在济南市花园路附近的一家工商银行营业部，导报记者询问大堂经理是否可以申请金融IC卡时，大堂经理说，他们只是在中高端客户中少量发行。“财富理财金、杨澜灵通卡等都是金融IC卡，现在我们的柜台上使用IC卡完全没有问题，商场的POS机也没什么大问题，但是整个用卡环境还没建立起来。”

In jinan garden near the road of a industry and commerce bank sales department，Herald reporter asked the lobby manager if you can apply for a financial IC card，The lobby manager said，They just in a small number of high-end customer issue。“Wealth financial gold、Yang LAN "moneylink" card is the financial IC card，Now we use at the counter of the IC card no problem，The stores also no big problem POS，But the whole card environment haven't set up。”

　　交通银行的客户经理吴静告诉导报记者，他们也是在高端客户推广使用金融IC卡。“由于整个用卡环境还没有完善，市民对金融IC卡持中性态度，还没有主动来换的。”吴静笑着说，“你还是第一个来申请的呢。”

Bank of communications customer manager WuJing tell herald reporter，They are also promote the use of high-end clients financial IC card。“Because the whole card environment is not perfect，On the public financial IC card holding a neutral position，Still no active to change。”WuJing said with a smile，“You or the first to apply for。”

　　按照央行确定的换卡时间表显示，2011年6月底前，招商银行(600036,股吧)应开始发行金融IC卡，然而时至今日，该行并没有发行。“我只知道2015年起所有商业银行发行的银行卡都应该是金融IC卡，对于为什么一直没有发行金融IC卡，这要由总行统一部署安排，可能是更换一些配套设施比较麻烦。”该行大堂经理说。

According to the central bank of the timetable for sure that card，By the end of June 2011，China merchants bank(600036,Shares it)Should start issuing financial IC card，But today，The bank did not issue。“I only know since 2015 all commercial Banks issue bank card should be financial IC card，For why there has been no issuing financial IC card，The head office by the unified plan arrangement，May be replaced some facilities more troublesome。”The bank lobby manager said。

　　在一些超市，导报记者注意到POS机确实已经改造成可以受理金融IC卡。“还是刷普通银行的人多一些，金融IC卡，我当班时没有刷过。”在大润发超市，收银员姚磊说。

In some supermarkets，Herald reporter noticed POS machine really has transformed into may accept financial IC card。“Brush or ordinary the person of the bank more..，Financial IC card，I have never brushed whilst on duty。”In the big embellish the supermarket，The cashier YaoLei said。

高成本瓶颈 High cost bottleneck

　　银行方面之所以不愿意推广，其主要原因是投入过高。

Banks are not willing to promotion，The main reason is put into too high。

　　据某银行办公室主任孙益国透露，现在仍旧是磁条卡大行其道，主要原因在于推广IC芯片卡，银行需要承担昂贵的换卡费用，一个区域的预算大约有6000万至7000万元，主要包括线路改造、平台搭建、机器换代。“而更大的原因在于，银行每年都有业绩考核指标，金融IC卡成本的大投入必定使当年考核指标不好看，而收益却不体现在当期业绩里，谁也不愿意在任期内做投入。”

According to some bank director of the office SunYiGuo disclosed，Now is still magnetism card is popular，The main reason is that IC Internet promotion，Banks need to afford expensive for card fees，A region of the budget of about 60 million to 70 million yuan，Mainly includes line transformation、platform、Upgrading machines。“And the reason is that the more big，Bank every year, a performance evaluation index，Financial IC card cost will be the big investment in evaluation index is not good，While the benefits are not reflected in the current performance，No one is willing to do in any period of input。”

　　“现在一张IC卡的成本在20元以上，是每张1元磁条卡成本的20多倍。”孙益国说。

“Now a IC card in the cost of more than $20，Is each 1 yuan magnetism card cost more than 20 times。”SunYiGuo said。

　　“商业银行要讲究风险和收益的平衡，并非越安全越好。希望花10元钱的成本解决1000元的风险问题，而不是投入1000元防范10元钱的风险。”某商业银行风控负责人说。

“Commercial Banks should pay attention to the balance of risks and benefits，Not as safe as possible。Want to spend 10 yuan to solve the cost of money the risk of 1000 yuan，And not spent 1000 yuan guard against the risk of 10 yuan。”A commercial bank of the control。

　　北京科技大学经济管理学院金融工程系主任刘澄认为，金融IC卡的宣传推行需要银行、商家及储户的共同努力。“从目前各大银行的办理程序上看，宣传成本基本没有向储户转嫁，但可能有一部分成本向商家转嫁。银行是推广IC卡的主要的发卡者和受益者，成本应该由银行承担。”

Beijing science and technology university institute of economic management of financial engineering LiuCheng think，Financial IC card in the promotion of the implementation need bank、Businessmen and the joint efforts of the depositors。“From the Banks of the procedure on look，Propaganda costs barely passed on to savers，But there may be part of the cost to businessman passed on。The bank is to promote the main IC card of the hairpin and the beneficiaries，Costs should be by the bank account。”

　　刘澄认为，现在推广金融IC卡的成本比较高，但如果大面积推广开来，成本会大幅下降。“IC卡发行量越多，成本降得越快，我们现在的IC卡平均成本在20块钱左右，发行量过了10亿张以后，成本可能就降为1块钱了。”

LiuCheng think，Now promotion financial IC card cost more，But if the widespread to spread，The cost will drop significantly。“The more IC card circulation，The faster the cost down，We now IC card average cost in 20 yuan，Circulation after the 1 billion zhang later，Cost may be reduced to 1 yuan。”