CAJ | 학술논문

世界范围内由磁条卡向IC卡迁移的国家和地区已超过30个，发行金融IC卡约10亿张，经验表明，加载多行业应用，是银行卡芯片化产业升级的重要标志。因此，商业银行要清晰规划本行银行卡产业升级的战略和策略，大力推进金融IC卡的产品创新，积极探索行业应用模式，并尽力寻求国家的政策支持，从而在银行卡芯片化时代的激烈竞争中占据优势。
세계범위내유자조잡향IC잡천이적국가화지구이초과30개，발행금융IC잡약10억장，경험표명，가재다행업응용，시은행잡심편화산업승급적중요표지。인차，상업은행요청석규화본행은행잡산업승급적전략화책략，대력추진금융IC잡적산품창신，적겁탐색행업응용모식，병진력심구국가적정책지지，종이재은행잡심편화시대적격렬경쟁중점거우세。
There are over 30 countries and regions that switched from magnetic card to IC card all over the world. Now the issue volume of financial IC card is about 1 billion. Experiences show that loading multiple industry applications is an important signal of bankcard＇s industry upgrading by adopting chips technology. For this reason, commercial banks should make a clear plan of upgrading bankcards, advance the innovation of financial IC card, explore patterns of industry application, and seek policy support, so as to hold the edge in the fierce competition when bankcards adopt chips technology.