導語：便民繳費領域金融IC卡運用一文(wen)來(lai)源于網友上傳(chuan)，不代表本站觀(guan)點，若需要原創文(wen)章可咨(zi)詢客(ke)服老師，歡迎參考。

新余是全國47個金融IC卡在公共服務領域應用推廣試點城市之一，項目啟動至今，新余中支作為項目建設的主要承建部門，進行了大量的組織協調工作，目前在與公交、水務、供電、燃氣、通信等行業的應用合作方面取得了重大突破。本文將就新余市金融IC卡在便民繳費領域的(de)應用模(mo)式(shi)進行介紹。

一、項目概述

新余市金融ic卡(ka)應(ying)用(yong)(yong)以(yi)“新余市城(cheng)(cheng)市公(gong)(gong)(gong)眾(zhong)一卡(ka)通(tong)(tong)”項(xiang)目建(jian)設(she)為載體，以(yi)“統一標準、銀行(xing)主導(dao)、行(xing)業(ye)合(he)作、多功(gong)能應(ying)用(yong)(yong)”為發(fa)展(zhan)原則，以(yi)保障公(gong)(gong)(gong)眾(zhong)用(yong)(yong)卡(ka)安全、促進社(she)(she)會(hui)成本節約為宗(zong)旨，以(yi)拓(tuo)展(zhan)金融(rong)IC卡(ka)的(de)(de)(de)多行(xing)業(ye)應(ying)用(yong)(yong)為重點，在(zai)整合(he)公(gong)(gong)(gong)交、水(shui)務(wu)(wu)、燃氣(qi)、供電、電信、移動、聯(lian)通(tong)(tong)和(he)出租等行(xing)業(ye)應(ying)用(yong)(yong)的(de)(de)(de)基礎(chu)上，由商業(ye)銀行(xing)發(fa)行(xing)符合(he)PBOC2.0標準的(de)(de)(de)銀行(xing)卡(ka)，實現市民日常(chang)消費和(he)公(gong)(gong)(gong)共便民服(fu)務(wu)(wu)。整個(ge)項(xiang)目建(jian)設(she)分三(san)個(ge)階(jie)段(duan)(duan)進行(xing)。第(di)一階(jie)段(duan)(duan)是(shi)(shi)在(zai)傳統金融(rong)支付領域(yu)和(he)公(gong)(gong)(gong)交、水(shui)、電、燃氣(qi)、通(tong)(tong)信等行(xing)業(ye)繳費領域(yu)的(de)(de)(de)推(tui)廣使用(yong)(yong)。第(di)二階(jie)段(duan)(duan)是(shi)(shi)在(zai)出租車(che)行(xing)業(ye)、醫保、社(she)(she)保、公(gong)(gong)(gong)積(ji)金、社(she)(she)會(hui)救助、社(she)(she)會(hui)福利等方面實現與(yu)城(cheng)(cheng)市公(gong)(gong)(gong)眾(zhong)一卡(ka)通(tong)(tong)對接。第(di)三(san)階(jie)段(duan)(duan)是(shi)(shi)進一步(bu)拓(tuo)展(zhan)城(cheng)(cheng)市公(gong)(gong)(gong)眾(zhong)一卡(ka)通(tong)(tong)使用(yong)(yong)范圍，將其小(xiao)額支付推(tui)廣到各行(xing)各業(ye)。

二、行(xing)業繳費業務現(xian)狀

新余公(gong)(gong)共(gong)事業(ye)(ye)(ye)(ye)(ye)(ye)(ye)繳(jiao)(jiao)費(fei)大(da)都由銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)，此項業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務已經導(dao)致擠(ji)占柜臺(tai)(tai)資源(yuan)、交易(yi)量少、業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務收益低等諸多(duo)問題(ti)，無論是銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)還是行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)單位(wei)，都有(you)意愿(yuan)借助銀(yin)(yin)(yin)(yin)(yin)(yin)聯(lian)的(de)(de)跨行(xing)(xing)(xing)(xing)轉(zhuan)接(jie)(jie)平臺(tai)(tai)，在(zai)其他(ta)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)和(he)專業(ye)(ye)(ye)(ye)(ye)(ye)(ye)化(hua)服務機(ji)構的(de)(de)終端上開通業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務查詢和(he)繳(jiao)(jiao)費(fei)功能，實(shi)現(xian)“資源(yuan)共(gong)享，收益均沾”。經調研(yan)，目(mu)前新余市(shi)各(ge)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)商戶已與(yu)當地大(da)部分銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)系(xi)(xi)(xi)統(tong)(tong)進(jin)行(xing)(xing)(xing)(xing)對接(jie)(jie)，可(ke)以(yi)滿足行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)繳(jiao)(jiao)費(fei)的(de)(de)基本(ben)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)務需(xu)求。但所有(you)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)(de)代繳(jiao)(jiao)公(gong)(gong)用(yong)(yong)事業(ye)(ye)(ye)(ye)(ye)(ye)(ye)費(fei)用(yong)(yong)系(xi)(xi)(xi)統(tong)(tong)，均需(xu)按照公(gong)(gong)用(yong)(yong)事業(ye)(ye)(ye)(ye)(ye)(ye)(ye)繳(jiao)(jiao)費(fei)單位(wei)系(xi)(xi)(xi)統(tong)(tong)接(jie)(jie)口標(biao)準(zhun)進(jin)行(xing)(xing)(xing)(xing)改(gai)造對接(jie)(jie)。基于不增(zeng)加系(xi)(xi)(xi)統(tong)(tong)改(gai)造成(cheng)本(ben)的(de)(de)考慮，公(gong)(gong)用(yong)(yong)事業(ye)(ye)(ye)(ye)(ye)(ye)(ye)單位(wei)在(zai)做繳(jiao)(jiao)費(fei)系(xi)(xi)(xi)統(tong)(tong)一點(dian)式接(jie)(jie)入(ru)銀(yin)(yin)(yin)(yin)(yin)(yin)聯(lian)清算(suan)系(xi)(xi)(xi)統(tong)(tong)時，都要(yao)求銀(yin)(yin)(yin)(yin)(yin)(yin)聯(lian)按照其接(jie)(jie)口標(biao)準(zhun)進(jin)行(xing)(xing)(xing)(xing)改(gai)造。為實(shi)現(xian)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)接(jie)(jie)入(ru)，新余的(de)(de)做法是在(zai)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)應用(yong)(yong)與(yu)銀(yin)(yin)(yin)(yin)(yin)(yin)聯(lian)的(de)(de)多(duo)渠道(dao)平臺(tai)(tai)間建立一個行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)接(jie)(jie)入(ru)平臺(tai)(tai)，將各(ge)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)的(de)(de)繳(jiao)(jiao)費(fei)信息通過此平臺(tai)(tai)統(tong)(tong)一按銀(yin)(yin)(yin)(yin)(yin)(yin)聯(lian)接(jie)(jie)口規范和(he)標(biao)準(zhun)接(jie)(jie)入(ru)銀(yin)(yin)(yin)(yin)(yin)(yin)聯(lian)轉(zhuan)接(jie)(jie)清算(suan)系(xi)(xi)(xi)統(tong)(tong)的(de)(de)多(duo)渠道(dao)平臺(tai)(tai)，銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)的(de)(de)柜面系(xi)(xi)(xi)統(tong)(tong)、ATM、POS等則可(ke)通過接(jie)(jie)入(ru)多(duo)渠道(dao)平臺(tai)(tai)獲取各(ge)類行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)(ye)(ye)繳(jiao)(jiao)費(fei)信息，實(shi)現(xian)跨行(xing)(xing)(xing)(xing)刷卡繳(jiao)(jiao)費(fei)交易(yi)。

三、技術架構

中國銀(yin)聯(lian)第二(er)代多渠(qu)道系(xi)統(tong)(tong)，為整合各(ge)地公(gong)共事業(ye)(ye)(ye)單位等(deng)行(xing)(xing)業(ye)(ye)(ye)資源、構建(jian)銀(yin)聯(lian)便民(min)服務(wu)平臺(tai)、實現便民(min)服務(wu)內(nei)(nei)容(rong)和(he)渠(qu)道的(de)互(hu)聯(lian)互(hu)通(tong)(tong)提供(gong)了技術條(tiao)件。在(zai)首(shou)先解決行(xing)(xing)業(ye)(ye)(ye)內(nei)(nei)容(rong)接(jie)入，實現電話支(zhi)付(fu)(fu)業(ye)(ye)(ye)務(wu)和(he)自(zi)助(zhu)設(she)(she)備支(zhi)付(fu)(fu)業(ye)(ye)(ye)務(wu)的(de)基(ji)礎(chu)上(shang)，將在(zai)互(hu)聯(lian)網、電話支(zhi)付(fu)(fu)、手(shou)機支(zhi)付(fu)(fu)、自(zi)助(zhu)繳(jiao)費(fei)終端、有線電視(shi)機頂盒等(deng)多個渠(qu)道全面開(kai)通(tong)(tong)公(gong)用(yong)事業(ye)(ye)(ye)繳(jiao)費(fei)業(ye)(ye)(ye)務(wu)，方便持卡人繳(jiao)納(na)各(ge)項費(fei)用(yong)。一卡通(tong)(tong)便民(min)繳(jiao)費(fei)系(xi)統(tong)(tong)的(de)關(guan)鍵是行(xing)(xing)業(ye)(ye)(ye)接(jie)入平臺(tai)的(de)建(jian)設(she)(she)，其主要功(gong)能(neng)(neng)一是通(tong)(tong)訊功(gong)能(neng)(neng)，與所有行(xing)(xing)業(ye)(ye)(ye)、銀(yin)聯(lian)總公(gong)司進(jin)(jin)行(xing)(xing)通(tong)(tong)訊，傳(chuan)遞報(bao)文(wen)(wen)。二(er)是報(bao)文(wen)(wen)轉(zhuan)換功(gong)能(neng)(neng)，將各(ge)個行(xing)(xing)業(ye)(ye)(ye)不同(tong)的(de)接(jie)口報(bao)文(wen)(wen)轉(zhuan)換為銀(yin)聯(lian)統(tong)(tong)一報(bao)文(wen)(wen)。三是對(dui)賬功(gong)能(neng)(neng)，與銀(yin)聯(lian)、銀(yin)行(xing)(xing)和(he)各(ge)行(xing)(xing)業(ye)(ye)(ye)商戶進(jin)(jin)行(xing)(xing)對(dui)賬。四(si)是數據統(tong)(tong)計(ji)(ji)功(gong)能(neng)(neng)，對(dui)行(xing)(xing)業(ye)(ye)(ye)商戶的(de)繳(jiao)費(fei)情況(kuang)按要求進(jin)(jin)行(xing)(xing)統(tong)(tong)計(ji)(ji)分析。

四、行業接入銀聯(lian)模式的分析

目(mu)(mu)(mu)前行(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)接(jie)(jie)(jie)入(ru)銀(yin)(yin)(yin)聯(lian)(lian)(lian)(lian)(lian)多(duo)渠道平(ping)臺的(de)(de)(de)(de)(de)模(mo)(mo)(mo)式(shi)(shi)一般有3種(zhong)(zhong)。第(di)一種(zhong)(zhong)是(shi)銀(yin)(yin)(yin)聯(lian)(lian)(lian)(lian)(lian)直接(jie)(jie)(jie)與(yu)(yu)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)單位(wei)系(xi)(xi)(xi)統直聯(lian)(lian)(lian)(lian)(lian)的(de)(de)(de)(de)(de)模(mo)(mo)(mo)式(shi)(shi)。這種(zhong)(zhong)模(mo)(mo)(mo)式(shi)(shi)是(shi)由(you)銀(yin)(yin)(yin)聯(lian)(lian)(lian)(lian)(lian)搭(da)建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)接(jie)(jie)(jie)入(ru)平(ping)臺，其(qi)(qi)(qi)好處是(shi)能為銀(yin)(yin)(yin)聯(lian)(lian)(lian)(lian)(lian)推廣網上支(zhi)(zhi)付(fu)、手機支(zhi)(zhi)付(fu)等各(ge)(ge)種(zhong)(zhong)創新支(zhi)(zhi)付(fu)渠道提供豐富的(de)(de)(de)(de)(de)應用(yong)內容，也(ye)是(shi)項目(mu)(mu)(mu)參與(yu)(yu)各(ge)(ge)方(fang)(fang)都(dou)能接(jie)(jie)(jie)受(shou)的(de)(de)(de)(de)(de)方(fang)(fang)式(shi)(shi)。更可(ke)為日后(hou)全省(sheng)各(ge)(ge)地市的(de)(de)(de)(de)(de)一卡(ka)通項目(mu)(mu)(mu)推廣打下良好基礎(chu)。而其(qi)(qi)(qi)最大劣(lie)勢是(shi)要分(fen)別(bie)與(yu)(yu)各(ge)(ge)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)就接(jie)(jie)(jie)口規范、定價等模(mo)(mo)(mo)式(shi)(shi)進行(xing)(xing)(xing)(xing)(xing)(xing)(xing)談判(pan)，這是(shi)一卡(ka)通項目(mu)(mu)(mu)實施的(de)(de)(de)(de)(de)難(nan)(nan)點。第(di)二種(zhong)(zhong)銀(yin)(yin)(yin)聯(lian)(lian)(lian)(lian)(lian)借(jie)助(zhu)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)中間業(ye)務系(xi)(xi)(xi)統與(yu)(yu)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)聯(lian)(lian)(lian)(lian)(lian)接(jie)(jie)(jie)的(de)(de)(de)(de)(de)模(mo)(mo)(mo)式(shi)(shi)。這種(zhong)(zhong)模(mo)(mo)(mo)式(shi)(shi)是(shi)由(you)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)搭(da)建行(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)接(jie)(jie)(jie)入(ru)平(ping)臺，其(qi)(qi)(qi)優勢是(shi)可(ke)沿(yan)用(yong)銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)原有的(de)(de)(de)(de)(de)商(shang)業(ye)定價模(mo)(mo)(mo)式(shi)(shi)，無需與(yu)(yu)各(ge)(ge)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)商(shang)戶重新定價談判(pan)，省(sheng)去(qu)了與(yu)(yu)各(ge)(ge)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)商(shang)戶之間漫長而艱辛的(de)(de)(de)(de)(de)談判(pan)過程(cheng)，對于(yu)商(shang)戶來說比較容易接(jie)(jie)(jie)受(shou)。其(qi)(qi)(qi)劣(lie)勢是(shi)難(nan)(nan)以選擇銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)，無論選擇哪家(jia)，其(qi)(qi)(qi)他銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)都(dou)不愿(yuan)接(jie)(jie)(jie)受(shou)，增加了人民銀(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)在項目(mu)(mu)(mu)組織協調中的(de)(de)(de)(de)(de)工作難(nan)(nan)度。第(di)三(san)種(zhong)(zhong)是(shi)銀(yin)(yin)(yin)聯(lian)(lian)(lian)(lian)(lian)借(jie)助(zhu)第(di)三(san)方(fang)(fang)平(ping)臺與(yu)(yu)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)業(ye)單位(wei)實現聯(lian)(lian)(lian)(lian)(lian)接(jie)(jie)(jie)的(de)(de)(de)(de)(de)模(mo)(mo)(mo)式(shi)(shi)。這種(zhong)(zhong)模(mo)(mo)(mo)式(shi)(shi)主要是(shi)考慮其(qi)(qi)(qi)安全性和可(ke)持續性，第(di)三(san)方(fang)(fang)支(zhi)(zhi)付(fu)公司大都(dou)以盈(ying)利回報為項目(mu)(mu)(mu)進行(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)(de)主要推動力。從實踐(jian)看，一卡(ka)通項目(mu)(mu)(mu)的(de)(de)(de)(de)(de)市場培育(yu)期較長，前期投入(ru)較大，第(di)三(san)方(fang)(fang)支(zhi)(zhi)付(fu)公司如不具備足夠的(de)(de)(de)(de)(de)資金實力，則難(nan)(nan)以維系(xi)(xi)(xi)系(xi)(xi)(xi)統的(de)(de)(de)(de)(de)正常運行(xing)(xing)(xing)(xing)(xing)(xing)(xing)。

3種模式(shi)各(ge)(ge)有(you)優(you)劣，各(ge)(ge)地可根(gen)據(ju)實際情況(kuang)進(jin)行(xing)(xing)(xing)選擇(ze)。“新(xin)(xin)余(yu)(yu)市(shi)(shi)城市(shi)(shi)公眾一卡通”的(de)(de)項目實施選擇(ze)了第(di)二(er)種模式(shi)，即由銀(yin)行(xing)(xing)(xing)搭建行(xing)(xing)(xing)業(ye)接入(ru)(ru)平(ping)臺，銀(yin)聯通過銀(yin)行(xing)(xing)(xing)平(ping)臺實現與各(ge)(ge)行(xing)(xing)(xing)業(ye)系(xi)統的(de)(de)對接。在(zai)組織(zhi)實施中，我(wo)們通過公開、公平(ping)、公正(zheng)競標的(de)(de)方(fang)式(shi)，根(gen)據(ju)各(ge)(ge)家(jia)銀(yin)行(xing)(xing)(xing)與各(ge)(ge)行(xing)(xing)(xing)業(ye)合(he)作的(de)(de)情況(kuang)和(he)(he)繳費(fei)渠(qu)道，結合(he)行(xing)(xing)(xing)業(ye)單位意見，確(que)定(ding)交(jiao)通銀(yin)行(xing)(xing)(xing)新(xin)(xin)余(yu)(yu)分行(xing)(xing)(xing)為行(xing)(xing)(xing)業(ye)繳費(fei)第(di)一接入(ru)(ru)平(ping)臺承建單位，負責(ze)市(shi)(shi)區內公交(jiao)、出租以及水、電(dian)、氣、通信等行(xing)(xing)(xing)業(ye)繳費(fei)前置接入(ru)(ru)平(ping)臺的(de)(de)開發建設和(he)(he)運(yun)行(xing)(xing)(xing)維護；江(jiang)西新(xin)(xin)余(yu)(yu)農村合(he)作銀(yin)行(xing)(xing)(xing)為第(di)二(er)接入(ru)(ru)平(ping)臺承建單位，主要負責(ze)農村市(shi)(shi)場及后續行(xing)(xing)(xing)業(ye)應用接入(ru)(ru)的(de)(de)平(ping)臺建設。提供(gong)行(xing)(xing)(xing)業(ye)接入(ru)(ru)平(ping)臺建設的(de)(de)銀(yin)行(xing)(xing)(xing)既要承擔相應責(ze)任和(he)(he)義務，同(tong)時也能在(zai)政策(ce)方(fang)面享受(shou)相應的(de)(de)優(you)惠和(he)(he)傾斜，如行(xing)(xing)(xing)業(ye)的(de)(de)繳費(fei)結算賬戶都須開在(zai)指定(ding)的(de)(de)平(ping)臺銀(yin)行(xing)(xing)(xing)，平(ping)臺銀(yin)行(xing)(xing)(xing)可以此為契機擴大其品牌(pai)影響力，提升行(xing)(xing)(xing)業(ye)地位和(he)(he)競爭(zheng)力。

五、便民終端網點(dian)的布(bu)放

城市(shi)(shi)公(gong)(gong)(gong)眾(zhong)一(yi)(yi)(yi)卡(ka)通(tong)能否達(da)到(dao)真正的便(bian)(bian)民(min)效果，其(qi)中(zhong)一(yi)(yi)(yi)個關鍵點就是(shi)(shi)便(bian)(bian)民(min)終(zhong)(zhong)(zhong)端的布(bu)放(fang)，不能只顧(gu)發卡(ka)和建平臺(tai)。為此(ci)，新(xin)余(yu)市(shi)(shi)在(zai)(zai)城市(shi)(shi)公(gong)(gong)(gong)眾(zhong)一(yi)(yi)(yi)卡(ka)通(tong)項(xiang)目(mu)推廣中(zhong)，始(shi)終(zhong)(zhong)(zhong)把便(bian)(bian)民(min)終(zhong)(zhong)(zhong)端的布(bu)放(fang)工(gong)作(zuo)作(zuo)為重點。同(tong)時(shi)，我們(men)考慮到(dao)便(bian)(bian)民(min)終(zhong)(zhong)(zhong)端僅(jin)靠自助查詢、繳費(fei)、圈存等基本業(ye)(ye)務是(shi)(shi)不能產(chan)生直接經濟效益的。為此(ci)，新(xin)余(yu)的具(ju)體做法是(shi)(shi)要求(qiu)各(ge)銀行(xing)、銀聯商(shang)務和有資質的第(di)三方服務公(gong)(gong)(gong)司(si)共同(tong)參與布(bu)放(fang)便(bian)(bian)民(min)終(zhong)(zhong)(zhong)端，鼓(gu)勵各(ge)收單機構(gou)在(zai)(zai)便(bian)(bian)民(min)終(zhong)(zhong)(zhong)端上開(kai)發信(xin)用(yong)卡(ka)還款、購買(mai)彩票(piao)等其(qi)他增值(zhi)(zhi)創新(xin)業(ye)(ye)務，提高各(ge)參與機構(gou)的工(gong)作(zuo)積極性。項(xiang)目(mu)啟動初期，全市(shi)(shi)第(di)一(yi)(yi)(yi)批500臺(tai)便(bian)(bian)民(min)終(zhong)(zhong)(zhong)端由新(xin)余(yu)市(shi)(shi)城市(shi)(shi)公(gong)(gong)(gong)眾(zhong)一(yi)(yi)(yi)卡(ka)通(tong)工(gong)作(zuo)領導小組(zu)(zu)統(tong)一(yi)(yi)(yi)組(zu)(zu)織選型、開(kai)發，并(bing)統(tong)一(yi)(yi)(yi)組(zu)(zu)織在(zai)(zai)全市(shi)(shi)人口集中(zhong)的商(shang)業(ye)(ye)區(qu)、社(she)區(qu)、食堂、辦公(gong)(gong)(gong)大(da)樓、值(zhi)(zhi)班室、大(da)型集鎮等地域布(bu)放(fang)，今后再根據(ju)市(shi)(shi)民(min)卡(ka)應用(yong)情況不斷擴充。

六、發卡及宣傳

金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)IC卡(ka)(ka)(ka)(ka)能否迅速(su)走進千家萬戶，發(fa)卡(ka)(ka)(ka)(ka)行(xing)(xing)的(de)參與和(he)宣(xuan)(xuan)(xuan)(xuan)傳(chuan)是兩個(ge)重要環節。在(zai)(zai)發(fa)卡(ka)(ka)(ka)(ka)方面(mian)，制定(ding)《新余(yu)市2011～2013年金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)IC卡(ka)(ka)(ka)(ka)發(fa)展(zhan)規劃》，要求全(quan)市具備發(fa)卡(ka)(ka)(ka)(ka)資格(ge)和(he)發(fa)卡(ka)(ka)(ka)(ka)條件(jian)的(de)7家商業(ye)銀行(xing)(xing)在(zai)(zai)2011年內(nei)實現發(fa)卡(ka)(ka)(ka)(ka)。為此，人(ren)民銀行(xing)(xing)南昌中(zhong)支(zhi)專門為新余(yu)一(yi)卡(ka)(ka)(ka)(ka)通項目(mu)召開(kai)了(le)江(jiang)西省(sheng)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)IC卡(ka)(ka)(ka)(ka)推進工作協調(diao)會，要求上(shang)述7家銀行(xing)(xing)的(de)省(sheng)分行(xing)(xing)和(he)省(sheng)銀聯為新余(yu)的(de)試(shi)點(dian)提供技術支(zhi)持和(he)特殊政策。在(zai)(zai)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)IC卡(ka)(ka)(ka)(ka)的(de)推廣(guang)(guang)宣(xuan)(xuan)(xuan)(xuan)傳(chuan)方面(mian)，新余(yu)中(zhong)支(zhi)從9月(yue)開(kai)始，組(zu)織(zhi)并(bing)聯合轄區(qu)內(nei)發(fa)卡(ka)(ka)(ka)(ka)行(xing)(xing)開(kai)展(zhan)了(le)以“一(yi)卡(ka)(ka)(ka)(ka)在(zai)(zai)手，生(sheng)活無憂”為主題(ti)的(de)系(xi)列宣(xuan)(xuan)(xuan)(xuan)傳(chuan)活動(dong)(dong)。活動(dong)(dong)采用(yong)豐(feng)富多(duo)樣的(de)形式(shi)，9月(yue)10日，聯合市委(wei)宣(xuan)(xuan)(xuan)(xuan)傳(chuan)部組(zu)織(zhi)全(quan)市金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機構(gou)在(zai)(zai)市中(zhong)心“洪客隆廣(guang)(guang)場”舉行(xing)(xing)了(le)新余(yu)市金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)IC卡(ka)(ka)(ka)(ka)知(zhi)識大型宣(xuan)(xuan)(xuan)(xuan)傳(chuan)活動(dong)(dong)。通過(guo)定(ding)制手機短信、定(ding)做賀年卡(ka)(ka)(ka)(ka)、在(zai)(zai)各金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機構(gou)網點(dian)懸掛橫幅、在(zai)(zai)電子顯(xian)示屏上(shang)滾動(dong)(dong)播放宣(xuan)(xuan)(xuan)(xuan)傳(chuan)標(biao)語、在(zai)(zai)地方媒體開(kai)設(she)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)IC卡(ka)(ka)(ka)(ka)知(zhi)識專欄、組(zu)織(zhi)各銀行(xing)(xing)和(he)行(xing)(xing)業(ye)人(ren)員參加(jia)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)IC卡(ka)(ka)(ka)(ka)行(xing)(xing)業(ye)應(ying)用(yong)知(zhi)識培訓等方式(shi)進行(xing)(xing)全(quan)方位宣(xuan)(xuan)(xuan)(xuan)傳(chuan)。同時，還統一(yi)印制了(le)2萬多(duo)份宣(xuan)(xuan)(xuan)(xuan)傳(chuan)單、展(zhan)板、海報、折(zhe)頁等宣(xuan)(xuan)(xuan)(xuan)傳(chuan)資料發(fa)送至金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機構(gou)營業(ye)網點(dian)，方便社會公眾(zhong)咨詢和(he)查閱。