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1、Bank Card,CONTENTS,Introduction & Classification of bank card,01,目录,Introduction of four big brands of bank card,02,03,Favourable activity,A bank card is issued by a commercial bank to its clients that performs one or more of a number of services that relate to giving the client access to funds, eit
2、her from the clients own bank account, or through a credit account.,What is bank card?,Functions：,Payment and settlement Exchange and transfer Savings and withdrawing .,标注：它不包括中国人民银行和三大政策银行，下一张有他们的全称.,标注：这是各种银行卡都具有的基本功能,标注：,中国人民银行（PBOC）：set up & governed by State Council(国委会)功能：推出一些政策，监管（monitor）其它商
3、业银行政策性银行（political bank）：中国进出口银行（EIBC），中国农业发展银行（ADBC），国家开发银行(CDB)政策银行就是由国家政府出资建成的，不以盈利为目的的，它们是宏观调控的工具。因此，它们不发放银行卡，也不办理不处理个人业务问题。（在此你可以理解它为一个为政府办事的组织，部门）国家开发银行在此处比较具争议性，因为一开始它是国有的（state-owned）政策银行，最近它变成了股份制银行（transform into a shareholding bank），不过，百度词条和中国新闻网还是把它列入政策性银行。,Classification of bank card,St
4、andard of classification Settlement way Settlement currencyRelease objectInformation carrierCredit ratingFlow range The cardholders position and responsibility,Bank card type Debit card & Credit card RMB card, Foreign Currency Card & Dual-currency cards Corporate Card & Personal card Magnetic stripe
5、 card & Chip card(smart card, IC card) Platinum card, Gold card & Common Card etc International card & Area card Main card & Supplementary card,标注：简单介绍一下上一张的某种卡,Dual-currency cards双币卡：中国特有的一种卡，结算货币支持两种货币，其中一种必须是RMB。 Corporate Card商务卡：申请人必须是一家公司的老板或股东，给员工出差用的，用于支付出差的费用，易于公司会计结算，并可有效防止员工乱报销。 Platinum
6、card, Gold card & Common Card etc 白金卡，金卡，普通卡：它们申请标准，年费，有时甚至享受的优惠活动都是不一样的。,Magnetic stripe card & Chip card(smart card, IC card),Advantages： 1. Contrasted with a magnetic stripe card, IC card is high safety, because the sensitive data are difficult to be copied. 2.To store a variety of information, a
7、nd the function is more perfect. 3. IC card can also be offline operations like bus CARDS. 4.IC chip can also be embedded in mobile phones, keep the cell phone into a bank card at the same time. .,注：芯片卡是磁条卡的替代品，现在银行已不发磁条卡，但它依旧能用,注：现在人们提起借记卡，差不多都是储蓄卡，因为专用卡很少用，而储值卡已被中国人民银行禁止发行。,注：储值卡因为不记名不接受挂失，损害了持卡人利
8、益，所以被禁止发行，但现实生活中我们仍可以看见，因为现在是一些商场在发放，就像是购物卡那种，先付款（买卡）再消费，不能充值，用完里面的钱就得扔。,注：这里专门用途是指购物，吃饭，娱乐以外的用途。,A. Dont need to deposit the imprest fund in advance. B. Repayment after consumption C. Interest-free period: 20-60 days D. You need to pay at least 10% of total amount of the bill every month.,A. Need t
9、o deposit a certain amount of fund. B. Interest-free period: NO,现在提起信用卡，大家默认为贷记卡，因为现在贷记卡的申请标准比以前低，准贷记卡就没什么意义了，现在极少见。,准贷记卡也叫半贷记卡，是以前因为有些申请人达不到贷记卡的申请要求，而银行不愿意放弃这些客户，就推出了这种准贷记卡。,The four big brands of bank card in the world,VISA,1,CUP (China Unionpay),2,MasterCard,3,JCB,4,注意，这些品牌都是其同名组织建立的，在它们的同名组织下或者不
10、只有它们一个品牌，人们提起它们的时候，不要搞混他到时指其品牌还是组织。,Visa is an international credit card brand, which is operated and managed by a Visa international organization in San Francisco, USA . Visa is also a global payments technology company, and it connect across contries and regions of consumers, businesses, financial
11、 institutions in the world through a quick, safe and reliable digital currency.,VISA,ABOUT ME,Holding a Visa card is more convenient in credit-card consumption abroad .,China UnionPay (Chinese: 中国银联) is the only domestic bank card organization in China. China UnionPay is an association for Chinas ba
12、nking card industry, operating under the approval of the Peoples Bank of China (PBOC, central bank of China) and is a joint-stock financial services institutions set up jointly by more than 80 domestic financial institutions. Banks carry on transactions through unionpay transaction settlement system
13、, which make bank card can be used among banks, areas and countries.,China UnionPay,ABOUT ME,银联标准卡,银联标识卡,注：银联标准卡就是卡上有银联标志号码以62开头的有银联标识却不以62开头就是银联标识卡银联标识卡有什么用，下一张告诉你,Dual-currency cards,card number: 4 mark,注：这张卡有银联标识，却不是以62开头，所以它不是银联标准卡，是银联标识卡。 因为visa卡以4开头，所以这是一张visa标准卡。,作用：银联品牌在中国常用，visa品牌是国际的，不管银联组
14、织还是visa组织都有它的会员银行，有其品牌标识，你就可以去它的会员银行取钱，如果你去的银行不是你银行的标识品牌组织的会员，你就不能在那取钱。 例如，这张卡，你在国内某银行取钱，恰巧那家银行不是visa组织的会员，那因为你这张卡还有银联标识，而这银行是银联组织的会员，那你的卡还是可以取钱的。,MasterCard International is the worlds second-largest credit card international organization. In 1966, some Banks of California, USA, established the ban
15、kcard association. Mastercard use much in Europe, and Visa card use in the United States and other regions.,MasterCard International,ABOUT ME,JCB is one of the world general international credit card. JCB is established jointly by 日本三和银行、日本信贩银行、三井银行、协和银行、大和银行, and JCB is the sole international credi
16、t card brand originated in Japan. The overseas tourism activities of JCB has distinguishing feature very much. It will not only have some free sightseeing trip, but also provide useful preferential selected information for travel and introduce restaurants, all kinds of tickets and beauty care massage in respective region.,JCB,ABOUT ME,注：现在国内不发行JCB。,http:/ http:/ software) Mobile financial services platform & Wealth Advisor,
