(记者苏建东)无纸化支付和交易是商业信息化的终极目标之一。2005年是中国零售业全面开放的第一年,也是中国银行卡产业走过的第20个年头。中国银行卡产业是在银行业与商业企业的紧密合作中成长壮大的,银商双方共同经历了从无到有、从小到大的发展历程。目前,银行卡作为社会公众喜爱的支付工具,以其“方便、安全、快捷”的特性成为现代商户必不可少的结算方式,刷卡消费正在成为公众崇尚“健康、文明、时尚”生活的现代支付理念。到2004年底,中 (Reporter Su Jiangdong) Paperless payments and transactions are one of the ultimate goals of commercial informatization. 2005 is the first year that China’s retail industry was fully liberalized and the 20th anniversary of the bankcard industry in China. The banking card industry in China grew stronger in close cooperation with the banking industry and commercial enterprises. Both banks and commercial banks jointly experienced the development from scratch, from small to large. At present, bankcards, as a favorite payment tool for the public, have become the indispensable settlement method for modern merchants with their features of “convenience, safety and speediness”. The consumption of credit card is becoming the modern payment that the public advocates “healthy, civilized and fashionable” idea. By the end of 2004, China