1993年6月国务院启动了以发展我国电子货币为目的、以电子货币应用为重点的各类卡基应用系统工程——金卡工程。金卡工程广义是金融电子化工程,狭义上是电子货币工程。它是我国的一项跨系统、跨地区、跨世纪的社会系统工程。它以计算机、通信等现代科技为基础,以银行卡等为介质,通过计算机网络系统,以电子信息转帐形式实现货币流通。它的实现必将加速 In June 1993, the State Council launched various card-based application systems projects focusing on the development of electronic money in China-Gold Card Project. Gold Card Project is a generalized financial electronic engineering, narrow sense, is the electronic money project. It is a cross-system, trans-regional and cross-century social system project in our country. It is based on modern science and technology such as computers and communications, and uses bank cards as medium to realize currency circulation through electronic information transfer through computer network system. Its realization is bound to accelerate