冷知识：为什么说银行卡有这2个字，要多加留意？别因疏忽丢了钱
在互联网时代，人们都在追求生活的便利，尤其在付款消费方面，以前只是嫌找零麻烦，现在，都嫌掏钱麻烦了，只想用手机或者银行卡完成快速付账。但是，无论是手机还是银行卡，都有一个要输入密码的程序。
于是，许多人都觉得这个程序也太慢、太复杂，希望能有一种程序能免除密码输入。如今，这个程序终于来了，但却存在着安全隐患，也就是我们说的为什么说银行卡有这2个字，要多加留意？别因疏忽丢了钱。这两个字是什么字？就是闪付。如今再办银行卡，都会发现银行卡有这两个字，这表示什么？就是表示在付出比较少的金额时，用银行卡付账，不需要输入密码，直接一刷，就可以了。而由银联方直接划账。可以说，真的实现了简单、快速。
但是，这种付账简单的银行卡，却存在着安全隐患，如果银行卡被盗或者丢失，被别人捡到了，那么，拥有失主银行卡的人，拿着捡来的银行卡去消费的时候，只需要刷卡，就能买到东西了。这对于持卡人来说，就是一种巨大的损失。那么，既然存在安全，为什么还要发行这种卡呢？按照银行的说法，这是世界惯例，而且是小额消费，但再小的消费，也是要花钱的，对于持卡人的利益保障，就这么不负责吗？自然，对于这种追问，银行是不会理睬的，毕竟，损失的不说银行的钱，银行只要等着有人来还钱，就算完成任务了。
可以说，带有闪付字样的银行卡的发行，是不可避免的，也是未来生活的一种趋势，只是银行在防范方面，还没有做到尽善尽美，就拿国际惯例作为理由，是说服不了人的。在国外，信用卡之所以应用比较广泛，就在于防范制度做得比较好，而且保护银行卡刷卡安全的责任不在持卡人，而在商家。如果商家不按照严格的银行卡使用程序执行的话，那责任就该商家承担，意思是只要持卡人不承认那笔消费账，就该商家来还钱了。
这样的制度，当然能实行闪付制度了，但在中国可以吗？目前，还没有看到损失由商家负责的报道。所以，要保护持卡人的利益，银行和商家还要做出努力。
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