彩票投资与概率研究

本文首先分析了IC（Integrated Circuit Card）芯片卡的特点及其取代我国各商业银行发行的磁条卡的必要性，结合目前我国商业银行卡使用情况。一种新的IC复合卡（磁条卡与芯片卡合二为一）将有助于我国商业银行卡逐步向国际金融支付应用标准过渡；其次介绍了该卡构成及使用方法；最后分析了该卡在我国广泛的应用前景。

Lottery Investment and Its Award Probability

As a fund raising method that combines economic interests with social welfare, lottery alleviates government fiscal pressure, becomes an important channd to fund the development of social public interest projects such as sports and welfare, and develops in line with the development of the society. Lottery is a typical independent random event. The return on lottery is based on probability, instead of on economic profitability. Lottery purchasing brings in returns ranging from zero to several thousand times of the investment. In view of this, lottery is a kind of contingent security.