内田说日本银行目前远低于20％的门槛（三菱日联金融集团没有透露其水平；瑞穗2009年3月水平为8.5％）。

Mr Uchida says Japanese banks are currently well below the 20% threshold (MUFJ does not reveal its level; Mizuho put its at 8.5% in March 2009).

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说，在把信用卡的功能附加在金融卡之上后，中老年消费者甚至也开始把这种银行卡放入自己的钱包了。他说，这种做法为瑞穗金融集团开辟了一个新市场。

'When credit cards are combined with ATM cards, even older customers begin to carry them in their wallets, ' says Tsuneo Fukugawa, a manager at Mizuho's retail-business division.

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