By studying on the cash card in Taiwan and the multifunction card in mainland of China, this article finds out that innovation in financial product gets first-mover advantage, and this is the drive resource to promote innovations of financial institute.

This article gives a brief introduction to the history and current situation of modern cartoon and Chinese picture -story book, analyzes their techniques of expression and artistic characteristics in detail, and makes a comprehensive comparison between them, thereby it points out the disadvantages of Chinese picture - story books and gives suggestions for its further improvement and development.