The present invention provides a virtual chip card system based on soft excitation electromagnetic near-field mutual inductance of a mobile intelligent terminal. When a mobile intelligent terminal operates a specific program, an electric current is generated by an inner circuit thereof, thereby exciting soft excitation broadband electromagnetic signals with different frequencies and amplitudes. The mobile intelligent terminal realizes near-field information interaction with a broadband electromagnetic card reader by using information carried by the soft excitation broadband electromagnetic signals, and performs remote information interaction with an application data center by using a wireless communication technology at the same time, and existing hardware of the mobile intelligent terminal is not required to be changed or added. The system has a multi-level encryption method, supports a joint checking function and a rapid loss reporting function, is safe and flexible, guarantees requirements of different applications on security and convenience, and can replace all kinds of chip cards of bank cards, access control cards, library cards and the like to realize a virtual chip card system, thereby realizing verification and use of the chip cards.