The apparatus comprises: mobile test terminal, local smart card data processor, remote smart card leading-in unit, smart card resource scheduling unit, transmission management unit, and transmission network. The remote smart card is used to start up and initialize the physical smart card, and to make the physical card enter into running state; the mobile test terminal either is connected to the mobile communication network via air interface or interacts the smart card data via the local smart card data processor; the local smart card data processor is connected to the remote smart card leading-in unit via the transmission network in order to get the physical smart card resources.