Java – Problem with Informix JDBC, MONEY and decimal separator in string literals

I have problem with JDBC application that uses MONEY data type.
When I insert into MONEY column:

insert into _money_test (amt) values ('123.45')

I got exception:

Character to numeric conversion error

The same SQL works from native Windows application using ODBC driver.
I live in Poland and have Polish locale and in my country comma separates
decimal part of number, so I tried:

insert into _money_test (amt) values ('123,45')

And it worked.
I checked that in PreparedStatement I must use dot separator: 123.45.
And of course I can use:

insert into _money_test (amt) values (123.45)

But some code is "general", it imports data from csv file and it was safe to put number into string literal.

How to force JDBC to use DBMONEY (or simply dot) in literals?

My workstation is WinXP.
I have ODBC and JDBC Informix client in version 3.50 TC5/JC5.
I have set DBMONEY to just dot:

DBMONEY=.

EDIT:

Test code in Jython:

import sys
import traceback
from java.sql import DriverManager
from java.lang import Class

Class.forName("com.informix.jdbc.IfxDriver")

QUERY = "insert into _money_test (amt) values ('123.45')"

def test_money(driver, db_url, usr, passwd):
    try:
        print("\n\n%s\n--------------" % (driver))
        db = DriverManager.getConnection(db_url, usr, passwd)
        c = db.createStatement()
        c.execute("delete from _money_test")
        c.execute(QUERY)
        rs = c.executeQuery("select amt from _money_test")
        while (rs.next()):
            print('[%s]' % (rs.getString(1)))
        rs.close()
        c.close()
        db.close()
    except:
        print("there were errors!")
        s = traceback.format_exc()
        sys.stderr.write("%s\n" % (s))



print(QUERY)
test_money("com.informix.jdbc.IfxDriver", 'jdbc:informix-sqli://169.0.1.225:9088/test:informixserver=ol_225;DB_LOCALE=pl_PL.CP1250;CLIENT_LOCALE=pl_PL.CP1250;charSet=CP1250', 'informix', 'passwd')
test_money("sun.jdbc.odbc.JdbcOdbcDriver", 'jdbc:odbc:test', 'informix', 'passwd')

Results when I run money literal with dot and comma:

C:\db_examples>jython ifx_jdbc_money.py
insert into _money_test (amt) values ('123,45')


com.informix.jdbc.IfxDriver
--------------
[123.45]


sun.jdbc.odbc.JdbcOdbcDriver
--------------
there were errors!
Traceback (most recent call last):
    File "ifx_jdbc_money.py", line 16, in test_money
        c.execute(QUERY)
SQLException: java.sql.SQLException: [Informix][Informix ODBC Driver][Informix]Character to numeric conversion error


C:\db_examples>jython ifx_jdbc_money.py
insert into _money_test (amt) values ('123.45')


com.informix.jdbc.IfxDriver
--------------
there were errors!
Traceback (most recent call last):
    File "ifx_jdbc_money.py", line 16, in test_money
        c.execute(QUERY)
SQLException: java.sql.SQLException: Character to numeric conversion error



sun.jdbc.odbc.JdbcOdbcDriver
--------------
[123.45]