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综合篇 自动柜员机(ATM)在西方发达国家的应用已有三十多年的历史,它可以提供24小时服务,使人们可以在金融机构工作的8小时外得到金融服务,极大地方便了人们的生活。据1997年统计数据,每百万人拥有自动柜员机的数量在日本已超过1000台,韩国将近800台,许多国家超过500台。自动柜员机进入中国市场也有十多年的历史了,八十年代初,中国银行香港中银集团电脑中心开发出自动柜员机应用系统并投入使用,1988年中国银行深圳分行推出国内第一台联机服务的ATM机,1994年中国银行又在广东、湖南、福建等地开通了“中银通—银联”网,海内
Comprehensive ATMs have been in use in developed Western countries for more than three decades. They provide 24-hour service, enable people to get financial services outside the financial institutions’ 8 hours, and greatly facilitate people’s life. According to 1997 statistics, the number of ATMs per million people has exceeded 1,000 in Japan, nearly 800 in South Korea and more than 500 in many countries. ATMs have entered the Chinese market for more than 10 years. In the early 1980s, the BOC Hong Kong Bank Computer Center developed an ATM application system and put it into use. In 1988, the Bank of China Shenzhen Branch launched the first ATM In 1994, Bank of China opened the “Bank of China-CUP” network in Guangdong, Hunan and Fujian,