随着我国即将加入WTO,外国银行将大规模地进入我国的金融市场。虽然经过20多年的努力,国内的金融电子化,尤其是商业银行的全方位金融服务取得了实质性的飞跃,但在金融管理和银行服务电子化方面,还有一定的差距。我国商业银行迫切需要强化金融电子化、信息化。传统银行在向现代银行转型时,急 With China’s imminent accession to the WTO, foreign banks will enter China’s financial market on a large scale. Although more than 20 years of hard work has made a substantial leap forward in China’s financial electronicization, especially the comprehensive financial services of commercial banks, there is still a gap in terms of financial management and electronic banking services. China’s commercial banks urgently need to strengthen financial electronics and information technology. The traditional bank in the transition to modern banks, urgent