欧美商业银行金融信息化发展对我国的启示

The Development of Financial Informatization of US and European Commercial Banks and Its Enlightenment to China

金融信息化是随着西方金融发展趋势递进的,同时又是在金融业和信息技术相互作用中不断发展的。目前跨国经营和混业经营成为发达国家金融业的主流模式,信息化已成为影响现代金融发展的核心要素,成为欧美金融业发展和创新的重要驱动力。本文介绍了欧美银行业信息化发展的趋势,通过对比我国金融信息化的现状,提出我国要借鉴发达国家银行业信息化的经验,同时结合自身优点及特点,提升我国银行业信息化水平。

Financial informatization goes forward progressively with the development of Western finance, and is also in continuous development in the interaction between financial industry and information technology. At present, transnational operation and mixed operation have become the main models of financial industry in developed countries, and informatization the core influential element and important driving force in the development and innovation of the financial industry of Europe and America. This paper introduces the informatization trend in European and American banking industry. Then by comparison with the present situation of China, it puts forward that we should learn the advanced experience of the developed countries in banking informatization, in combination with our own advantages and characteristics, so as to enhance the informatization level of our banking industry.