計(jì)算機(jī)在金融業(yè)中的作用

　　計(jì)算機(jī)在金融學(xué)的運(yùn)用使之提高到一個(gè)更高的水平。接下來小編為大家整理了計(jì)算機(jī)在金融業(yè)中的作用，希望對(duì)你有幫助哦!

　　The introducing of electronic computers has brought about a profound revolution in the banking area. It has not only been changing the low efficiency of manual operations, but is also making it possible for the bank to provide their customers with the up-to-date services.

　　Using computers at first improved the management of the traditional service procedure. It is a great alteration that has highly raised the working efficiency of counter services, supervision business and comprehensive information management. These changes are promoting the development of bank's new services.

　　A good appraisal is given by the savings depositors since they have been provided with the convenience of making deposit and withdrawal at any office of the bank's local network through computer operation.

　　The automated teller machines (ATM) set up at the main public places provide the day-and-night services. ATMs are operated by the cardholder. Transactions are performed by first inserting a plastic card into the ATM, and then following the step-by-step instructions displayed on the ATM's screen. Screen instructions are written in plain, simple English, which makes ATMs very easy for the cardholder to use.

　　The point of sales (POS) terminals are located in retail outlets and are operated by either cardholders or employees of the outlet. They provide many of the same transactions as ATMs, with the addition of check verification and check guarantee.

　　All these new styles of performance have pushed up the bank service to a higher level.

　　電子計(jì)算機(jī)的引進(jìn)使金融業(yè)產(chǎn)生了一場(chǎng)深刻的革命。它不僅正在改變手工操作的低效率，而且使銀行為客戶提供最新業(yè)務(wù)成為可能。

　　首先，計(jì)算機(jī)的應(yīng)用改善了傳統(tǒng)業(yè)務(wù)的辦理流程。這一巨大變革極大的提高了柜面業(yè)務(wù)、業(yè)務(wù)監(jiān)管和綜合信息管理的工作效率。這些變化正在推動(dòng)銀行新業(yè)務(wù)的發(fā)展。

　　由于計(jì)算機(jī)的應(yīng)用為客戶在當(dāng)?shù)劂y行的任何網(wǎng)點(diǎn)，通過計(jì)算機(jī)的操作進(jìn)行存取款提供方便，從而受到客戶的高度評(píng)價(jià)。

　　設(shè)置在主要公共場(chǎng)所的自動(dòng)柜員機(jī)(ATM)提供日夜服務(wù)。ATM由持卡人操作，業(yè)務(wù)可以這樣辦理，即先將塑料卡插入自動(dòng)柜員機(jī)，然后按照屏幕上所顯示的說明一步一步地去操作。屏幕上的說明是用簡(jiǎn)單易懂的英語顯示，對(duì)持卡人來說，操作起來很容易。

　　銷售點(diǎn)終端機(jī)擺放在零售商店的出口處，即可由持卡人，也可由出口處的收銀員操作。它們提供的服務(wù)與自動(dòng)柜員機(jī)大致相同，還增加了支票核對(duì)和支票保付等功能。

　　所有這些新的操作功能把銀行服務(wù)提高到一個(gè)更高的水平。