The Informatization Research Of Chinese Banking

The development at very fast speed of information technology has made the Informatization trend of financial field evident more and more. Informatization delegates an import trend of development of international banking. Banking will transit to dummization, intelligentization and internationalization. In the face of development and challenge of international banking, especially the opening of domestic banking after China enter WTO, Chinese banking should have the pressure of building informatization, and should understand the development trend of banking entirely. The informatization of banking delegates a kind of new function mode, a transformation of new thought conception. Informatization brings a stratagem transform of traditional banking, causing banking transit from financing medium to payment system, from production center to client server center, and it's center of gravity of payoff will diversion too. Under the informatization, banking will hold new operation running mode and management system. So there is evident difference between traditional banking in many aspects like character, cost, mode, risk, stratagem and supervise. The characteristic and superiority of informatization will bring an opportunity in thousand of participating international banking competition to domestic banking; as a result it must be get hold of. Definiting the development direction of our banking, we should speedup the course of banking informatization. At present our banking informatization still be a low developing levels, existing many factors hobbling the development of informatization, we shall creative fine condition for accelerating the informatization building, and ultimately promoting the course of informatization of Chinese banking.