計算機在金融業中的作用

計算機在金融學的運用使之提高到一個更高的水平。接下來小編爲大家整理了計算機在金融業中的作用，希望對你有幫助哦!

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.

電子計算機的引進使金融業產生了一場深刻的革命。它不僅正在改變手工操作的低效率，而且使銀行爲客戶提供最新業務成爲可能。

首先，計算機的應用改善了傳統業務的辦理流程。這一巨大變革極大的提高了櫃面業務、業務監管和綜合信息管理的工作效率。這些變化正在推動銀行新業務的發展。

由於計算機的應用爲客戶在當地銀行的任何網點，通過計算機的操作進行存取款提供方便，從而受到客戶的高度評價。

設置在主要公共場所的自動櫃員機(ATM)提供日夜服務。ATM由持卡人操作，業務可以這樣辦理，即先將塑料卡插入自動櫃員機，然後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單易懂的英語顯示，對持卡人來說，操作起來很容易。

銷售點終端機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。它們提供的服務與自動櫃員機大致相同，還增加了支票覈對和支票保付等功能。

所有這些新的操作功能把銀行服務提高到一個更高的水平。