计算机在金融业中的作用

　　计算机在金融学的运用使之提高到一个更高的水平。接下来小编为大家整理了计算机在金融业中的作用，希望对你有帮助哦!

　　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.

　　电子计算机的引进使金融业产生了一场深刻的革命。它不仅正在改变手工操作的低效率，而且使银行为客户提供最新业务成为可能。

　　首先，计算机的应用改善了传统业务的办理流程。这一巨大变革极大的提高了柜面业务、业务监管和综合信息管理的工作效率。这些变化正在推动银行新业务的发展。

　　由于计算机的应用为客户在当地银行的任何网点，通过计算机的操作进行存取款提供方便，从而受到客户的高度评价。

　　设置在主要公共场所的自动柜员机(ATM)提供日夜服务。ATM由持卡人操作，业务可以这样办理，即先将塑料卡插入自动柜员机，然后按照屏幕上所显示的说明一步一步地去操作。屏幕上的说明是用简单易懂的英语显示，对持卡人来说，操作起来很容易。

　　销售点终端机摆放在零售商店的出口处，即可由持卡人，也可由出口处的收银员操作。它们提供的服务与自动柜员机大致相同，还增加了支票核对和支票保付等功能。

　　所有这些新的操作功能把银行服务提高到一个更高的水平。