金融EDI的运用与商业银行竞争力的提升

电子化技术带给金融业的不仅仅是速度和工具,而且是方式、过程、体制、观念等的变革.当电子商务活动中的一些关键步骤如采购订单和发票等均采用电子技术处理后,资金的支付和流转如果采用纸张传递的传统方式来处理,那么这种经营方式的滞后必然会影响到企业和公司整个商务活动链的有效运作和发展.随着EDI(Electronic Data Interchange)在一系列商业活动中的广泛应用,许多公司和企业对于将EDI的应用范围扩大到支付领域有着强大的需求.我国加入WTO后,金融等服务行业应积极采用EDI技术,以面对来自外部世界的竞争.

The Application of Financial Electronic Data Interchange and the Advance of Commercial Banks' Competence

What electronic technology brings to financial industry is not only speed and tools,but also a series of innovation in approach,process,system and idea. Nowadays,some key steps in electronic commerce activities,such as purchase order and invoice,are processed by electronic technology. Under this circumstance,if the payment and capital circulation are still transmitted by traditional paper method,the overall operation of business activity chain will slow down. With the extensive popularization of EDI in the business world,many enterprises express their huge demand on introducing EDI into payment process. After China's entrance to WTO,such service industries as financial industry should actively apply EDI technology to face the competition from foreign world.