伴随着中国加入WTO,国内的银行业所面临的竞争压力已经进入到前所未有的激烈阶段。无论是在国内各银行之间,还是国内与国外银行之间,竞争的态势已经发展到白热化程度。各银行已经意识到充分运用先进科技的重要性。因为只有这样才能帮助银行提高自身综合竞争力,从而达到降低运营成本这一最 With China’s accession to the WTO, the competitive pressures facing the domestic banking industry have entered an unprecedented intense phase. Whether in the domestic banks, or between domestic and foreign banks, the competitive situation has developed to a white-hot level. Banks have realized the importance of making full use of advanced technology. Because the only way to help banks improve their overall competitiveness, so as to achieve the lowest operating costs