工商银行作为世界 50 0强企业 ,与世界主要商业银行相比电子化程度却很低。所以工商银行没有理由不大力发展、开拓电子货币产品和市场 ,迎头赶上发达国家银行结算水平 ,做我国金融电子化的排头兵 ,在电子货币发展的进程中掌握先机 ,逐步和国际商业银行接轨。1 利用已有的独立付 As the 50th largest enterprise in the world, Industrial and Commercial Bank of China has a very low level of electronics compared with the world’s major commercial banks. Therefore, ICBC has no reason not to develop vigorously and develop electronic money products and markets. It should catch up with the settlement level in developed countries and become the vanguard of China’s financial electronicization. It should seize the initiative in the process of electronic money development and gradually integrate with international commercial banks. 1 Make use of existing independent payouts