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在当前以美国为代表的西方发达国家逐步形成新经济结构，以及加入WTO以后我国银行业即将直接面对来自国外银行同业竞争的背景下，全面考察电子化信息系统（EMIS）在现代银行业中所扮演的角色和作用，环视发达国家银行电子化情况，审视我国商业银行经历和现状，探讨我国银行业如
Under the background that the western developed countries represented by the United States are gradually forming a new economic structure and the banking industry of our country is about to directly face the competition from the foreign banks after China’s accession to the WTO, a comprehensive examination of the progress of the Electronic Information System (EMIS) in the modern banking industry The role and role played by, looking at the electronic state of banks in developed countries, reviewing the experience and current situation of China’s commercial banks to explore China’s banking industry such as