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随着知识经济社会的逐步来临,未来商业银行将呈现五个方面的特征:(1)经营管理手段信息化。银行建立多种内外部信息渠道,形成信息管理网络;银行运用信息技术进行综合管理,进而大幅度提高管理效率和经营水平。(2)银行非中介化。金融服务的电子化与信息化,大大加速了资金的流动速度和信息的透明度,使商业银行依赖资金周转时差和信息非对称性来获取盈利的可能大大减少;通过运用先进的信息技术,资金在
With the gradual advent of a knowledge-based economy and society, commercial banks will be characterized by five aspects in the future: (1) informatization of business management means. Banks establish a variety of internal and external information channels to form an information management network; banks use information technology for integrated management, which in turn significantly improves management efficiency and management level. (2) bank non-mediated. The electronicization and informatization of financial services have greatly accelerated the flow of funds and the transparency of information, which has greatly reduced the possibility of commercial banks relying on capital flow time differences and information asymmetry for profitability. By using advanced information technology,