“没有信息化,就没有金融的现代化”。中国人民银行参事、国家信息化专家咨询委员会委员陈静曾如此描述信息化建设的地位。改革开放30多年来,金融行业的信息化,经历了从无到有、从单一业务向综合业务的发展过程。此间,不仅建立了基于计算机网络的电子清算系统和金融管理系统,且彻底改变了传统金融业务的处理模式,带动了现代金融服务业的整体发展。科技创新任重道远相对其他行业,过去几十年我国金融行业信息化建设成绩斐然。首先是金融行业建立了先进的技术框架,基础设施建设日趋完善。世界先进的大 “Without information, there is no financial modernization ”. Chen Jing, a consultant of the People’s Bank of China and a member of the Advisory Committee of National Informatization Experts, described the status of information construction in this way. Over the past 30 years since the reform and opening up, the informationization of the financial industry has gone through a process of development from scratch and from a single business to an integrated business. Here, we not only established the electronic settlement system and financial management system based on computer network, but also completely changed the processing mode of traditional financial business and led the overall development of modern financial service industry. A long way to go in scientific and technological innovation Relative to other industries, the past few decades have witnessed phenomenal achievements in China’s financial industry. The first is that the financial industry has established an advanced technical framework and the infrastructure construction is maturing. The world’s advanced big