摘要
随着商业银行业务的发展,自助设备特别是自动柜员机(ATM)已经成为商业银行重要的服务渠道。但是,由于设备设计、监管要求、风险管理和客户实际需求等原因,ATM上的存取款交易存在一定限额,引起社会的关注。通过尝试分析上述情况,归纳影响或制约其硬件、监管、客户、效益和风险等五项主要驱动因素,客观给出解释和建议。
With the development of the banking business, Automated Machine, especially Automated Teller Machine （ATM） has become an important service channels of commercial banks. However, due to equipment design, regulatory requirements, risk management and actual customer demand and other reasons, there is a certain limitation on the ATM for its deposit and withdrawal transactions which causing the concern of the community. We try to analyze the cashing limitation, the inductive influence or restricting five main reasons of the hardware, regulators, customers, benefits and risks. Then, try to explanation and advice objectively.
出处
《金融理论与实践》
CSSCI
北大核心
2013年第11期116-118,共3页
Financial Theory and Practice
关键词
自动柜员机
取款限额
商业银行
automatic teller machine（ATM）
cashing limitation
commercial banks
