摘要：随着我国信息化程度的不断加深，电子计算机技术逐渐进入各个行业及领域。信息技术大量地走进人们生活，为人们的生产、生活以及学习带来了极大的便捷。本文攫取了电子信息技术在银行交易系统中的应用为主要论述对象，首先对企业网银的相关内容进行概述，然后对企业网银的使用现状以及系统功能进行介绍，最后对企业网银系统框架结构设计进行阐述，在实际的使用过程中，企业网银也存在着一些问题。主要表现在：资金运用困难，综合经营成本高昂；目标市场定位不明确，业务品种无法适应，户需求难以得到间接收益，获利渠道较为单一 银联卡中的大众卡存在一定的安全问题 网银框架结构存在一定的局限性。对此，我们需要采取强有效地措施进行处理，即我们采用了建议建立城市卡信用清算系统，加大资金投入力度，争取政府大力扶持，明确市场定位，不断满足客户的需求协调各方的利益关系，减少成本投入避免大众卡的使用，多使用专业卡，对网银结构进行优化等措施。

关键词：企业网银；支付宝；支付方式；意义；城市卡

Abstract: With the deepening of informationization in China, the computer technology gradually enters each industry and fields. Information technology into people's lives, a for people's production and life and learning brought great convenience. This paper grabbed electronic information technology application in bank trading system for mainly describes object, first of enterprise e-currency relevant content of summarizing, then the current usage of the enterprise net silver and functions of the system are introduced, finally to enterprise e-currency system frame structure design is expounded, in actual use process, the enterprise e-currency also exists some problems. Mainly displays in: fund use difficulties, comprehensive operation cost is high; Target market position is not clear, business variety, households can't adapt demand hard to get the indirect benefits, profit channel is relatively single unionpay card there exist certain the masses in the security problem of card silver-colored frame structure has some limitations. Therefore, we need to adopt effective measures to deal with strong, namely, we adopted the enlarge fund investment, strive for the government strongly support, clear market positioning, unceasingly satisfies the customer the demand coordination vested interests involved, reduce cost investment avoid the use of mass card, use more professional CARDS, optimize the structure of net silver.

Keywords: Enterprise e-currency; Pay treasure; Payment; Significance；city card