With the rapid development of computer and communication technology in the banking sector, replacing paper-based payment system with electronic fund transfer (EFT) system has become a new trend in the field of banking service.

• 随着计算机技术和通信技术在银行部门的广泛应用及迅速发展，电子资金划拨制度取代传统的单据交付制度已成为一个新的趋势。