高手快进来，翻译21～

来源：百度知道 编辑：UC知道 时间：2024/05/14 20:00:55
3.Use of technology: Large banks in the U.S. spend approximately 20% of non-interest expenses on information technology, and this investment shows no sign of abating. Roth and van der Velde (1991) show that a typical large U.S. bank spends $392K per year on platform automation and an additional $502K on upgrading information and transaction processing. There is substantial evidence that information technology (IT) investments improve productivity – empirical evidence estimates return-on-investment from IT of the order of 50–60%. However, this evidence is available for a broad pool of manufacturing and service firms (Lichtenberg, 1995; Brynjolfsson and Hitt, 1996). Brynjolfsson and Hitt (1995) established the existence of firm effects in IT productivity measures. Although they found that the elasticity of IT remains positive and statistically significant for the firms in their pool,
financial services firms were not explicitly included in this an

3.Use of technology: Large banks in the U.S. spend approximately 20% of non-interest expenses on information technology, and this investment shows no sign of abating. Roth and van der Velde (1991) show that a typical large U.S. bank spends $392K per year on platform automation and an additional $502K on upgrading information and transaction processing. 3. 科技的利用：美国的大型银行花费大约20％的非利息性费用，用于信息技术，而这一投资没有显示出减弱的迹象。Roth和van der Velde (1991) 证明，典型的美国大银行每年要在平台自动化上花费39.2万美元，另外50.2万美元则花在升级信息处理和交易处理上。There is substantial evidence that information technology (IT) investments improve productivity – empirical evidence estimates return-on-investment from IT of the order of 50–60%. 有重要的证据表明，信息技术（IT）投资能改善生产效率，经验证据估计，从IT的投资回报率大约为50－60％。However, this evidence is available for a broad pool of manufacturing and service firms (Lichtenberg, 1995; Brynjolfsson and Hitt, 1996). 不管怎样，这一证据适用于广泛的制造企业和服务性企业（Lichtenberg, 1995; Brynjolfsson 和Hitt, 1996)。 Brynjolfsson and Hitt (1995) established the existence of