6(106)200311CollectedEssaysonFinanceandEconomicsNumber6(GeneralSerialNo.106)November,2003:2003209206:(19592),,,:,199610(,310012):20,,,,,,,:;;;;MIS:F275:A:100424892(2003)0620081205(CNNIC),2003630,6800,,,,,20,,,,????,,1.,,,Internet,,,,1996,,,,1998,InternetIntranet,Internet18(1),,6800,2500,,,,,,,,11997110199817199911199917200011200017200111200117200211200217200311200317()29195412741714635065089210021254161320832572()62117152104008901690225026503370458059106800:CNNI2.,,,,,,,,,,,,,,,,PC,,,,,,,(https://ibsbjstar.ccb.com.cn/),,,,,,,,,,,,,2820036,,,,,3.,,,,,,,,,,,,,,,,,,,,PC,,,,,,1.:(1),,,,,,,(),,,,;,,,,,(2),,,,,,:;,,;,,,,38,,,,,,,,,,,,,,,,,,,:2.,,INTERNETINTRANET,,(1),,,:,,;,,,,,(2),,,,,,,,,(3),,,,4820036:21,20011MIS,,,(MIS),MISMIS206070(MRP),80(MRP),90(ERP)ERP,;,,,,(ERP),,B2BB2C,C2C,,,,,,,:[1].:[J].,1999,(11).[2].[J].,2001,(5).[3].[J].,2001,(11).CentralizationandCooperation-theMarrowofNetworkFinanceWANGYan(SchoolofInformationTechnology,ZhejiangUniversityofFinanceandEconomics,Hangzhou310012,China)Abstract:Withtheappearanceoffinancialmanagementsoftware,internetandelectroniccommerceattheendofthe20thcentury,anewmodelofnetworkfinancehasbeenintroducedintofinancialmanagementandithasbecomeahotissueinthefieldoffinancialstudies.Thepresentpaperfirstanalyzestheconceptofthenetworkfinance,andthenpointsoutthattime,spaceandefficiencyareitsthreecharacteristics.Allthesecharacteristicsbringobouttherevolutionofanewmodeloffinancialmanagement,which,inessence,embodiesacentralmanagementandacooperativebusinessinfunction.Theauthoralsoexpoundsthetendencyofcombiningnetworkfinancewithmanagementinformationsystemandelectroniccommerce.Keywords:centralization;cooperation;networkfinance;electroniccommerce;MIS(:)58