The paper focuses on the old bank system using multiplexer to link terminals into network that can not meet the need of the banks and advances a new terminal accessing method which is called router ' s dumb terminal accessing technology 本文針對銀行原來的多路復用器終端接入方式不能滿足銀行業(yè)務發(fā)展的需要而提出了一種新的終端接入方式即路由器啞終端接入方式。