手机银行发展与安全

The Development and Security of Mobile Banking

随着通信技术的发展，国内各大通讯运营商已经逐步开始由2．5G向3G技术过渡，不同的3G手机逐渐进入人们的生活。手机已经由通话、发短信等单一功能向着智能、多元化应用的方向发展。很多原来只能在电脑上实现的功能也可以在智能手机上得以实现。另外，电子制造技术的进步也使手机的价格大幅降低，智能手机的价格已经从最初5到6千元的下降到1到2千元不等，智能手机逐渐为人们所接受。当手机把收音机、MP3、照相机、撮相机、电视机、PDA等各种功能集于一身，它超出了最初作为单纯的通讯工具的定位、成为人们日常生活的一个重要组成部分，同时也进入了银行业务的空间，即银行业务与手机结合而成的“手机银行”。可以说，手机银行的出现是现代通讯电子技术发展和银行业务相结合的必然产物。

With the development of communication technology, major domestic telecommunications operators have gradually begun the transition from the 2.5G to 3G technology,3G mobile phone gradually into different people＇s lives.Phone has the call,send text messages and other single-function toward the intelligent,the direction of diverse applications.Many of the original can only be achieved on the computer functions can also be achieved on the smartphone.In addition,the electronics manufacturing technology advances to reduce mobile phone prices,price of smart phones has grown from the initial five to six thousand dollars down to 1 to 2 thousand dollars,smart phones and gradually accepted by people.When the phone to the radio,MP3,carnera,camera,TV,PDA and other functions rolled into one,it is beyond the originally simple communications tool as the positioning of daily life become an important part,but also into the Banking space,banking and mobile phone that is a combination of＇mobile banking.＂It can be said,the emergence of mobile banking technology and modem communication electronic banking inevitable product of the combination.