中小商业银行手机银行业务发展研究

The Research on the Development of Mobile Banking Business of Small and Medium-sized Commercial Banks

手机银行作为一种新型的银行金融业务,具有实时、便捷、成本低的特点,而中小商业银行的经营特点和服务的特殊客户群体决定了开办手机银行具有先天的优势。本文分析了中小商业银行开办手机银行的意义和市场环境,并对中小商业银行开办手机银行的特点进行分析,提出相关建议。

As a new kind of banking financial business, mobile banking has the characteristics of real-time, convenience and low cost, the operating characteristics of small and medium-sized commercial banks and the special customer group whom they provide the service for make them having the congenital advantage to set up mobile banking. The paper analyzes the significance, market environment and characteristics of setting up mobile banking by small and medium-sized commercial banks, and puts forward relevant suggestions.