我国西部地区移动金融的发展思考与策略探索

Thoughts and Strategy Exploration on the Development of Mobile Finance in Western China

移动信息技术对金融业的渗透,使得金融信息化成为现代金融演进的一个重要方向。移动金融的应用结合了移动互联网技术与金融服务,能够打破行业、时间、空间的限制,推动传统金融服务的创新与变革。本文从四个方面详述了西部地区移动金融发展的客观必要性,特别是在提升金融效率,推动金融创新,拓宽金融覆盖面等方面的作用。在此基础上,提出了西部地区移动金融的发展模式与策略。

The penetration of mobile information technology into the financial industry has made the financial information an important trend of the modern development of finance. The application of mobile fmance combines the mobile Internet technology with the financial services, which breaks the restrictions of industry, time and space, and promotes the innovation and reform of traditional financial services. This article describes the objective necessity of the development of mobile finance in western China from four aspects, especially in terms of the promotion of financial ef- ficiency, financial innovation and the broadening of financial coverage. On this basis, this article puts forward some recommendations about the development mode and strategy of mobile finance in western China.