普惠金融视角下农村手机银行发展问题及对策--基于粤西地区农村调研

Research on the Problems and Countermeasures of Rural Mobile Banking in the Perspective of Pratt and Whitney Finance:Based on Rural Research in Western Guangdong

随着网络技术的快速发展和手机的智能化、移动化、信息化,银行机构的业务逐步向移动端转移,目前绝大多数银行机构在大力推广农村手机银行的应用。对粤西地区农村手机银行发展情况进行调研,分析其中存在的问题,从金融供给体系、收费标准、安全保障、宣传等方面提出完善措施,以期促进我国农村手机银行发展。

At the present stage,with the rapid development of network technology and the mobile and information technology,the banking institutions' business is gradually moving towards the mobile end. At present,the vast majority of banking institutions are promoting the application of rural mobile banking. Through the research on the development of rural mobile banking in western Guangdong,the paper analyzes the existing problems and puts forward the corresponding improvement measures from the aspects of financial supply system,charge standard,safety guard and propaganda,with a view to promoting the development of rural mobile phone banks in China.