非洲国家手机银行经验借鉴及其对我国的启示

The Experience of the Mobile Banking of African Countries and the Enlightenment to China

近年来,随着国内银行电子化、网络化、信息化水平大幅提升,手机银行已成为银行业务发展的新突破点。由于其交易便捷、布局成本低等优点,在弥补农村地区金融空白方面优势明显。本文通过对非洲主要国家手机银行运行发展情况进行简要综述,指出目前我国手机银行普及率低的主要原因,并提出加快我国农村地区手机银行发展的政策建议。

In recent years, with the great progress of electronic, network, informationization level of domestic banks, the mobile banking has become a new breakthrough in the development of banking business. Because of its advantages in convenient trading and low-cost layout, it has obvious advantages in terms of making up rural financial gap. The paper briefly reviews the development of the mobile banking operation of major African countries, points out the main causes of low popularization of mobile phones in China, and puts forward policy suggestions to accelerate the development of the mobile banking of China's rural areas.