我国手机银行的发展现状及监管对策

发布时间：2018-03-25 07:26

本文选题：手机银行　切入点：移动支付　出处：《山东大学》2013年硕士论文

【摘要】：1996年,捷克斯洛伐克推出了世界上第一个商业性运作的手机银行,其后,各国商业银行也纷纷推出手机银行业务。如今,历经近20年的进化与升级,手机银行已经成长为众多金融机构提供的一项非常普遍的金融服务。从全球的整体发展状况来看,欧美地区的手机银行起步较早,但受传统的消费习惯影响,手机银行尚未成为主流的支付方式；日韩手机银行的发展最为成熟,用户接受度较高；菲律宾、肯尼亚等发展中国家变革性的手机银行,依托发达的零售代理商网络,拓宽了农村的金融服务渠道,为低收入人群获取正规金融服务提供了便利。国内的手机银行业务兴起于1999年。后几经波折,近年来,由于3G网络的推广、智能手机的普及以及各项政策措施的出台与完善,我国的手机银行业务迎来了一个快速发展的阶段。商业银行、移动运营商、第三方支付企业等各参与主体,不断推出更加方便、快捷、个性化的手机银行产品,以抢占市场地位与市场份额,尤其是在手机支付领域展开了激烈的市场竞争。相对于手机银行发展的如火如荼,国内对该业务的监管却一直处于比较滞后的状态。而手机银行作为一种新型的金融服务,有其特有的风险与安全问题,需要予以适当的监管。因此,亟需对当前我国手机银行的监管现状进行分析,并提出切实有效的完善改革建议。本文从国内手机银行的发展现状和监管现状两个方面展开分析,指出现阶段我国手机银行业务的诸多监管漏洞,比如,手机银行监管法律体系不完善、监管部门之间协调性差,缺乏信息披露制度,缺乏对金融消费者权益的保护。在文章的最后,笔者借鉴国际上手机银行的发展现实和监管经验,提出了完善手机银行监管的对策建议,以保证既能有效地控制业务风险,维持行业稳定发展,又能够确定公平的竞争原则,为手机银行创造良性的市场竞争环境。
[Abstract]:In 1996, Czechoslovakia launched the world's first commercial mobile bank, and then commercial banks from all over the world also launched mobile banking business. Now, after nearly 20 years of evolution and upgrading, Mobile banking has grown into a very common financial service provided by many financial institutions. Judging from the overall development of the world, mobile banking in Europe and America started early, but under the influence of traditional consumption habits, mobile banking has not yet become the mainstream payment method. The development of mobile banks in Japan and Korea is the most mature. The mobile phone banks in developing countries such as the Philippines and Kenya, relying on the developed network of retail agents, broaden the channels of rural financial services and provide convenience for low-income people to access formal financial services. Domestic mobile banking business rose in 1999. After several twists and turns, in recent years, due to the promotion of 3G networks, the popularity of smart phones and the introduction and improvement of various policies and measures, The mobile banking business in our country has ushered in a rapid development stage. Commercial banks, mobile operators, third-party payment enterprises, and other participating parties, continue to launch more convenient, fast, personalized mobile banking products. In order to seize the market position and market share, especially in the field of mobile phone payment launched fierce market competition. In contrast to the rapid development of mobile banking, domestic supervision of the business has been lagging behind. As a new type of financial service, mobile banking has its own risks and security problems. Therefore, it is urgent to analyze the current situation of mobile banking supervision in China, and put forward practical and effective suggestions to improve the reform. This paper analyzes the current development and supervision of mobile banking in China, and points out that the legal system of mobile banking is not perfect. There is poor coordination among regulators, lack of information disclosure system, lack of protection of the rights and interests of financial consumers. At the end of the article, the author draws lessons from the development reality and supervision experience of mobile banking in the world. The paper puts forward some countermeasures and suggestions to improve the supervision of mobile banking, so as to ensure the effective control of business risks, maintain the steady development of the industry, and determine the principle of fair competition so as to create a benign market competition environment for mobile banking.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.3

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