我国移动金融产业发展趋势的思考与探索

发布时间：2019-06-12 20:12

【摘要】：移动信息技术的应用打破了时间、空间、行业间的阻隔,为传统金融机构的发展提供了广阔的创新空间。移动信息技术的飞速发展,对传统金融机构金融服务的提供手段产生了重大而深远的影响。在安全性、便捷性、灵活性等诸多方面,打破了以往传统金融机构的金融服务方式,使其发生了根本性的变革。随着移动信息技术的植入,与传统金融机构所提供的金融服务不同,新的金融服务方式具备了移动的特征,金融领域传统的固化站点、区域化的服务方式等限制都被打破,有效突破了时间和空间所带来的限制,可以随时随地为身处不同地域的客户提供二十四小时不间断的全方位贴心金融服务。可以说,移动信息技术日新月异的迅猛发展速度,为传统金融机构助力良多,为其提供了全面拓展金融业务的广阔空间。众所周知,金融业是所有产业中收益最高也是对市场反应最敏感的产业,对于金融信息化的建设一直是国内外广大金融公司所投入的重中之重。提升内部效率降低沟通成本同时提供更多的渠道来服务于金融客户是金融信息化的根本出发点。移动金融正是新时期移动互联网时代金融信息化发展的必然趋势。因此,我们有必要对移动金融产业,进行深入的研究和解构,通过对产业链的梳理,剖析引领产业发展的主导角色；通过国外运营经验以及国内发展状况的对比,给予行业各方以启示。
[Abstract]:The application of mobile information technology breaks the barrier between time, space and industry, and provides a broad innovation space for the development of traditional financial institutions. The rapid development of mobile information technology has a great and far-reaching impact on the means of providing financial services to traditional financial institutions. In many aspects, such as security, convenience, flexibility and so on, the financial service mode of the traditional financial institutions has been broken, and fundamental changes have taken place. With the implantation of mobile information technology, different from the financial services provided by traditional financial institutions, the new financial service mode has the characteristics of mobile, the traditional solidified sites in the financial field, the regional service mode and other restrictions have been broken, effectively breaking through the limitations brought by time and space, and can provide 24 hours of all-round intimate financial services for customers in different regions at any time and anywhere. It can be said that the rapid development of mobile information technology has helped traditional financial institutions a lot and provided a broad space for them to expand their financial business in an all-round way. As we all know, the financial industry is the industry with the highest income and the most sensitive to the market response, and the construction of financial information has always been the most important investment of the majority of financial companies at home and abroad. Improving internal efficiency and reducing communication cost while providing more channels to serve financial customers is the fundamental starting point of financial informatization. Mobile finance is the inevitable trend of the development of financial informatization in the new era of mobile Internet. Therefore, it is necessary for us to study and decomstruct the mobile financial industry in depth, analyze the leading role of the industry development through combing the industrial chain, and give enlightenment to all parties in the industry through the comparison of foreign operation experience and domestic development.
【学位授予单位】：福建师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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