摘要
移动金融代表银行发展方向。信息技术使传统货币数字化,推动银行移动金融快速发展,也带来网络平台货币化和电子商务金融化,对银行形成压力和挑战。普惠金融有助于解决脱贫问题,而且可以引导超高储蓄流向消费和投资,改善民生,拓展财富积累新途径。未来银行将是现在银行的延续和发展。在可预期的未来几年,大型银行继续起主导作用,移动金融业务将快速发展,主要表现在:线上和线下一体化融合,成为未来银行主要运营模式;既竞争又合作,基本实现互联互通;大力发展标准化产品,提高金融产品的覆盖面和渗透率;识别客户行为,系统控制和化解风险。
Mobile finance represents the trend of banking development. Information technology makes traditional currency digitalize, network platform create currency, and e-commerce provide financial services, which brings about pressures and challenges to banks. Inclusive finance helps solve the poverty problem, convert the ultra-high deposits into consumption and investment, improve people's livelihood, and develop new ways of wealth accumulation. The future banks will be the continuation and development of the present banks. In the next expected few years, the large banks will still play leading roles and the mobile finance business will develop rapidly. It will be witnessed that the integration of online and offline becomes the main operating mode of the future banks; banks compete and cooperate each other, and link almost thoroughly; the standardized products are developed greatly, and the coverage and permeability are improved; the identification of customer behavior, system control and risk prevention are paid attention to.
出处
《金融论坛》
CSSCI
北大核心
2015年第2期3-11,共9页
Finance Forum
关键词
银行
移动金融
货币数字化
财富积累
bank
mobile finance
currency digitizing
wealth accumulation
