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农村金融服务的基础是通过农村支付来体现的,改善农村支付环境在农村金融基础建设中有重大意义。如何满足我国目前大部分农村不发达地区的金融服务需求是我国面临金融工作方面最大的难题。为解决这个问题移动支付的发展为其创造了机会。目前我国移动互联网在农村地区的规模呈不断扩大并飞快发展的趋势,无线通信网络在农村基本上达到了全覆盖的局面。虽然互联网金融业务和移动互联网化随着移动支付的飞快发展展现新的局面,但是同时也在商业模式、政策、消费习惯、安全等方面都存在一些问题。因此,为确保移动金融服务向正规的方向发展必须加强保护金融消费权益;鼓励移动支付在农村金融方面相关的应用,并对相关政策制度进行优化完善;积极支持和带动移动支付的技术应用创新与金融业务快速的发展。
The foundation of rural financial services is reflected through the rural payment, and improving the rural payment environment is of great significance in the rural financial infrastructure construction. How to meet the current needs of financial services in most underdeveloped rural areas in our country is the biggest challenge that our country faces in its financial work. To solve this problem, the development of mobile payment has created an opportunity for it. At present, the scale of China’s mobile Internet in rural areas has been expanding and rapidly developing trend, the wireless communication network in rural areas basically reached the full coverage of the situation. Although the Internet finance business and mobile Internet have shown a new situation with the rapid development of mobile payment, there are still some problems in terms of business models, policies, spending habits and security. Therefore, to ensure that mobile financial services develop in a regular direction, we must strengthen the protection of the rights and interests of financial consumption; encourage the application of mobile payment in rural finance and optimize and perfect related policies and regulations; and actively support and drive the innovation and application of mobile payment technologies The rapid development of financial business.