目前我国普惠金融工作面临的最大难题是如何满足广大欠发达农村地区的金融服务需求，移动支付的发展为破解这一难题提供了机遇。我国农村地区移动互联网网民规模庞大并快速增长，基本实现了无线通信网络全覆盖。移动支付的发展使金融业务移动互联网化，促使互联网金融业务不断创新，同时也存在着安全、消费习惯、政策和商业模式方面的问题。为此，应支持移动支付应用创新，带动移动金融业务快速发展；优化完善相关政策制度，鼓励移动支付在普惠金融方面的应用；加强金融消费权益保护，确保移动金融服务规范发展。%At present, the most difficult task for us in promoting the development of inclusive finance is how to meet the demand of financial service in less developed rural areas;and mobile payment development provides us with the opportunity to solve this problem. Number of internet users has been growing rapidly; and wireless communication network is now almost covering everywhere. The development of mobile payment can not only make mobile financial business realized and promote innovations in internet finance, but also bring us with problems in terms of safety, consumption habit, policy and commerce mode. So, we should, first, give more support to innovation in mobile payment and lead the rapid development of mobile finance;second, we should optimize related policies and systems and encourage the application of mobile payment in inclusive finance; and third, we should strengthen the protection of consumer rights and interests in financial business and guarantee the standardized development of mobile financial service.
展开▼
