【摘要】：移動信息技術(shù)的應(yīng)用打破了時間、空間、行業(yè)間的阻隔,為傳統(tǒng)金融機構(gòu)的發(fā)展提供了廣闊的創(chuàng)新空間。移動信息技術(shù)的飛速發(fā)展,對傳統(tǒng)金融機構(gòu)金融服務(wù)的提供手段產(chǎn)生了重大而深遠的影響。在安全性、便捷性、靈活性等諸多方面,打破了以往傳統(tǒng)金融機構(gòu)的金融服務(wù)方式,使其發(fā)生了根本性的變革。隨著移動信息技術(shù)的植入,與傳統(tǒng)金融機構(gòu)所提供的金融服務(wù)不同,新的金融服務(wù)方式具備了移動的特征,金融領(lǐng)域傳統(tǒng)的固化站點、區(qū)域化的服務(wù)方式等限制都被打破,有效突破了時間和空間所帶來的限制,可以隨時隨地為身處不同地域的客戶提供二十四小時不間斷的全方位貼心金融服務(wù)。可以說,移動信息技術(shù)日新月異的迅猛發(fā)展速度,為傳統(tǒng)金融機構(gòu)助力良多,為其提供了全面拓展金融業(yè)務(wù)的廣闊空間。 眾所周知,金融業(yè)是所有產(chǎn)業(yè)中收益最高也是對市場反應(yīng)最敏感的產(chǎn)業(yè),對于金融信息化的建設(shè)一直是國內(nèi)外廣大金融公司所投入的重中之重。提升內(nèi)部效率降低溝通成本同時提供更多的渠道來服務(wù)于金融客戶是金融信息化的根本出發(fā)點。移動金融正是新時期移動互聯(lián)網(wǎng)時代金融信息化發(fā)展的必然趨勢。因此,我們有必要對移動金融產(chǎn)業(yè),進行深入的研究和解構(gòu),通過對產(chǎn)業(yè)鏈的梳理,剖析引領(lǐng)產(chǎn)業(yè)發(fā)展的主導(dǎo)角色；通過國外運營經(jīng)驗以及國內(nèi)發(fā)展狀況的對比,給予行業(yè)各方以啟示。
[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.
【學(xué)位授予單位】：福建師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.2

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