摘要
农村地区移动支付飞速发展,并主导未来农村地区电子支付的发展趋势。农商行作为县域普惠金融的践行者、领跑者,必须深入挖掘移动支付的新时代价值,抢占农村地区移动终端,推进移支金融服务创新,构建"支付+"金融综合服务环境,积极探索发展交易银行,打造线上线下一体化移动金融服务体系,增强服务"三农"和县域经济能力,积极拓展"大零售"业务,夯实未来可持续发展根基。
Mobile payment in rural areas develops rapidly,and will dominate the development trend of electronic payment in rural areas in the future.As the practitioner and leader of Inclusive Finance in county finance market,rural commercial banks must explore the value of mobile payment deeply in the new era,increase market share of mobile terminals in rural areas,promote innovation of mobile payment and accordingly financial services,construct the "payment plus" comprehensive financial service environment,explore and development transaction banking business vigorously,and create integrated mobile financial service online and offline.Business capacity around agriculture,rural areas and rural residents in county finance market should be strengthened,and the "big retail" business area should also be expanded actively.Only in this way,commercial banks can solid the foundation of its sustainable development in the future.
作者
谭华舟
TAN Huazhou(Jiangsu Taicang Rural Commercial Bank Co.,LTD., Jiangsu Taicang 215400,China)
出处
《北京经济管理职业学院学报》
2019年第3期40-49,共10页
Journal of Beijing Institute of Economics And Management
关键词
农村地区
农商行
移动支付
经营转型
rural areas
rural commercial bank
mobile payment
operation transformation
