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手机银行可以提高农村的金融服务意识,也可以有效的降低农民对金融服务的费用,开发农村的金融服务新渠道.所以,手机银行是实现金融包容农村的重要手段和途径。根据我国农村手机银行业务的发展,农村对手机银行的需求,农村手机银行的发展条件,我国在农村主题发展金融机构,再用移动运营商为辅助的两种发展模式进行,都有各自的优势和条件,所以,农村手机银行需要不同的推广途径。本文对金融包容视角下,农村手机银行发展进行了分析和探讨,望能促进农村手机银行的发展。
Mobile banking can raise the awareness of financial services in rural areas, and also can effectively reduce the cost of farmers’ financial services and develop new channels of financial services in rural areas. Therefore, mobile banking is an important means and means of achieving financial inclusion in rural areas. According to the development of rural mobile banking in our country, the rural demand for mobile banking, the development conditions of mobile banking in rural areas, the development of financial institutions in rural areas in our country, and then the mobile operators to support the development of the two modes have their own advantages And conditions, therefore, rural mobile banking need different ways to promote. This article analyzes and discusses the development of mobile banking in rural areas from the perspective of financial inclusion, hoping to promote the development of mobile banking in rural areas.