CPPCC member Gixiao recommends speeding up the development of mobile finance

With the help of wireless communication technology and the high penetration rate of mobile phone, mobile finance can make up for the shortage of financial services in remote areas "Caixin net" (intern reporter Fei) CPPCC member, chairman of Pudong Development Bank Gixiao submitted proposals, called for speeding up mobile finance and promoting financial benefits.　　Mobile finance refers to the financial institutions with the help of mobile communication technology to provide related financial services, relatively traditional network services and increasingly sophisticated online services, mobile finance has the advantages of low cost and convenient to carry. Gixiao said that the remote areas of our country because of financial institutions entity outlets difficult to cover, but also subject to high computer prices and residents of Internet habits, online financial development sluggish.　　With the help of wireless communication technology and the high penetration rate of mobile phones, mobile finance can make up for these deficiencies and meet the financial needs of people in remote areas.　　However, at present, commercial banks are subject to regulatory requirements, can not use mobile communications company network to provide customers with mobile phone remittance, mobile phone pick-up and other business, coupled with the application environment and ancillary facilities, mobile phone terminal costs are high, interface operation complex and other factors, the promotion of mobile finance business is blocked. In view of the development of multiple factors, Gixiao recommends that the State increase its efforts to develop mobile finance in rural areas, implement the "mobile phone to the countryside", encourage commercial banks to promote and participate in the promotion of rural mobile finance business, and recommend the creation of a relaxed regulatory environment, such as allowing commercial banks and communications operators to Take the current business, strengthen the rural and remote areas of information and communication infrastructure construction, and actively lay POS machines and other merchants to accept terminals.