| With the rapid development of the Internet, the rise of the Internet to our traditional bank finance has brought unprecedented pressure, but this emerging mobile banking financial product for traditional bank gives a new meaning, mobile banking is becoming a strategic transformation of traditional banks breakthrough. Mobile banking convenient features to meet today’s fast-paced pace of life of people, to improve the way people work, study and life efficiency. With the rise of 3G and 4G networks in the popularity of mobile banking development prospects are very bright, the development of mobile banking was truly a financial service anytime, anywhere, and laid the foundation for the transformation of banking and financial institutions. Since the development of mobile banking is still in its embryonic stage, the relevant laws and policies as well as the operation mode are far from per fect, and this created some problems in the development of this article as a starting point to China’s commercial banks for mobile banking offer some development suggestions.Given the importance of mobile banking in the tide of the rapid development of information technology, research the feasibility of the business development of mobile banking in China and to identify the problems encountered in the development and proposed development of coping strategies on the problems they face is mobile banking urgent business development. Firstly, the feasibility of the development of mobile banking from commercial banks in China, the problems encountered in the development were studied and analyzed in terms of feasibility, mainly from China’s mobile phone banking PEST analysis development environment, respectively, on the political environment, economic environment, social environmental and technical aspects of the environment are analyzed, providing a reliable and stable macroeconomic environment for China’s commercial banks to develop mobile banking feasibility; present our analysis of the demand for mobile banking, mobile banking on user scale, transaction size and handling the size of the funds have confirmed the strong demand for mobile banking, commercial banks listed on our development efforts to support mobile banking and mobile banking operation mode of our choice reflects the feasibility of mobile banking in our country; secondly to China business development, mobile banking problems arising in the course of the analysis, the main problem is the popularity of user and satisfaction, security, and policies and regulations to improve aspects; and finally the problems raised above analysis relevant suggestions: the popularity of the user on customer segments, tailored to the different financial products; on customer satisfaction, strengthen propaganda, service innovation; mainly from the application, banks and operators of resource sharing and mobile banking operation mechanism of electronic money in terms of safety elaborate; mainly elaborated from government support, cooperation and social credit system in terms of regulatory policies and regulations. In addition, this paper is based on literature research study, in the analysis of selection of mobile banking related operating modes, namely the United States, Kenya, Sweden and the Philippines, mobile banking operation modes are analyzed in detail, and from selected for China’s mobile phone Banks operating mode, namely(mutual cooperation between banks and telecom operators, auxiliary plus third-party payment agencies) Philippine mobile banking operation mode.In summary, this paper analyzes inevitably there will be some problems, but strong demand for the development of market economy, mobile banking offers a lot o f space, with the continuous development of mobile Internet, mobile banking will become a model of banking services, I believe the popularity of mobile banking is only a matter of time. |
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