Research On Mobile Payment In Rural Areas Of Huai Nan

Mobile payment,refers to the consumer to buy goods,access to services using mobile phones and other equipment for online payment of a model,it is also called mobile payment.It is in the rapid development of modern network technology and means of communication came into being,is the inevitable combination of intelligent technology and financial products,including pay treasure wallet,WeChat payment,such as TenPay.Online mobile payment under the requirements of the times continue to innovate,towards the direction of consumer demand,its professional intelligence,efficient and convenient features also make it in the financial market to gain a competitive advantage.Based on China's national conditions,the development of rural economy is still a difficult problem for China's economic development.The rural population is large and mobile,and its economic development has a great impact on the average level of China's economic development,and the residents' choice and use of mobile payment clients in rural areas It is necessary to represent the situation in most parts of China.The rural areas are vast,the population is large,the number of state support projects is increasing,the income of farmers is rising and the disposable funds are increasing.As long as they are good at using these advantages,we can understand the use of mobile payment clients in rural areas,analyze their willingness to use and relevant influencing factors,According to the situation of the relevant mobile payment platform to make specific recommendations,according to the rural economic situation to make appropriate fine-tuning,from the farmers point of view,developed for the use of rural areas,rural areas and more people,for the expansion of the mobile payment market The platform has a significant impact.This paper first elaborates the development process and current situation of mobile payment,and then takes the rural area of Huainan City in Anhui Province as the investigation group to investigate the farmers' understanding and satisfaction with the most popular payment instrument,and the use of the payment client.The impact of banking.Targeted to the needs of farmers as the main point of entry to find the current mobile payment platform for the needs of farmers missing.Huainan City,rural users as the object of study,to age,income,education and other major variables,to be investigated questionnaire,study the use of different variables in the payment of treasure.Based on this,it gives an effective way to optimize the rural mobile payment service for how mobile payment is better for public service.The results show that in rural areas,the use of mobile phones in rural areas is not very common,the overall level of education in rural areas is less than that of cities and towns,but this factor does not affect the willingness of rural users to use.New things and involved in the operation of the network to understand the network service mode to understand the slower;with some shops network payment equipment is not perfect,not yet opened the network payment function,can not pay by Alipay and micro-credit transactions,farmers have not yet fully resolved the payment needs.And then put forward some creative ideas,such as strengthening the promotion efforts;based on the rural population income is generally lower than the characteristics of the town can be appropriate to release the relevant benefits to attract their attention and try;let Huainan rural areas to understand their payment,transfer remittances and so on Safety and convenience,in the early to a certain extent,open Huainan rural network financial services market,for the future to other rural areas to expand the field of service play a demonstration and experimental role.