摘要
移动互联网金融的产生条件逐渐成熟,主要包括终端普及、移动电子支付与移动支付兴起、3G网络进一步普及与4G的起步、第三方支付牌照及民营银行等金融改革政策的支持与民众理财意识的普遍提升等。移动互联网金融将呈现规模化发展加速、市场竞争主体多元化衍生泛金融生态圈、遵循"端-服务-产品"的发展路径的趋势,并面临着来自安全性风险、泛金融生态圈的行业监管、野蛮生长与同质化竞争以及金融创新评价等方面的挑战。
The financial condition of the mobile interact is getting mature, which includes terminal popularized, mobile electronic payments rising, 3G/4G network started, and private banks established, etc. Mobile interact banking will accelerate its development, and the pan-competitive financial ecosystem is the new trend. Besides, the ＂End-Service-Product＂model should be the typical path for the new ecosystem, while the system faces some security risks and other challenges.
出处
《南方金融》
北大核心
2014年第3期31-34,共4页
South China Finance
关键词
移动互联网
互联网金融
产生条件
发展趋势
挑战
Mobile Internet
Mobile Internet Banking
Generating Condition
Trend
Challenge
