金融理论与实践
金融理論與實踐
금융이론여실천
Financial Theory and Practice
2015年
7期
99~103
,共null页
移动金融 智能金融 金融业态
移動金融 智能金融 金融業態
이동금융 지능금융 금융업태
mobile finance; brainpower finance; type of finance
尝试以金融业的溯源和转变为线索,剖析了以网点机构为代表的物理金融、以网上银行为达标的电子金融和以手机银行为代表的移动金融三大发展业态。在此基础上,分析当前以手机终端模式的移动金融业态的三项不足,并提出一种新型移动金融业态。这种新型业态暂定名为“智能金融业态”,它具备设备个性可穿戴、低碳环保、线下交互、安全私密和智慧高效等五大主要特征。未来,金融业态很可能实现由移动金融业态向智能金融业态的升级,满足客户更广更深层次的需要。
嘗試以金融業的溯源和轉變為線索,剖析瞭以網點機構為代錶的物理金融、以網上銀行為達標的電子金融和以手機銀行為代錶的移動金融三大髮展業態。在此基礎上,分析噹前以手機終耑模式的移動金融業態的三項不足,併提齣一種新型移動金融業態。這種新型業態暫定名為“智能金融業態”,它具備設備箇性可穿戴、低碳環保、線下交互、安全私密和智慧高效等五大主要特徵。未來,金融業態很可能實現由移動金融業態嚮智能金融業態的升級,滿足客戶更廣更深層次的需要。
상시이금융업적소원화전변위선색,부석료이망점궤구위대표적물리금융、이망상은행위체표적전자금융화이수궤은행위대표적이동금융삼대발전업태。재차기출상,분석당전이수궤종단모식적이동금융업태적삼항불족,병제출일충신형이동금융업태。저충신형업태잠정명위“지능금융업태”,타구비설비개성가천대、저탄배보、선하교호、안전사밀화지혜고효등오대주요특정。미래,금융업태흔가능실현유이동금융업태향지능금융업태적승급,만족객호경엄경심층차적수요。
The paper tries to analysis the types including physical finance representative of bank outlets, electronic finance representative of internet banking, and mobile finance representative of mobile banking which based on the finance headstream and transformation. Then, we analyze three shortages of mobile finance using of mobile phone and propose another new type of mobile finance. Thus, it named type of brainpower finance temporarily, and it has personality to dress, economy to use, off-line to transact, security to keep and wisdom to control. In the future, brainpower finance may take the place of mobile finance to satisfy much wider and deeper demands from customers.
