CAJ | 학술논문

移动信息技术对金融业的渗透，使得金融信息化成为现代金融演进的一个重要方向。移动金融的应用结合了移动互联网技术与金融服务，能够打破行业、时间、空间的限制，推动传统金融服务的创新与变革。本文从四个方面详述了西部地区移动金融发展的客观必要性，特别是在提升金融效率，推动金融创新，拓宽金融覆盖面等方面的作用。在此基础上，提出了西部地区移动金融的发展模式与策略。
이동신식기술대금융업적삼투，사득금융신식화성위현대금융연진적일개중요방향。이동금융적응용결합료이동호련망기술여금융복무，능구타파행업、시간、공간적한제，추동전통금융복무적창신여변혁。본문종사개방면상술료서부지구이동금융발전적객관필요성，특별시재제승금융효솔，추동금융창신，탁관금융복개면등방면적작용。재차기출상，제출료서부지구이동금융적발전모식여책략。
The penetration of mobile information technology into the financial industry has made the financial in-formation an important trend of the modern development of finance. The application of mobile finance combines the mo-bile Internet technology with the financial services, which breaks the restrictions of industry, time and space, and promotes the innovation and reform of traditional financial services. This article describes the objective necessity of the development of mobile finance in western China from four aspects,especially in terms of the promotion of financial ef-ficiency, financial innovation and the broadening of financial coverage. On this basis, this article puts forward some recommendations about the development mode and strategy of mobile finance in western China.