农村银行在为农村贫困社区提供移动货币服务中的作用--农村银行与现有移动通信基础设施的有效整合途径
The Role of Rural Banks in Providing Mobile Money Services to Rural Poor Communities: An effective integration approach of Rural Banks and existing mobile communications infrastructure
摘要：
移动电话的迅速普及意味着，在许多低收入国家，移动用户的数量可能已经超过了银行存款的人数。移动电话还可以为发起和执行在线金融交易提供通信渠道。这一渠道不仅可以降低提供者和客户的金融交易成本，而且还允许新的参与者进入金融部门，并形成新的关系来提供服务。这些变化有望在移动基础设施的支持下加快金融服务的获取。移动电话提供了巨大的希望，以低得多的交易成本促进农村和贫困家庭的资金流动，将银行带到目前没有银行服务的人身边。实现这一承诺需要所有利益攸关方密切合作。但大多数农村银行没有为客户提供手机银行服务。这使得移动货币金融服务的全部潜力和好处难以实现。大多数电信服务提供商仅为其用户提供移动货币服务，而没有采取综合办法将农村银行系统纳入其现有服务，这使得很难充分利用移动金融市场。本文着眼于现有的移动货币服务，并采取积极的积极优势，有效的整合方法的农村银行和现有的移动通信基础设施，以及提出了一个模型，这样的整合。
英文摘要：
The rapid spread of mobile phones means that the number of mobile users may already exceed the number of banked people in many low income countries. Mobile phones can also offer a communications channel for initiating and executing on-line financial transactions. This channel may not only reduce the cost of financial transactions for provider and customer, but also allow new entrants to the financial sector, and new relationships to be formed for distributing services. These changes hold the prospect of accelerating access to financial services on the back of the mobile infrastructure. Mobile telephony offers tremendous promise to facilitate the flow of money among rural and poor families at much lower transaction costs, bringing the bank to those currently unbanked. Realizing this promise will require close collaboration among all stakeholders. But most rural banks do not have mobile banking services for their customers. This made it difficult for the full potential and benefits of mobile money financial services to be realized. Most telecommunication service providers run mobile money service solely for their subscribers without an integrated approach of incorporating and integrating rural banking systems into their existing services this makes it difficult for a full fledge exploitation of the mobile financial market. This paper looks at the existing mobile money services and takes critical look at the positive advantages of effective integration approach of Rural Banks and existing mobile communications infrastructure as well as proposing a model for such integration.
机构、总结、中文摘要均由AI分析而来，可能存在错误，请以论文正文为准。
