How to Promote the Development of Rural Mobile Finance
Rural areas are a weak link in our country's financial services, and mobile finance is an important platform for achieving inclusive finance. Our country's rural areas have a backward economy, inconvenient transportation, and few financial institution outlets, and financial resources and financial services need to be improved. Therefore, developing mobile finance is one of the effective ways to accelerate the building of rural inclusive finance.
The rapid development of rural e-commerce in recent years shows that, with proper guidance, mobile finance may become a "new fashion" in rural areas. At present, supporting facilities in rural areas, such as the construction of telecommunications base stations and the layout of payment equipment, are incomplete, and mobile communication signals in some rural areas are unstable. R&D on mobile financial products and technologies is insufficient, traffic fees and transaction fees are relatively high, and security issues still need to be strengthened. Farmers have a weak awareness of mobile finance and have doubts about its security.
The author believes that to promote the development of mobile finance in rural areas, efforts must be focused on strengthening the following measures:
First, strengthen the construction of supporting facilities for rural mobile finance. Build mobile financial infrastructure with a public service platform as the core, reasonably share construction costs, push telecom operators to strengthen the construction of rural telecom base stations, and increase the density of telecom base station layout. Encourage and support enterprises in building TSM systems that meet financial industry standards and relevant information security requirements, establish a multi-level basic protection system for mobile financial information security, strengthen upstream and downstream collaboration in the industrial chain and cross-industry coordination, build an interconnected, secure and trustworthy mobile financial infrastructure system, create a secure and trustworthy air transmission channel for users, and provide mobile financial public services that integrate online and offline business well.
Second, strengthen R&D on rural mobile financial products and technologies. Research, develop and promote bank card products suited to farmers' characteristics, continuously enrich the functions of bank cards, and make bank cards a "fast lane" in farmers' lives. Support enterprises in exploring innovation in areas such as mobile credit, credit services, real-name authentication, online payment and mobile banking, and tailor personalized financial products and financial services according to farmers' characteristics and needs.
Actively promote and participate in the rollout of new rural mobile finance business, lower the prices of mobile financial services, provide rural users with more favorable transaction rates, make them affordable and economical for low-income people, and continuously increase farmers' enthusiasm for using mobile terminals to handle financial business.
Third, strengthen publicity and education on rural financial knowledge. Make full use of various carriers such as television, websites, knowledge contests and literary and artistic works to carry out rural financial publicity and education in diverse forms that farmers enjoy. In terms of publicity and education content, keep closely to the realities of rural areas and farmers, and convey the financial knowledge farmers need most and can use in an interactive way that is easy to understand and explain clearly. Increase publicity and education on financial knowledge for grassroots village committee cadres, village group leaders and village representatives, and train these grassroots cadres into leaders in learning and applying rural financial knowledge. Do a good job in publicity and education on financial knowledge for migrant workers, and during holidays such as the Spring Festival when migrant workers return home to visit relatives and celebrate the festival, carry out in-depth publicity and education activities on financial knowledge for migrant workers.