Promote the development of rural mobile finance

Rural areas are the weak areas of financial services in China, and mobile finance is an important platform to achieve inclusive finance. The economy of our rural areas is backward, the transportation is inconvenient, the network of financial institutions is less, and the financial resources and financial services need to be improved. Therefore, the development of mobile finance is one of the effective ways to speed up the construction of inclusive finance in rural areas.

In recent years, the rapid development of rural e-commerce shows that as long as it is well guided, mobile finance may become a "new fashion" in rural areas. At present, the supporting facilities in rural areas, such as the construction of telecom base stations and the layout of payment equipment, are not perfect, and the mobile communication signals in some rural areas are unstable. The research and development of mobile financial products and technologies are not enough, traffic costs and transaction costs are high, and security issues need to be strengthened. Farmers' awareness of mobile finance is weak, and there are doubts about its safety.

The author believes that to promote the development of mobile finance in rural areas, efforts should be made to strengthen the following measures:

First, strengthen the construction of supporting facilities for rural mobile finance. Build a mobile financial infrastructure with the public service platform as the core, reasonably share the construction costs, and promote telecom operators to strengthen the construction of rural telecom base stations and encrypt the layout of telecom base stations. Encourage and support enterprises to build a TSM system in line with financial industry standards and relevant information security requirements, establish a multi-level basic protection system for mobile financial information security, strengthen cooperation and cross-industry coordination between upstream and downstream of the industrial chain, build an interconnected, secure and reliable mobile financial infrastructure system, build secure and reliable air transmission channels for users, and do a good job of online and offline business integration of mobile financial public services.

The second is to strengthen the research and development of rural mobile financial products and technologies. Research and promote bank card products with farmers' characteristics, constantly enrich the functions of bank cards, and make bank cards become the "convenient lane" of farmers' life. We will support enterprises to explore and innovate in the areas of mobile credit, credit services, real-name authentication, online payment and mobile banking, and customize personalized financial products and services according to the characteristics and needs of farmers.

We will actively promote and participate in the promotion of new rural mobile financial services, reduce the prices of mobile financial services, and provide more preferential transaction rates for rural users, so that low-income people can afford and save on them. We will continue to improve the enthusiasm of farmers to use mobile terminals to handle financial business.

The third is to strengthen the publicity and education of rural financial knowledge. Make full use of television, websites, knowledge competitions and literary works and other carriers to carry out various forms of rural financial publicity and education loved by farmers. In terms of the content of propaganda and education, we should keep close to the reality of rural farmers and transmit to them the financial knowledge that farmers need and use most in an interactive way that can be understood and explained clearly. We will increase publicity and education on financial knowledge among cadres of grass-roots village committees, village group leaders, and villagers' representatives, and train these grass-roots cadres to be leaders in the study and application of rural financial knowledge. We should do a good job in the financial publicity and education of migrant workers, and carry out in-depth publicity and education activities on financial knowledge of migrant workers when they return home to visit their relatives during the Spring Festival and other holidays.