2012 China Banking Industry - Top ten trends and outlook(9)

2012 China Banking Industry - Top ten trends and outlook

六、手机银行将逐步迈入移动VI. Mobile banking in China is easing into an era of 金融服务时代mobile financial services

Economic changes make it difficult to maintain rapid In 2011, mobile banking in China developed steadily. growth by relying on traditional banking business alone, Year over year increases in cell phone users in China, leading commercial banks to pursue growth in non-particularly smart phone users, have created a ready traditional realms. As an electronic business channel, user population for the growth of the mobile banking mobile banking has become a catalyst for enhancing the business. As of the end of October 2011, the number of overall performance of banks. Improvements to mobile cell phone users in China reached 964 million, and 3G 2011年，中国手机银行稳步发展。中国逐年financial products and services help banks to expand users exceeded 110 million. In addition, upgraded speed 增加的手机用户，尤其是智能手机用户，成为and cultivate a stable and solid customer base, increase and improved quality with regard to mobile Internet 发展手机银行业务庞大的潜在用户群。截止到customer loyalty and service use, hence raising business transmission, as well as the increasing maturity in cell 2011年10月底，中国手机用户数达9.64亿，loan and payment volume. Mobile financial services phone platforms and applications, have laid a sound 3G用户数超过1.1亿。另外，移动互联网传require that banks not only deem it as an expansion foundation for mobile banking.输速度的提升和质量的改善37 As of June 2011, the ，以及手机平台开from traditional functions to mobile terminals, but also number of users of mobile banking in China exceeded 发的日趋成熟和应用程序的不断丰富，也为发consider potential, innovative mobile Internet features to 70 million, representing nearly 45 percent of the total 展手机银行奠定了良好的技术应用基础37。截meet financial demand and build competitive edge.mobile banking users around the world.至2011年6月，中国手机银行用户数已超过38Global mobile financial services show enormous user 7000万，占全球手机银行用户的近45% 38In 2010, the advantages of mobile banking in user client 。potential and the Asia-Pacific region will become the form became apparent, and it has become the forerun-中国手机银行以WAP和客户端模式为主，而most important regional market. Swedish market ner for mainstream models of mobile banking. As of 随着移动终端的智能化，从2010年开始，客research company BergInsight estimates that by 2015, June 2011, almost all major domestic banks had rolled 户端模式的手机银行的优势越来越明显，将成mobile banking and related business transactions will out WAP versions of mobile banking and more than ten 为手机银行的主流模式。截至2011年6月，reach 894 million users worldwide, reflecting compound banks introduced user client mobile banking, including 国内主要银行基本均已推出了WAP版手机银growth of 59.2 percent compared with the 55 million China Merchants Bank, Industrial and Commercial Bank 行，同时包括招商银行、工商银行、中国银行、users in 2009. The number of users in the Asia-Pacific of China, Bank of China, China Construction Bank, Bank 建设银行、交通银行、中信银行、深圳发展银行、region alone may exceed more than half of the total of Communications, China Citic Bank, Shenzhen Devel-兴业银行、广发银行、北京银行在内的十余家number of bank users around the world.36 With the opment Bank, Industrial Bank, CGB and Bank of Beijing. 银行已推出了客户端手机银行。就产品功能而continuous expansion of the user population in China 言，各家银行都集成了传统的网上银行的功能，and the increasing demand for mobile financial channels, 需求，顺应行业趋势大力推进手When it comes to product functions, all banks have 但程度不同。一些银行的手机银行功能较为齐机银行coupled with the urgent need of traditional banks to ，并集成更多金融服务成为商业银行变integrated traditional online banking functions to 革的焦点之一adopt new delivery options, mobile banking is poised different extents. The mobile banking functions of some 全，除基本功能外还添加了特色功能，如招商for growth. The integration of more financial services 。banks are basic while others have added special features, 银行客户端手机银行的“金融助手”、交通银has become one of the focal points for next generation such as the “Finance Assistant” for the user client mobile 行的“无卡生活”等，而另一些银行的手机银commercial banks.banking at China Merchants Bank and the “Cardless 行功能则相对基础39。（见表2）

Life” at Bank of Communications. (See Table 2).39

36 Data Source: BergInsight.

Gao Pengyun, Mobile

Banking Users Worldwide

：BergInsight. to Approach 900 Million

in 2015, People’s Posts and

2015年全球手机Telecommunications News, 9亿，人/news/，jsdt/8673.html.

37 Li Ming, China’s Mobile

Payment Industry Is Taking

Shape While Standards

标准亟待统一，Need to Be Unified, Novem-月29日，ber 29, 2011, http://www.

/news/550/a657242.

html.

38 Ma Weihua, Mobile Finance

C时代的移动金of C Era, November 5, 2011, 1年11月05日， .

cn/4/25/60691.htm.

39 Analysis: China Mobile

：中国手机银行Banking Market An-2011nual Comprehensive Report

2011.

2012 China Banking Industry Top Ten Trends and Outlook—Enhancing Capital Management, Meeting New Challenges13源，户将接近报/news/3.html我国移动支付产业模/0/a657242.html，.60691.htm际度综合报告

2012 China Banking Industry - Top ten trends and outlook

Table 2. Bank China Merchants Bank Detailed Overview of Mobile Banking Products and Points of Innovation Relying on online banking benefits, China Merchants Bank has a large number of electronic channel users among whom to promote mobile banking business. China Merchants Bank has successively introduced Java, iPhone and Android versions of user client mobile banking services, namely the“Handheld Life” mobile

terminal application software. China Merchants Bank has …… 此处隐藏：6259字，全部文档内容请下载后查看。喜欢就下载吧 ……