Research On The Performance Of Rural Inclusive Financial Services Based On Mobile Terminal

With the rapid development of China's rural economy,The quality of rural inclusive financial services has been constantly improved,how to further improve the performance of inclusive financial services in rural areas,make the results better benefit each rural residents,promote the quality of the rural economy development of our country residents and the equilibrium configuration of wealth,has become a problem urgently to be solved in the current.With its characteristics of equality,openness,democratic sharing and cooperation,mobile Internet finance provides a new perspective for the development of rural inclusive finance,In recent years,the state has clearly proposed the development of high-quality rural inclusive financial services based on mobile terminals.Under the background of this policy,the continuous improvement of rural inclusive financial service performance under mobile Internet has become an important subject of theoretical research.From this perspective,this paper studies the performance of rural inclusive financial services based on mobile terminals,in order to find out the existing problems and causes of performance,and put forward some countermeasures and Suggestions for improvement.Firstly,on the basis of literature review and relevant theoretical research at home and abroad,this paper expounds the related concepts of the performance of rural inclusive financial services of mobile terminals,and makes an in-depth analysis of the internal mechanism and process of rural inclusive financial services based on mobile terminals.Secondly,after induction and carding,the paper analyzes and summarizes the operating conditions of rural inclusive finance service mechanism based on mobile terminals,laying a foundation for constructing the index system.Thirdly,questionnaires are issued through field surveys,and the data obtained from the questionnaires are used to analyze the status quo of rural inclusive finance services based on mobile terminals from the perspectives of total service volume and service structure.Based on the analysis of mechanism operating conditions and the review of relevant literature,5 dimensions and 23 representative indicators affecting service performance were selected.Combined with principal component analysis method and structural equation model,this paper evaluates the performance of rural inclusive finance services based on mobile terminals and analyzes the influencing factors,so as to analyze the possible problems in the performance and find out the causes of the problems.Finally,in view of the existing problems,this paper puts forward optimization suggestions from four aspects: mechanism,mode,policy and countermeasures for financial institutions,forms a reasonable countermeasure framework,and promotes the effective improvement of rural inclusive finance service performance based on mobile terminals.After research,the main conclusions of this paper are as follows: First,a large number of rural financial institutions have invested in the development of inclusive financial mobile terminal service platform,which has improved the coverage of financial services and provided sufficient service,However,due to the natural weakness of rural areas,the low profitability of rural inclusive financial services,and the failure of rural areas to design a sound financial service supply subject system.As a result,rural residents are often unwilling to accept financial services,and the service satisfaction degree is not enough,and the satisfaction degree of various services varies greatly,which affects the service quality.Second,the performance level of rural inclusive financial services based on mobile terminals is poor.The specific manifestations are complex service process,low efficiency in handling financial business,single business and products,unreasonable cost design,and low product revenue.The risk control has security hidden trouble and lacks effective identification of real information of rural residents.The government has not given enough publicity and training and has not spent enough money on base station construction.Third,the performance of rural inclusive financial services based on mobile terminals is significantly affected by five factors,namely,the service quality of deposit and loan business,the service capacity of foreign exchange transfer business,the service level of financial services,the construction of base station facilities and the government publicity and training,which are also the main reasons for the poor service performance.Through the research of existing literature,on the basis of theoretical analysis,combined with the specific situation of field investigation,this paper proposes the improvement measures of rural inclusive financial service performance based on mobile terminals from four aspects.First,to optimize the rural inclusive financial service mechanism of mobile terminals,local governments should not only provide financial support to rural areas,but also strengthen the supervision and control of rural inclusive financial services.At the same time,we should effectively coordinate the role of the CBRC and the central bank,and jointly promote the reform of rural financial institutions.In order to ensure the effectiveness of services,we should build a service performance constraint mechanism and a regulation mechanism to effectively promote performance improvement.Second,in the service process,it pays attention to optimizing the service links of rural financial institutions and the financial service mode of mobile terminals.We will provide better inclusive financial services for rural residents,strengthen the supervision of local governments,increase funding for base station construction,improve laws and regulations related to rural inclusive finance,and strengthen the protection of financial rights of vulnerable groups.Third,integrate fiscal,financial and scientific and technological policies,and realize the effective supply of rural inclusive finance through policy constraints and norms,so as to give full play to the role of rural financial institutions.At the same time,we should promote policy innovation,establish a regulatory policy innovation network with the government as the main body,the industry self-discipline committee and the internal supervision of financial institutions,establish a sound mobile Internet financial laws and regulations,and create a good legal environment for the healthy development of rural finance in China.Fourth,rural financial institutions should establish intensive mobile Internet financial business processes to reduce human intervention and improve the efficiency of financial services.At the same time,we should increase investment in mobile terminal research and development,enrich rural inclusive financial products,strengthen financial risk control of mobile terminals,and reduce the default risk of inclusive financial.We should also attach importance to the cultivation of talents in rural inclusive financial services,improve the business level of personnel,and promote the service quality of mobile terminals.