手機(jī)銀行是將移動(dòng)通信運(yùn)營(yíng)商的無線通信網(wǎng)絡(luò)和銀行金融系統(tǒng)相連,使手機(jī)成為隨時(shí)、隨地、隨身的個(gè)人移動(dòng)金融服務(wù)終端.
　　The Mobile Banking Service refers to the service that links the wireless communication network of mobile operators with the banking and the financial systems, which has enabled a mobile phone act as a terminal of personal mobile financial services.
　　作為一種結(jié)合了貨幣電子化與移動(dòng)通信的嶄新服務(wù),手機(jī)銀行不僅可以使人們?cè)谌魏螘r(shí)間、任何地點(diǎn)處理多種金融業(yè)務(wù),也極大地豐富了銀行服務(wù)的內(nèi)涵,使銀行能以便利、高效而又較為安全的方式為客戶提供傳統(tǒng)和創(chuàng)新的服務(wù).
　　Having combined electronic money system and mobile communication system, Mobile Bank offers the convenience of various types of finanal dealing anytime and anywhere, enriching the content of banking services with both traditional and innovative services in a convenience, efficient and relative secure way.
　　隨著3G技術(shù)的不斷普及,手機(jī)上網(wǎng)愈加方便快捷以后,手機(jī)銀行也將迎來發(fā)展的春天.
　　With the popularization of 3rd Generation technology, which will provide even more fast connection and easy access to the Internet, the development of mobile banking would soon enjoy its boom.
　　文章簡(jiǎn)述了了手機(jī)銀行的發(fā)展現(xiàn)狀和發(fā)展中存在的問題,并提出了相應(yīng)的幾點(diǎn)建議.
　　This text gives brief description of the current situation and existing problems, on the basis of which, the author put forward some proposals for a better future.
　　關(guān)鍵詞：手機(jī)銀行；支付手段；電子商務(wù)
　　Keywords. Mobile Banking ,medium of payment , electronic commerce
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