⊙记者 卢晓平 ○编辑 颜剑

⊙ reporter LuXiaoPing ○ YanJian editor

　　在移动金融领域，银行与运营商的合作正进入一个全新的阶段。

In the mobile financial field,Banks and operators cooperation is entering a new stage.

　　招行在移动金融领域的动作一直为市场所关注。去年底，招商银行(600036,股吧)携手中国联通(600050,股吧)宣布推出名为“联通招行手机钱包”的信用卡手机支付产品。昨日，招商银行与中国移动又宣布签署全面战略合作协议，共同推进移动支付产业的发展进程。

China merchants bank in mobile financial field of action for the market has been concerned.end,Merchants bank(600036,guba)To China unicom(600050,guba)Called announced the launch of"Unicom mobile phone her purse"Credit card mobile payment products.yesterday,China merchants bank and China mobile signed announced comprehensive strategic cooperation agreement,Promote the development process of mobile payment industry.

　　与运营商合作最为深入的浦发银行(600000,股吧)也有动作。记者获悉，日前，浦发银行与中国移动在武汉召开双方战略合作全国分支机构推进会议。中国移动、浦发银行负责市场营销的高层领导以及全国30个省市分支机构相关负责人参加了会议。

Operators and cooperation is the most thorough Shanghai pudong development bank(600000,guba)Also have action.The reporter learns,a,Shanghai pudong development bank and China mobile held in wuhan the strategic cooperation national branch propulsion conference.China mobile/Shanghai pudong development bank is responsible for marketing senior leaders and over 30 provinces, cities and the relevant person in charge of branch attended the meeting.

　　有关人士称，本次会议召开一方面标志着双方战略合作项目已经进入了全面市场推广阶段，另一方面也标志着双方分支机构将加快推进战略合作成果的落地实施。

Officials say,The meeting held on the one hand marks the strategic cooperation project has entered into a comprehensive marketing stage,On the other hand also marks the both sides branch will accelerate the implementation of the strategic cooperation achievements be born.

　　中移动牵手两银行 Hand in hand to move the two Banks

　　根据中移动与招商银行昨日签署的协议，双方将在移动支付、招行信用卡商城、客户及渠道资源共享、账户结算以及集团客户通信业务整体解决方案等领域开展全面合作。

According to move in with China merchants bank agreement signed yesterday,The two sides will in the mobile payment/China merchants bank credit card mall/Customer and channel resources sharing/Account settlement and group customer communication service solution to carry out all-round cooperation, etc.

　　尤其是在移动支付领域，双方将基于NFC SWP-SIM模式开展合作，实现符合银行规范PBOC2.0等系列标准移动支付方案，包括但不限于电子现金应用、贷记卡应用等中的一项或多项金融支付应用。

Especially in the field of mobile payment,The two sides will NFC SWP - SIM mode based on cooperation,Achieve accord with standard bank PBOC2.0 series standard mobile payment scheme,Including but not limited to electronic cash application/The application of credit card in one or more financial payment application.

　　也就是说，在移动支付方面，用户可以通过中国移动的NFC手机钱包客户端下载招商银行的借记卡、电子现金等金融服务。同时，双方还将在进一步市场渠道、集团客户通信方面进行深入合作，双方将开展客户及渠道资源共享共用，借助对方客户及渠道资源拓展业务，共同建立客户增值服务体系。

that,In the mobile payment aspects,The user can through the China mobile phone NFC wallet client download merchants bank debit card/Electronic cash, and other financial services.At the same time,The two sides also will be further market channels/Group customer communication make further cooperation,The two sides will carry out customer and channel resources sharing common,With the aid of the customer and channel resources development business,Build customer value added service system.

　　此前，双方已有局部合作。目前中移动电子商务基地与招商已经开展了B2C充值合作，通过招行个人网银每月交易金额7.5亿元左右，在所有合作银行中排名第一。

after,Both sides have local cooperation.In the current mobile electronic business base and merchants have carried out B2C rechargeable cooperation,Through the China merchants bank personal net monthly transaction value of 750 million yuan,In all cooperative bank for first place.

　　其实，中国移动与浦发银行合作走得更为深入。2010年11月，中国移动与浦发银行签署战略合作协议。中国移动集团广东有限公司通过定向增发，从而持有浦发银行20%的股权。

In fact,China mobile and Shanghai pudong development bank cooperation go more deeply.In November 2010,China mobile and Shanghai pudong development bank signed strategic cooperation agreement.China mobile group guangdong co., LTD. Through the directional shares,Thus holds a 20% stake in Shanghai pudong development bank.

　　随后，双方在不同领域展开实质性的合作。在手机近场支付方面，双方于2011年9月合作推出了首款手机近场支付产品；2012年12月，中国移动在全球开发者大会上，发布了双方合作研发的NFC-SWP模式的手机支付产品。记者获悉，双方现已着手启动该手机支付产品大规模的市场推广工作。

then,Both parties in different fields spread substantial cooperation.In the mobile phone near field in pay,Both sides in September 2011 cooperation launched the first mobile phone near field pay products;In December of 2012,China mobile in the global developers conference,Released the cooperation development NFC - SWP model of mobile payment products.The reporter learns,Both sides has to start the mobile payment product mass market promotion.

　　在手机远程支付方面，2012年12月，中国移动与浦发银行共同推出“手机汇款”业务。目前，中国移动正大力拓展手机汇款代理点，以实现该业务未来全国范围内广泛覆盖。

In the mobile phone remote pay aspects,In December of 2012,China mobile and Shanghai pudong development bank jointly launched"Mobile phone remittance"business.At present,China mobile is vigorously develop mobile phone distributors remittance,In order to achieve the business future nationwide broad coverage.

　　浦发银行有关人士称，在客户及渠道资源共享方面，双方也加紧了合作步伐。目前，浦发银行近6000台的24小时自助服务设备已实现中国移动话费代缴代扣、充值和查询业务功能，并借助中国移动的通信服务优势，正逐步实现浦发营业网点的WIFI覆盖。随着双方战略合作的深入，浦发银行还将开放实体网点代销中国移动手机、SIM卡和补换等业务。

Shanghai pudong development bank officials say,In the customer and channel resources sharing,Both sides also step up the pace of cooperation.At present,Shanghai pudong development bank nearly 6000 24 hours self-service equipment already realize China mobile telephone and remit tax withholding/Replenishing and inquires the business functions,And with the aid of China mobile communication service advantage,Is gradually realize the pudong development business outlets WIFI coverage.As the two strategic cooperation further,Shanghai pudong development bank will be open to the physical network of China mobile phone on a commission basis/SIM card and fill in, etc.

　　金融机构争傍运营商 Financial institutions for alongside operators

　　基于不同考虑，金融机构涉足移动支付、移动金融领域有多种手段，通过与运营商进行合作成为一条捷径。

Based on the different consider,Financial institutions involved in mobile payment/Move the financial sector has a variety of means,Through cooperation with operators as a shortcut.

　　兴业银行(601166,股吧)去年底与中国联通签署战略合作协议，双方将强化在金融服务、移动互联网应用等领域的合作，共同进军移动支付、手机银行等战略领域；而中国银联宣布，联合18家商业银行、中国联通和中国电信、手机制造商等共同成立移动支付产业联盟……

Societe generale(601166,guba)Late last year and China unicom signed strategic cooperation agreement,The two sides will strengthen in financial services/Mobile Internet application and other fields of cooperation,The common mobile payment/Mobile phone bank, and other strategic and field;China unionpay announced,Joint and commercial Banks/China unicom and China telecom/Mobile phone manufacturers and jointly set up mobile payment industry alliance...

　　为何以中国移动为代表的运营商们热衷于与金融机构进行合作？业内人士称，这主要基于其客户的金融需求，“可以预见到的是，中国信息化需求最高的就是金融业，这对于运营商们的机会与空间非常大。”

Why China mobile as a representative of operators and financial institutions to cooperate?The personage inside course of study says,This is mainly based on their customers' financial needs,"Can foresee is,China's information demand the highest is the financial industry,The operators of the opportunity and space is very large."

　　不过，就目前而言，这种合作更多的只是具有圈地布局的意味，能给双方带来多大的实质性收益还需要一段时间。

but,For now,This kind of cooperation more just has the enclosure of the layout of the mean,Can give both sides how to bring substantial benefits also need a period of time.

　　就拿运营商与银行合作最为深入的中国移动与浦发银行这一组合为例。浦发银行有关负责人此前对记者表示，在目前的阶段，中国移动在该战略合作中所能获得的收益主要是在基础电信服务方面。“以前我们银行都是采用中国电信所提供的基础电信服务，而现在肯定要考虑支持中国移动。”

Take the operators and bank cooperation the most in-depth China mobile and Shanghai pudong development bank this combination as an example.Shanghai pudong development bank officials previously told reporters,In the present stage,China mobile in the strategic cooperation in the profits is mainly in the basic telecom services."Before we bank is the China telecom provides basic telecommunications services,And now must consider support China mobile."

　　而对于浦发银行而言，他们所享受到的益处表面上来看更多一点。中国移动2012年中期报告就显示，该公司的银行存款、现金及等价物分别为2972亿元，其中在浦发银行的存款就有212亿，相比上年末增加了近40亿元。而浦发银行有关人士称，通过中国移动的渠道，仅去年九月份就增加了5万名客户。

For in Shanghai pudong development bank,They enjoy the benefits on the surface to see a little more.China mobile 2012 interim report will show,The company's bank account/Cash and equivalent is 297.2 billion yuan respectively,In the Shanghai pudong development bank deposit 21.2 billion,ShangNianMo increase compared to nearly 4 billion yuan.And Shanghai pudong development bank officials say,Through the China mobile channels,Only in September last year added 50000 customers.

　　浦发银行移动金融部副总经理薛建华昨日对记者表示，技术进步的趋势不可逆转，运营商与银行的合作还需要进一步加强。“非常乐意看到中国移动与招商银行的全面战略合作，这个市场还需要新的银行来加入。”

Shanghai pudong development bank mobile financial department general manager XueJianHua told reporters yesterday,Technical progress of an irreversible trend,Operators and Banks still need to further strengthen cooperation."Very glad to see China mobile and China merchants bank's comprehensive strategic cooperation,The market still need a new bank to join."

　　他表示，浦发银行不谋求在与中国移动合作过程中的排他性。在中国移动与诸多银行开展合作中，浦发银行将通过其产品与服务来取得竞争优势。

He said,Shanghai pudong development bank not seek in the process of cooperation with China mobile exclusive.In China mobile and many Banks in cooperation,Shanghai pudong development bank will through its products and services to achieve competitive advantage.