中国移动支付发展现状及前景分析
【摘要】随着互联网和电子商务的不断发展和普及，我国传统的金融支付的手段依然变
成了制约我国经济大发展的不利因素，与此同时，移动通信的迅猛发展为移动支付业务的发展提供了坚实的基础，在这种情形下，移动支付产业也就自然而然的成为金融支付的一条分支。伴随着移动支付在各行各业如物流、制造、公共信息服务等行业的大力推广，各类的创新技术不断的节约移动支付的成本和提高了支付的效率，移动支付的产业的发展开始大踏步的向前发展。本论文以我国移动支付为研究对象，详细的分析了我国移动支付的发展现状，揭示了发展中存在的问题，最后提出发展的策略，为我国移动支付产业的发展具有重要的意义。
关键词：移动支付 发展现状 发展前景
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China Mobile Payment Development Situation
and Prospects Analysis
【Abstract】 With the continuous development of the Internet and e-commerce and the
popularization of the financial means to pay our traditional constraints still become a great economic development of our country's unfavorable factors, at the same time, the rapid development of mobile communications for the mobile payment business development provides a solid basis, in this case, the mobile payment industry will naturally become a branch of a financial payment. With mobile payment in all walks of life to promote such as logistics, manufacturing, service industries such as public information, all kinds of innovative mobile technology continues to pay for the cost savings and improve the efficiency of the payment, the development of mobile payment industry began to march in forward. In this thesis, China's mobile payment for the study, a detailed analysis of the development status of China's mobile payment reveals the problems of development, put forward the strategic development of the final payment for the development of China's mobile industry has an important significance.
Keywords: Prospects Current development Mobile payments
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目录
引言 .......................................................................................................... 1 一、中国移动支付概况 .............................................................................. 2
1.1移动支付的概念范围 .................................................................... 2 1.2国内外移动支付发展现状 ............................................................. 3
1.2.1国外移动支付发展现状 ....................................................... 3 1.2.2中国移动支付发展现状 ....................................................... 4
二、中国移动支付的发展 .......................................................................... 6
2.1中国移动支付的发展历程 ............................................................. 6 2.2中国移动支付的发展趋势 ............................................................. 6
2.2.1目前的移动支付产业规模 ................................................... 6 2.3.2未来的发展趋势 ................................................................. 7
三、中国移动支付运作模式 ....................................................................... 8
3.1移动支付业务的实现方式 ............................................................. 8 3.2移动支付业务的价值链模式 .......................................................... 8
3.2.1以移动运营商为运营主体的移动支付业务模式 ................... 8 3.2.2以银行为运营主体的移动支付业务模式 .............................. 9 3.2.3以独立的第三方为运营主体的移动支付业务模式 ............... 9
四、中国移动支付产业主要存在的问题 ................................................... 11
4.1影响移动支付产业发展的主要因素 ............................................. 11 4.2中国移动支付产业主要存在的问题 ............................................. 11
4.2.1产业链利益协调机制 ........................................................ 11 4.2.2信用体系制度缺失 ............................................................ 12 4.2.3用户消费习惯的培养 ........................................................ 12 4.2.4安全性问题 ....................................................................... 12 4.2.5行业规范及相关法律政策问题 .......................................... 12
五、中国移动支付产业发展战略建议 ...................................................... 14
5.1整合价值链，增强行业合作 ........................................................ 14
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5.2联合行业客户，提高信用指数 .................................................... 14 5.3移动支付多样化，增强对客户的吸引力 ...................................... 14 5.4加强安全保障 ............................................................................. 14 5.5解决行业规范问题 ...................................................................... 14 六、总结 ................................................................................................. 16 参考文献 ................................................................................................. 17 致谢 ........................................................................................................ 18
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