梅雪歌-我国移动支付业务现状与发展分析.docx

本科论文本科论文山东交通学院毕业设计（论文）1摘要随着互联网技术不断趋向宽带化以智能手机为主的移动终端迅速普及互联网金融大跨步向前发展推动了我国的移动支付业务长足的发展和进步。移动支付给大众带来了一种无法放弃的新生活方式不仅使用户获得更多收益而且还真正享受到了便捷的生活且无需等待。移动支付业务最大程度的解决了支付的时间和空间的问题提高了支付的便利性。与此同时它还与生活各组织建立系统链接增加了生活的丰富性。目前我国的移动支付业务已经处于世界的领先地位呈现出不可逆性、快速性、便捷性等特点。但是在我国在移动支付服务的开发和业务发展道路上仍然出现了一些不足和风险阻碍移动支付快速发展道路。本文通过查阅国内外有关书籍、期刊、学术论文等多方面资料结合以往解决移动业务问题的研究成果分析我国移动业务的发展现状从运营主体、外部监管、用户等角度出发找出影响我国移动支付业务发展因素针对问题和不足提出相应的解决措施。关键字：移动支付现状分析对策研究AbstractWiththecontinuoustrendofInternettechnologytowardsbroadbandrapidpopularizationofmobileterminalsbasedonsmartphonesInternetfinancehasmadegreatstridesforwardwhichhaspromotedtherapiddevelopmentandprogressofChina'smobilepaymentbusiness.Mobilepaymentbringsanewwayoflifethatcannotbegivenuptothepublicwhichnotonlyenablesuserstogetmoreincomebutalsotrulyenjoysaconvenientlifewithoutwaiting.Themobilepaymentbusinesssolvestheproblemofpaymenttimeandspacetothegreatestextentandimprovestheconvenienceofpayment.Atthesametimeitalsoestablishessystemlinkswithorganizationsinlifeincreasingtherichnessoflife.AtpresentChina'smobilepaymentbusinessisalreadyintheleadingpositionintheworldshowingthecharacteristicsofirreversibilityspeedconvenienceandsoon.HoweverinChina'sdevelopmentofmobilepaymentservicesandbusinessdevelopmenttherearestillsomedeficienciesandrisksthathindertherapiddevelopmentofmobilepayment.ThisarticleanalyzesthedevelopmentstatusofChina'smobilebusinessbyreferringtodomesticandforeignrelevantbooksjournalsacademicpapersandothermaterialscombinedwithpreviousresearchresultsonsolvingmobilebusinessproblemsandfindstheimpactfromtheperspectiveofoperatingentitiesexternalsupervisionandusersThedevelopmentfactorsofChina'smobilepaymentbusinessproposecorrespondingsolutionstotheproblemsanddeficiencies.Keywords:MobilepaymentStatusanalysisCountermeasurestudy目录