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）PAGE\*MERGEFORMAT1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AbstractWiththecontinuoustrendofInternettechnologytowardsbroadband,rapidpopularizationofmobileterminalsbasedonsmartphones,Internetfinancehasmadegreatstridesforward,whichhaspromotedtherapiddevelopmentandprogressofChina'smobilepaymentbusiness.Mobilepaymentbringsanewwayoflifethatcannotbegivenuptothepublic,whichnotonlyenablesuserstogetmoreincome,butalsotrulyenjoysaconvenientlifewithoutwaiting.Themobilepaymentbusinesssolvestheproblemofpaymenttimeandspacetothegreatestextent,andimprovestheconvenienceofpayment.Atthesametime,italsoestablishessystemlinkswithorganizationsinlife,increasingtherichnessoflife.Atpresent,China'smobilepaymentbusinessisalreadyintheleadingpositionintheworld,showingthecharacteristicsofirreversibility,speed,convenienceandsoon.However,inChina'sdevelopmentofmobilepaymentservicesandbusinessdevelopment,therearestillsomedeficienciesandrisksthathindertherapiddevelopmentofmobilepayment.ThisarticleanalyzesthedevelopmentstatusofChina'smobilebusinessbyreferringtodomesticandforeignrelevantbooks,journals,academicpapers,andothermaterials,combinedwithpreviousresearchresultsonsolvingmobilebusinessproblems,andfindstheimpactfromtheperspectiveofoperatingentities,externalsupervision,andusersThedevelopmentfactorsofChina'smobilepaymentbusinessproposecorrespondingsolutionstotheproblem