我国电子商务中手机支付的产业发展初探

电子商务自出现以来发展势头强劲,网络购物的用户不断增长。与此同时,电子支付工具也得到快速发展,在智能手机出现后,由于手机用户的广泛性,手机移动支付将成为未来发展的主流趋势,具有更广阔的市场。手机支付方便快捷,但是作为一种网络支付方式,却受制于通信网络、标准化和安全性等问题。手机支付产业的良性发展需要政府、金融机构、电信运营商与其它相关机构协作,建立移动支付产业链,为手机用户提供规范安全的支付环境。

Study of the Development of the Mobile Phone Payment Industry of

Since electronic commerce emergents,it has a strong momentum of development, the network shop- ping users also become more and more.At the same time,the electronic payment tool has been developed quickly, the Appearance of the intelligent mobile phone attracts a wide range of its users,mobile phone mobile payment will become the mainstream payment tool and have a more broad market in the future.Mobile phone payment is very convenient,but as a network payment it subject to the communication network,standardization and security problems.Mobile phone payment industry＇s benign development needs the cooperation of govermnent,financial institutions,telecom operators and other related institutions,and the establishment of mobile payment industry chain to provide a secure payment environment for mobile phone users.