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我国移动支付的运营模式、风险与风险监管研究
引用本文:张艳, 帅青红, 王坤. 我国移动支付的运营模式、风险与风险监管研究[J]. 电子科技大学学报社科版, 2015, 17(4): 43-49,112. DOI: 10.14071/j.1008-8105(2015)04-0043-07
作者姓名:张艳  帅青红  王坤
作者单位:1. 西南财经大学成都 611130
2. 电子科技大学成都 611731
基金项目:2014年国家社科基金资助项目“宏观和微观视角下的互联网金融监管研究”(14BGL186);2013年教育部规划基金项目“宏观审慎监管下支付创新对金融稳定影响研究”(13YJAZH079);2013年四川省哲学社会科学规划重点项目“支付创新对金融系统流动性影响”(SC13A007)的系列研究成果之一
摘    要:随着互联网和电子商务的不断发展和普及,移动支付作为一种新兴的支付方式,具有方便、快捷、高效等优点,能任何时间、任何地点为用户提供较为安全有力的支付媒介。移动支付为今后电子支付的发展开辟了新方向,世界各国对此展开的研究方兴未艾。移动支付与互联网金融紧密相连,移动支付与第三方支付更是互联网金融的核心。现以我国移动支付为研究对象,分析我国移动支付的发展现状,阐述了移动支付的运营模式,最后揭示移动支付模式下的消费者面临的信息技术风险、操作风险、信用风险等风险肇因,并为我国移动支付产业的发展给出风险监管建议。

关 键 词:成都市移动支付  互联网金融  运营模式  风险  风险监管
收稿时间:2015-06-05

Research of China Mobile Payment's Operation Model,Risk, and Risk Supervision
ZHANG Yan, SHUAI Qing-hong, WANG Kun. Research of China Mobile Payment's Operation Model, Risk, and Risk Supervision[J]. Journal of University of Electronic Science and Technology of China(SOCIAL SCIENCES EDITION), 2015, 17(4): 43-49,112. DOI: 10.14071/j.1008-8105(2015)04-0043-07
Authors:ZHANG Yan  SHUAI Qing-hong  WANG Kun
Abstract:With the continuous development and popularization of Internet and e-commerce, mobile payment as a new method of payment possesses convenience, rapidness and high efficiency, which provides users a safer powerful medium of payment at any time, any place. As mobile payment opens up a new direction for the future development of electronic payment, research on it in various countries is on the rise. Mobile payment is closely combined with Internet finance, and mobile payment with the third party payment is the core of the Internet financial. Taking China mobile payment as the research object, this paper analyzes its development situation, expounds its operation model, finally reveals the information technology risk, operation risk, credit risk, etc. that consumers are faced with. Then it proposes some risk supervision suggestions for the development of China mobile payment industry.
Keywords:mobile payment  Internet finance  operation model  risk  risk supervision
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