我国移动支付的运营模式、风险与风险监管研究

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。

Research of China Mobile Payment's Operation Model,Risk, and Risk Supervision

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.