市场营销专业我国手机支付发产业展现状、存在问题及应对策略研究本科论文.doc

本 科 毕 业 设 计（论文） 题 目 我国手机支付发展现状、存在问题及应对策略研究 学 院 商学院 专 业 市场营销 班 级 　 学 号 　 摘 要 作为移动通信技术与信息安全技术结合的产物，融合了移动电话和银行卡的功能特点的手机支付近年来正逐步走入我们的生活。手机支付实现了用手机终端代替钱包，实现了随时、随地进行支付的愿景，能够为用户提供方便、快捷、安全的支付体验。手机支付的实现，带来了全新的消费观念和方式，满足了客户多样化的移动支付需求，在冲击我们现有生活的同时也必将引一场新的商业革命。 目前我国手机支付市场呈现出了，花齐放开放市场Abstract As mobile communication technology and information security technology combined the product, the mobile phone payments integration of the mobile phone and bank card payments features are gradually into our lives in recent years. mobile payment terminal Implement instead of using wallet, mobile payment achieve anytime, anywhere vision to make payments, to provide users with convenient, fast and secure payment experience. Implementation of mobile payment, bringing a new concept of consumption and ways to meet diverse customer demand for mobile payments, the impact of our existing life but also will lead a new business revolution. Chinas mobile phone payments market is currently out of, mobile operators, financial institutions, third-party online payment blossom, in the open market, competing parties full game competitive situation. Competing in this game, we can see: the attitude of CUP is strong, and mobile, telecommunications seize the initiative, struggling to catch up with China Unicom, and the third party payment defensive means obvious. Mobile payment as a new, revolutionary things, there are many advantages, but there will be a perfect process. At present, China Mobile payment industry still faces many urgent problems to be solved. This is mainly reflected in: the distribution of interests is complex , cooperation difficult hard to pay the standard uniform; lack of market drivers; the lack of appropriate regulatory policies. To crack the dilemma of mobile payment, leaving the government-led, corporat