移动支付的发展、支付风险及风险管理研究

Research on the Development,Payment Risk and Risk Management of Mobile Payment

由于手机的广泛使用,移动支付已经成为未来社会接受度最高的支付方式。移动支付是利用移动通信网络,使用移动设备支付商品的一种新型支付方式,移动支付的发展前景广阔,各国运营商均在不断推出新的移动支付产品,参与全球竞争。与此同时,移动支付作为新兴领域,其面临着较高的支付风险,因此,本文对移动支付的发展及面临的风险问题进行分析,并提出可行的监管措施。

Due to the widespread use of mobile phones,mobile payment has become the most accepted payment method in the future.Mobile payment is a new payment method that uses mobile communication networks and mobile devices to pay for goods.The development prospects of mobile payment are broad.Operators in various countries are constantly launching new mobile payment products to participate in global competition.At the same time,as an emerging field,mobile payment is facing higher payment risks.Therefore,this article analyzes the development of mobile payment and the risks it faces,and proposes feasible regulatory measures.At the same time,as an emerging fi eld,mobile payment is facing higher payment risks.Therefore,this article analyzes the development of mobile payment and the risks it faces,and proposes feasible regulatory measures.