| As is well known, Internet has created the myth of the world, electronic commerce based on the Internet has staged a remarkable economic performance in2010, however Mobile E-Commerce will have a profound effect on the world economy in succession to the electronic commerce in2011,and the new way of m-commerce payments which are convenient, quick, safe can satisfy the demand of Mobile E-Commerce,which surely will become a powerful motivator for the development of Mobile E-Commerce. At the same time, the attention of internet given by the whole world will speed the breakthroughs and innovation of the payments.●M-commerce payments is a complex industrial chain, it involves telecoms operators, financial institutions, the third-party payment service providers, providers with hardware, businessmen and consumers and so on. M-commerce payments have developed for over ten years since2001in our country and it has undergone exploratory stage, during this stage, telecoms operators, and financial institutions predominated Mobile E-Commerce, but the third-party payment service providers just got involved gradually. Much of the work on Mobile E-Commerce payments by industrial circles was the construction of Industry Chain, the unification of industrial standard,data security, criterion of laws and regulations etc. At present, the Mobile E-Commerce payments begin to go into the second stage, that is rapid expansion, telecoms operators, financial institutions, the third-party payment service providers have been extremely effective in market segment of Mobile E-Commerce payments, each of them expects to be the dominant one. To some extend, the competition delays the rapid development of it, and causes the inefficacy of the resources. In2010Oct._People’s Bank of China declared industrial standard: that is based on13.56MHz technical standard which accord with financial industry standard. China Mobile become a shareholder in SPDB and has20%share SPDB, it practiced a unique system, that is telecoms operators become a shareholder in financial institutions. Under the new situation, the industrial chain of Mobile E-Commerce payments has established multilateral cooperation, utilizing joint investment and combined resources. In that way, how to combine the industrial chain of mobile E-commerce payments is our new subject now.Firstly the essay introduce the definition of the Mobile E-Commerce payments, classification,the way of enforcement by adopting Literature collection method, introduce analysis and method of comparative analysis, according to the theory of combination of industrial, and analyses the successful cooperation model in abroad and some worthwhile experiences. Secondly, it includes the PEST analysis for the situation of the Mobile E—Commerce payments in China and has the SWOT analysis for the main cooperation models: that are telecoms operators, financial institutions, the third-party payment service providers, and involves current situation of the Mobile E—Commerce payments, good factors and disadvantages for the market of the Mobile E—Commerce payments. Finally the writer shows his train of thoughts, suggestions for the industrial chain of the Mobile E—Commerce payments. The main contribution of the essay is to put forward remote payments and near-field payments according to the current cooperation models. Under the remote payments, it stresses that the businessmen predominate, and the businessmen form the alliance; under the near-field payments, it stresses out that the China Bank Network should be dominant, and combines various segments in the industrial chain and leads industrial alliances so as to develop new market of the Mobile E—Commerce payments... |
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