Business Model Search In Chinese Mobile Payment

As the third generation (3G) mobile communication technology in China’s large-scale commercial launch, and mobile Internet technology, the financial payment technology continues to progress, to accelerate the connection and cooperation between the financial industry and mobile internet industry. Through the development in recent years, mobile payment Eco-system in China has been ready basically, though its development is not satisfied. Modern business competition is not only the competition between products and services, but also the competition between business models. In this article, through large amount of information and business practices such as literature periodicals and abroad research, focusing on the analysis of Chinese mobile payment related enterprises encountered problems in the scale management, draw lessons from foreign the success of mobile payment business case, the parties put forward Chinese mobile payment industry needs to adopt open cooperation sharing business circle system, build "multi-party cooperation, complementary advantages" share cooperation type business model.China’s mobile payment has tremendous prospects for development, but there is still a disconnection of the development of the situation. Based on mobile payment business model research and analysis, hope to provide reference for domestic mobile payment industry development, at the same time are actively involved in the movement of the mobile payment industry operators, financial institutions, such as public transport operators to provide mobile payment industrial chain positioning and business model recommendations on building, the parties relationship to cooperation than competition in industry, to promote the rapid development of China’s mobile payment industry, realize win-win industry as a whole.