China's Mobile Payment Business Model Analysis And Risk Prevention

As mobile payment business is getting stronger and stronger in our country, its development forms have been gradually developing from the original primary stage of business exploration into the intermediate stage of equally importance of exploration and risk in recent years. Especially after 2003, along with the emergence of e-commerce, especially taobao, China's traditional financial means of payment couldn't meet the needs of merchants and consumers obviously, while mobile payment of convenience and flexibility appeared on the historical stage as a new mode of consumption and payment, which performs unprecedentedly actively.Mobile payment has already developed over the years and has had a sizeable potential market in our country up to now, but there is still a wide gap compared with many countries all around the world developing mobile payment business well, especially Japan and South Korea. Nowadays, the whole mobile payment industry in our country is still at a low development stage, meanwhile, as the Internet is spreading and various types of network financial crime also emerge in an endless stream, although mobile payment has been highly praised by clients by virtue of its convenience, it also faces many risks. Therefore, the research of its operation modes and the analysis of its risk prevention measures have important theoretical value and practical significance.This paper includes six chapters. chapter I elaborates on the research on the existing mobile payment and analyzes the research significance of mobile payment.From the perspective of industrial property, chapter II analyzes operation modes and development status of mobile payment in China.Chapter III deconstructs modes of mobile payment in the United States, Japan, UK and South Korea and other developed countries, and further discusses the inspiration drawn from the modes of mobile payment of these countries.Chapters IV & V analyze the risks faced by China's mobile payment during its development, discuss internal and external influence factors during development and put forward a series of solutions and measures, striving to eliminate various risk factors of the operation mode of mobile payme nt during its development.Chapter VI is the conclusion part of this paper, which puts forward the author's views as follows: three core nodes in value network form strategic alliances to protect against various risks faced by the operation mode of mobile payment through effective cooperation, meanwhile, we must focus on labor specialization division under different market segments and learn from others' strong points to offset our weakness, so as to promote the healthy development of China's mobile payment under the new situation.This paper mainly studies the continuous development and mature process of mobile payment industry and analyze the risk factors of the operation mode of mobile payment. It is necessary to apply reasonable measures to solve it effectively, so as to promote the operation mode of mobile payment to meet the needs of C hina's market economy system at the most extent.