In 3 Generation The Mobile Payment Business Developmental Research Of China

Along with the 3G time arrival,the handset already not merely limited in provides the communication and the entertainment service,the high band width wireless data channel might realize high grade visible functions and so on telephone conversation,video frequency monitoring,high speed surfer,caused the handset to turn most convenient and the immediate multimedia terminal,then impelled the handset to move commercial the fast development.The motion, commerce cannot leave the payment,replaces the cash,the check and the credit card with the handset carries on the payment,will change the payment means the application,also will be able to change the consumer behavior way,will accomplish in a payment domain the revolution.Therefore,some experts called the future will move the payment to be able to become the consumer to live an indispensable part. The motion payment service is one may bring the economic efficiency,the brand benefit and the social efficiency new service for motion payment industry chain all quarters,also is moves the electronic commerce the important constituent,has the extremely giant market space.Only from the domestic user's expense custom,the social credit environment and the legal environment condition,all sorts of difficulties which in the motion payment industry chain forming process faces looked that,may recognize our country moved the payment service market to be still in from the guidance and the cultivation to the high speed development transitional stage.But looked from the global migration payment industry, regardless of is the developed market or the emerging market,is opposite in the fixed telephone network and the bank mesh point regional distribution uneven condition,the motion payment has in the entire region the application potential. Our conceivable migration payment industry will be able to obtain a broader development,and will change people's life truly,including will touch the people who these formerly placed the remote districts.Country's motion payment business model should be take the bank and the motion operation business close cooperation as a foundation,assists take the third party payment operation business to support as the propelling force conformity business model.Is similar to any supply chain to be same,in the motion payment service industry value chain,motion operation business,the bank,the third party service provider and the business has the different resources superiority respectively,but more importantly understands all quarters in industrial relations operation flow and profit ability,only then each other rational division of labor,the close cooperation,can impel the motion payment service the healthy development, thus realizes each link altogether to win.This article from the analysis migration payment industry chain,the motion payment principle and operation pattern obtaining,elaborated the global migration payment industry market development present situation,the tendency and the model experience,in studied our country to move the payment industry development in the background factor foundation the profound analysis to discuss China to move the payment user consumer behavior tendency as well as China move pay the market present situation,the trend of development,simultaneously has analyzed the domestic and foreign motion payment industry market three kind of main body enterprise comprehensive competitive power situation,proposed China moved the payment industry market investment opportunity and the risk and the strategic development suggestion. This article obtains the main conclusion is:1) Affects our country to move the payment industry development the main question is supervises and manages the policy the lag,as well as the payment business model not clear banking industry to moves the payment the manner.2) Our country moves the payment industry continually construction to need to persist the competition cooperation principle,the coordination operation principle and the value increment principle;Constructs the motion payment industry chain according to enterprise's core competitive power,is clear about the enterprise the core business,carries on the cooperation in respective superiority domain.3) At present the quite suitable our country's motion payment business model should be take the bank and the motion operation business close cooperation as a foundation,assists take the third party payment operation business to support as the propelling force conformity business model.