Research On Mobile Payment Under The Background Of Internet Finance

With the advent of the Internet era,e-commerce platform has sprung up,at the same time,Internet finance has developed rapidly.Internet finance with its advantages of low threshold,high efficiency and wide coverage offers various financial services to the customers.Nowadays,Internet finance has a great influence on society.It not only affects the order of financial market system construction but also play an important role in the innovation of financial products.Internet finance has many modes,such as mobile payment,Internet credit,P2 P,public financing platform,network financial products platform.Mobile payment as an innovative means of payment is only an idea in science fiction movies in a few decades ago,it wasn't exist but an imagine product of People's mind.However,it became a reality.At the background of Internet finance,Mobile payment is not the concept are familiar with public,but the behavior of people after purchase goods and service.Mobile payment has become one of the most popular payment ways to people.In China,mobile payment has gradually become one of the main means of payment.Mobile payment has fast and convenient advantages,and relies on its broad and fixed user base,not only in the Internet finance,and even in the entire financial system are occupied important position.Mobile payment has some problems as its rapid development,such as Trojan virus attacks,the leakage of user information,the deterioration of the network environment,lack of security awareness of users and other security issues.Credit problems(network,system and platform credit)and laws,regulations,regulatory policy issues are another serious problem.How to solve the existing or possible problems and how to make mobile payment sustainable development at the background of Internet finance has far-reaching significance.The paper,with mobile payment in the context of Internet finance as the research object,mainly through the development of mobile payment value and development trends,the current problems and countermeasures proposed to interpret.First,the paper introduces the basic conceptual content,development and current situation of Internet finance.through analyzing the innovation Internet finance brought to traditional finance state the background of the era of mobile payment.Secondly,the paper reveals the development value of mobile payment from the three aspects such as internet ecological value,cultivating innovation payment scene and mobile financial channel.Combined with PEST analysis analyzes the political environment,economic environment,social environment and technical environment of China mobile payment market.Thirdly,the paper through the establishment of the model of mobile payment trends in the theoretical analysis of data and empirical research.finally,analyze the security problems,credit problems,regulations and policy problems encountered of mobile payment and give some subjection to solve the problems.