文档介绍：北京邮电大学硕士学位论文中国移动支付产业商业模式研究姓名:胡君申请学位级别:硕士专业:工商管理指导教师:黄逸珺 20090601 中国移动支付商业模式研究摘要随着3G时代的到来,移动电子商务的发展,手机不在仅仅局限于语音和短信功能。在全球手机发展最快的东亚地区,移动支付正在表现出惊人的增长。用手机代替现金、支票及信用卡来进行支付,将改变移动支付手段的应用, 也会改变消费者行为方式,造就一场支付领域内的革命。移动支付的先决条件主要有三个:庞大的用户群、成熟的技术以及合理的商业模式。移动通信的发展提供了巨大的潜在用户,近几年信息技术的迅猛发展为移动支付提供了足以商用的技术条件。但由于移动支付产业链涉及实体较多,其商业模式的确立是各方互相角力的结果,未来的商业模式还存在很大的变数。因此本文主要围绕移动支付的商业模式展开论述。从国际上看,移动支付的发展主要存在三种主要的运营模式:由移动运营商主导的商业模式,这种模式在日本已经初具规模;由金融机构主导的商业模式,这种模式在韩台主导的商业模式, 这种模式已经基本在欧盟确立。通过将三种商业模式与我国基本国情相结合并对其进行SWOT分析,可以发现照搬任何一种都不能完全满足我国国情的发展需要。本文通过上述分析,在文章最后给出了一种以运营商和金融机构合作成立第三方进行运营的新型商业模式。并以“手机钱包"为例对这一商业模式进行论证,并对这一商业模式未来的发展提供了建议。关键词:移动支付,商业模式,SWOT RESEARCH oF THE BUSINESS MODELS FoR MOBILE PAyMENT INDUSTRY IN CHINA ABSTRACT As the 3G era,the development ofmobile merce,mobile phones are notjust limited tovoice East Asia,the world’Sfastest—growing,mobile payment isshown amazing growth. Using amobile phone forpayment instead ofcash,checks and credit cards,will change themeans ofmobilepayment applications,it will alsobe achange inconsumer behavior and creat arevolution inthefield of payment. There are threeprerequisites ofmobile payment:a large user base, mature technology and areasonable business development of munications hasprovided enormous potential users,in recent years therapid development ofinformationtechnology forthemobile payment business provided sufficient technical ,as mobile payment industrial chain involving more entities,the establishment ofitsbusiness model is theresult ofstruggles among the parties,SO there is a lotofvariables ofthe future business model. Therefore thisarticle focus on the beginning ofmobile payment business model. There are threemain modes of thedevelopment ofmobile payment maj oroperations from allinternational viewpoint, Led by themobile operator-led business model,it hasbegun totakeshape inJapan;led by thefinancial institutionsbusiness model,it hasdeveloped rapidly inSouth Korea;led by athirdpartypay