摘要：随着互联网的普及、电子商务的兴起以及移动通讯技术的迅速发展，移动支付作为一种新兴的产业，在全球范围内展开了广泛的应用，并在日韩等国取得了巨大的成功。而在我国，经过几年的发展，虽然开展移动支付的基本环境已经形成，但其发展现状却不尽如人意。因而为了促进移动支付业务在我国的快速、健康的发展，我们需要认清其存在的问题，进而找出移动支付发展所应采取的策略。

    本文通过大量文献的阅读和业内人士的访谈并结合相关理论知识，对我国移动支付面临的问题进行了分析并提出了发展建议。电子商务移动支付是一新兴行业，发展历史不久，笔者所能参考的文献有限，希望笔者的初步研究能给以后的相关学者提供有价值的信息。

关键词：移动支付  电子商务  发展策略

Abstract: With the popularity of the Internet, electronic commerce and the rapid development of mobile communications, mobile payment as an emerging industry, launched in the global scope widely applied in Japan and South Korea and other countries, and achieved great success. But in our country, through development of a few years, although the basic environment for mobile payment has been formed, but the current situation is not just as one wishes. Thus in order to promote mobile payment business in China rapid and healthy development, we need to recognize the existing problems, and then find the mobile payment development strategies to be taken.

　　In this paper, through a large number of literature reading and interview combined with the related theory of knowledge, to our country mobile payment problem that face undertook an analysis and put forward to develop a proposal. Electronic commerce mobile payment is a burgeoning industry, development history and soon, the author can reference literature is limited, I hope the author's preliminary research for later scholars to provide valuable information.

Key words: Mobile payment; E-commerce; Development strategy