摘要3G时代的来临，移动终端设备的日益普及，使移动支付迅速发展，而移动支付随身、实时、快捷的特性，解决一些传统支付无法解决的问题，提高传统商务流程的效率，促使其具有广阔的发展前景。但在发展过程中也在一定的问题，只有准确发现移动支付存在的问题及解决对策，同时利用恰当的创新策略，才能更好的促进其在中国的迅速发展。关键词：手机支付；解决对策；创新策略；发展趋势Abstract3Gera,thegrowingpopularityofmobiledevices,mobilepaymenttotherapiddevelopmentofmobilepaymentplayer,real-time,fastfeatures,tosolvesomeofthetraditionalpaymentcannotberesolvedtoimprovetheefficiencyoftraditionalbusinessprocesses,topromoteitsbroadprospectsfordevelopment.Butalsosomeproblemsinthedevelopmentprocess,theonlyaccurateMobilePaymentProblemsandSolutions,inordertobetterpromotetherapiddevelopmentinChina.Keywords：Mobilepayment;Solutions;Innovativestrategies;Developmenttrends目录摘要..................................................................................................................................................IAbstract............................................................................................................................................II目录................................................................................................................................................III一、手机银行概述..........................................................................................................................1(一)手机银行概念....................................................................................................................1(二)手机银行的种类................................................................................................................1(三)移动支付的特点................................................................................................................2二、我国手机银行市场发展现状...................................................................................................2三、影响我国手机支付行业发展的问题分析...............................................................................3（一）安全问题......................................................................................................................3（二）服务费用高昂..............................................................................................................3（三）交易支付观念..............................................................................................................4（四）法律政策以及行业规范问题.......................................................................................4（五）运营商的态度及盈利问题...........................................................................................5四、解决我国手机支付行业相关问题措施...................................................................................5（一）解决安全问题的对策...................................................................................................5（二）解决服务费用高的对策...............................................................................................6（三）解决支付观念问题的对策...........................................................................................7（四）解决行业规范问题的对策...........................................................................................7（五）解决运营商态...
