我国电子货币背景下的移动支付现状和制约因素分析
毕业论文关键词：电子货币；移动支付；消费数字化；安全风险；网络质量
Analysis on current situation and restricting factors of mobile payment under the background of electronic money in China
Abstract: With the development of the times, the development of electronic money and mobile payment in China is accelerating day by day, and the forms of electronic money are becoming more and more persified. However, the rapidly growing areas of electronic money and mobile payments are also exposed to some problems in the development process. This paper summarizes some research results of domestic and foreign scholars, expounds the basic situation of electronic money and mobile payment in China, collects the data by distributing the questionnaire, analyzes the data of the questionnaire and analyzes the factors that restrict the development of mobile payment. Through the analysis, this paper finds out that the main problems affecting mobile payment include: the problem of consumer digitization, the advantage of mobile payment is not obvious, the security and operation of payment software, the popularization of mobile payment, the quality of network and the pay gap software development in large scale, industrial chain cooperation issues and financial regulatory issues. In view of these problems, this article finally puts forward some suggestions on the basis of the research conclusion.
Key words: electronic money; mobile payment; consumer digitization; security risk; network quality
目 录
摘要1
关键词1
Abstract1
Key words1
一、引言1
二、文献综述2
（一）关于电子货币背景的研究2
（二）关于移动支付的研究3
三、我国电子货币和移动支付的基本情况4
（一）移动支付的支付方式和支付种类 4
1.支付方式4
2.支付种类4
（二）移动支付的现状 5
四、我国移动支付发展制约因素的分析6
（一）问卷数据分析 6
（二）移动支付的制约因素 13
五、结论与建议15
致谢16
参考文献16
附录A 关于我国消费者移动支付使用情况的调查18
我国电子货币背景下的移动支付现状和制约因素分析
一、引言
21世纪以来，电子货币的发展越发的迅速，从借记卡、信用卡的广泛使用，到腾讯公司的Q币，再到如今各类软件之中的虚拟货币等等，电子货币的存在形式日益多样化。同样，移动支付的手段也在飞速发展。从最初的支付宝、微信钱包，到现在类似的APP日益增多，甚至全球最大的电子产品公司之一的APPLE公司都自己研发了针对iPhone、iPad的支付方式APPLE PAY。
截止到2016年年底，中国的银行卡正在使用的发卡数目达到了61.25亿张，同比增加12.54%。其中，借记卡正在使用的发卡数目56.60亿张，同比增加12.96%；信用卡和借贷合一卡正在使用的发卡数目共计4.65亿张，同比增加7.60%。借记卡正在使用的发卡数目与信用卡正在使用的发卡数目之间的比例约为13.46:1，较上年年底有所上升。截止到2016年年底，中国全国人均持有银行卡数目为4.47张，同比增加11.83%。
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