摘要随着移动互联网技术的迅速发展，人们的工作和生活也发生着翻天覆地的变化，商业模式也随之发生着变化。人们开始借助互联网进行交易，移动商务行业迅猛发展，作为移动商务的关键及核心环节——移动支付，则面临着更长远的路要走。移动支付产业随着互联网技术的进步，也在层层推进，有着宽广的潜在市场。但与日韩、欧美等国家相比较，我我国的移动支付市场还不是非常的理想，在用户采纳方面也与其他国家有着明显的对比。当一项新兴应用的技术障碍被消除后，用户对其采纳及接受程度也就成为该应用得以发展与普及的关键因素之一。如何推进移动支付的普及，以促进移动电子商务的快速发展，这对支付领域来说是一场新的革命。本文探讨移动支付用户使用意愿如何，以及哪些关键因素影响其使用意向，这样可以更好的为移动支付平台、移动商务企业提出相关建议，以促进移动支付产业的推广。47832

With the rapid development of mobile Internet technology, people's work and life has also undergone tremendous changes, the business model also will be changing. People began using the Internet to trade, industry, the rapid development of mobile commerce, mobile commerce as a critical and core areas - mobile payments, are faced with more long-term way to go. With the advancement of mobile payment industry of Internet technology, but also layers forward, has broad potential market. But compared with Japan and South Korea, Europe and other countries, China's mobile payment market, I was not very satisfactory, in terms of user adoption with other countries also have a clear contrast. When an emerging application of technical obstacles are eliminated, users of its adoption and acceptance has become one of the key factors to the development and popularization of the application. How to promote the popularity of mobile payments, in order to promote the rapid development of mobile e-commerce, payments which is a new revolution. This article examines how the use of mobile payment users will, and what are the key factors that affect its intentions, so you can better platform for mobile payments, mobile commerce companies make relevant recommendations to facilitate the promotion of mobile payment industry.

毕业论文关键词：移动支付; 技术接受模型; 感知风险; 感知价值; 用户使用意愿

Keyword: Mobile payment; technology acceptance model; perceived risk; perceived value; the user wishes

 目    录

一、绪论 4

（一）研究背景和意义 4

（二）研究的基本内容 4

（三）研究方法 5

（四）研究创新点 5

二、相关理论综述 5

（一）移动支付的概述 5

1、移动支付的概念 5

2、移动支付的分类 6

3、移动支付的发展趋势 6

（二）技术接受模型的概述 7

（三）感知风险的概述 8

（四）感知价值理论概述 9

三、研究模型和研究假设 12

（一）研究模型的提出 12

（二）研究变量的定义 13

（三）研究假设 14

四、研究设计