Research of China Mobile Payment's Operation Model, Risk, and Risk Supervision

With the continuous development and popularization of Internet and e-commerce, mobile payment as a new method of payment possesses convenience, rapidness and high efficiency, which provides users a safer powerful medium of payment at any time, any place. As mobile payment opens up a new direction for the future development of electronic payment, research on it in various countries is on the rise. Mobile payment is closely combined with Internet finance, and mobile payment with the third party payment is the core of the Internet financial. Taking China mobile payment as the research object, this paper analyzes its development situation, expounds its operation model, finally reveals the information technology risk, operation risk, credit risk, etc. that consumers are faced with. Then it proposes some risk supervision suggestions for the development of China mobile payment industry.