从政府角度来说,当前应当做好两件事:一是完善手机移动支付管理制度,核心是法律制度建设;二是推进手机支付的技术标准建设自从1999年中移动推出国内首款手机银行以来,中国的移动支付就在探索中不断发展,但直到2009年,手机银行用户占手机用户的比例才3.9%,远低于日本、韩国的41.2%的比例,还存在很大发展空间。 From the government’s point of view, two things should be done at present: one is to improve the mobile payment management system at the core of the legal system; the other is to promote the construction of mobile payment standard Since the introduction of China Mobile’s first mobile phone bank in 1999, China’s mobile payment is constantly evolving. However, until 2009, mobile banking users accounted for 3.9% of mobile phone users, much lower than the 41.2% of Japan and South Korea. There is still plenty of room for growth.