移动支付在中国发展已有十多年的时间,商业银行虽然进入较晚,但在移动支付市场上已经展现出了较强的发展势头。本文从市场技术监管环境、发展需求及自身条件三方面对商业银行发展移动支付业务的有利条件进行了分析,并对商业银行发展移动支付业务的现状作了简单阐述。 Mobile payment has been developing in China for more than ten years. Although commercial banks entered a relatively late stage, they have shown a strong momentum of development in the mobile payment market. This article analyzes the favorable conditions for the development of mobile payment business in commercial banks from three aspects of market technology regulatory environment, development needs and their own conditions, and gives a brief account of the status quo of the development of mobile payment business in commercial banks.