客观来说,经过近7-8年的发展,中国手机支付市场仍然停留在发展初期。相比而言,韩国的人均手机支付业务发展水平遥遥领先。截至2009年底,韩国手机银行的用户数量为1117万人。而2009年,韩国手机支付交易额为1.8万亿韩元(104.3亿元)。那么,韩国手机支付市场的发展给我们带来哪些启示呢?首先是各方营造共赢的市场环境,特别是通过政策拉动市场需求。产业链各方的紧密合作。运营商与金融业联盟是其主要的产业模式。韩国大的移动运营商控股银行和信用卡公司、甚至手机制造商,使得合作变得容易。另外,产业所 Objectively speaking, after nearly 7-8 years of development, China’s mobile payment market is still stuck in its early stages of development. In contrast, South Korea’s per capita mobile payment business is far ahead. As of the end of 2009, the number of mobile phone banks in South Korea was 11.17 million. In 2009, Korean mobile payment transactions amounted to 1.8 trillion won (10.43 billion yuan). So what are some implications for the development of the mobile payment market in South Korea? The first is that all parties should create a win-win market environment, especially by stimulating market demand through policies. Close cooperation between all parties in the industry chain. Carrier and financial industry alliance is its main industry mode. Large Korean mobile operators holding banks and credit card companies, and even handset makers, made the partnership easy. In addition, industry