我国手机银行发展中存在的风险及对策研究ResearchontherisksandCountermeasuresinthedevelopmentofmobilebankinginChina摘要手机银行是银行以手机为终端，使客户能够在手机设备上使用银行提供的各种服务的一种途径。近年来，随着智能手机的普及和网络技术的发达，4G技术已经普及，目前5G网络也开始规模使用，这在很大程度上促进了手机银行业务的发展，手机银行服务越来越为广大用户接受和青睐。但传统银行的移动之路走得并不顺畅，在网络诈骗和手机支付病毒的威胁下，针对手机银行业务的多方风险威胁成为制约其市场推广和用户体验的主要障碍。由于我国手机银行开始的比较晚，对于手机银行风险的研究也相对较少，随着交易规模的不断扩大，用户数量几何级增加，手机银行的全文位、全过程的风险管理就显得尤其迫切与重要。本文对手机银行存在的风险以及对策进行了分析，在有关手机银行风险相关的理论基础上，对我国目前手机银行发展的现状进行了分析，然后分析了目前手机银行普遍存在的风险，然后针对风险的类型提出了有针对性的应对策略，希望对于手机银行用户规避手机银行风险有所帮助。关键词：手机银行；风险；对策ResearchontherisksandCountermeasuresinthedevelopmentofmobilebankinginChinaAbstractMobilebankingisawayforbankstousemobilephonesasterminalstoenablecustomerstousevariousservicesprovidedbybanksonmobiledevices.Withthepopularityofsmartphonesandthedevelopmentofnetworktechnology,4Gtechnologyhasbeenpopularized,and5gnetworkhasbeguntobeusedonalargescale,whichalsopromotesthedevelopmentofmobilebankingbusiness,andmobilebankingservicesaremoreandmoreacceptedandfavoredbythemajorityofusers.However,themobileroadoftraditionalbanksisnotsmooth.Underthethreatofonlinefraudandmobilepaymentvirus,themulti-partyriskthreatagainstmobilebankingbusinesshasbecomethemainobstaclerestrictingitsmarketpromotionanduserexperience.DuetotherelativelylatestartofmobilebankinginChina,thereisrelativelylittleresearchontheriskofmobilebanking.Withthecontinuousexpansionoftransactionscaleandtheincreasingnumberofusers,theriskmanagementofmobilebankingisalsoveryimportant.Therefore,itisofgreatsignificancetostudytheriskofmobilebankinginChina.ThisstudyanalyzestherisksandCountermeasuresofmobilebanking,analyzesthecurrentsituationofthedevelopmentofmobilebankinginChinabasedonthetheoriesrelatedtotherisksofmobilebanking,thenanalyzesthecommonrisksofmobilebanking,andthenputsforwardcorrespondingcountermeasuresaccordingtothetypesofrisks,Ihopeitwillbehelpfulformobilebankinguserstoavoidsomerisksofmobilebanking.KeyWords：Mobilebanking;Risks;Countermeasure目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II一、绪论................................................................................................................................1（一）研究背景.............................................................................................................1（二）研究意义.............................................................................................................1（三）研究思路与研究内容.........................................................................................2（四）研究方法与拟创新之处.....................................................................................2二、理论基础与文献综述.................................................................
