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在移动支付技术飞速发展的今天,本文从青少年那移动支付的使用情况着手,以问卷调查的形式进行了社交网络平台与移动支付平台对金融市场的研究。通过从主体、业务、流程、评价与维护五个角度进行问题设计,并从风险、效率、收益三个角度去分析调查结果,得出了相应结论及建议。在风险角度上,本研究主要讨论了社交平台中的移动支付面临的政策风险及技术性风险。在效率角度上,本研究综合考虑了社交网络平台的发展对移动支付平台的促进作用,并发现金融交易的流动性得到了一定程度上的提高。在收益角度上,结合风险和效率评估,发现移动支付技术催生了支付融合,进而提高了金融收益。最后得出建议:社交平台上的移动支付更大程度地实现了移动支付的价值,若可以增加网络风险的控制,就可以实现互联网金融甚至是物联网金融的重大突破,对于未来消费者的消费观有着重要的指引。
With the rapid development of mobile payment technology, this paper starts from the use of mobile payment in adolescents and conducts research on financial markets by social network platforms and mobile payment platforms in the form of questionnaires. Through the design of the problems from the five angles of subject, business, process, evaluation and maintenance, and from the perspectives of risk, efficiency and profit, the paper analyzes the survey results and draws the corresponding conclusions and suggestions. From a risk perspective, this study focuses on the policy and technical risks faced by mobile payments in social platforms. In terms of efficiency, this study considers the promotion of the mobile payment platform by the development of social network platform and finds that the liquidity of financial transactions has been improved to a certain extent. In terms of revenue, combined with risk and efficiency evaluation, it is found that mobile payment technology has led to the convergence of payments, which in turn improves financial returns. Finally, it is concluded that the mobile payment on the social platform can realize the value of mobile payment to a greater extent. If the control of network risk can be increased, the Internet finance and even the Internet of Things finance can make a major breakthrough. For the future consumers’ consumption The concept has important guidelines.