随着现代信息科技的深入发展和电子商务模式的不断创新,我国的手机支付产业迎来了一个全新的战略发展机遇。本文重点研究了作为手机支付重要组成部分的手机跨行支付的5种不同的实现模式,详细阐明了这5种模式的业务流程和实现机制,并就它们的特点进行了归纳和总结。此外,还指出了限制我国手机跨行支付产业发展的制约因素,并提出了相关的政策建议。 With the further development of modern information technology and the continuous innovation of the e-commerce model, the mobile payment industry in our country ushers in a brand-new strategic development opportunity. This article focuses on five different modes of mobile phone interbank payment as an important part of mobile payment, elaborates the business processes and implementation mechanisms of these five models in detail, and summarizes their characteristics. In addition, the paper also points out the restrictive factors that restrict the development of China’s mobile phone inter-bank payment industry and puts forward relevant policy suggestions.