摘 要：随着全球经济高速发展，我国传统支付工具已经不能满足当代支付的需要，伴随着网络时代的到来，网上购物得到了迅猛的发展，由此产生了一大批电子支付工具。支付宝、财付通、网上银行等都是我国支付工具今后发展的方向，特别随着移动互联网智能终端的普及，具有随身、随时、随地支付特性的移动支付作为一种新兴支付方式，在我国逐渐发展起来。
关键词：移动支付工具；近场支付；远程支付；NFC支付；二维码支付
作者介绍：
王雅琦（1996.02－），女，汉族，四川泸定人，学习委员，研究方向：电子商务。
DevelopmentStatus of Personal Mobile Payment Tools in China
WANG Yaqi
Abstract：With the rapid development of theglobal economy，China's traditional payment tools havebeen unable to meet the needs of modern payment，withthe advent of the Internet era，online shopping has beenrapid development，resulting in a large number ofelectronic payment instruments. Alipay，TenPay，online banking and other payment instruments are China's futuredevelopment direction，especially with the popularity ofmobile Internet smart terminal，portable，anytime and anywhere with mobile payment of payment as a new paymentmethod，has been gradually developed in our country.
Keywords：mobile payment tools；near field payment；remote payment；NFC payment；two-dimensional code payment
参考文献：
[1] 漆慧.我国手机支付的发展现状及方向 [J].会计师，2013.
[2] 赵颖.第三方支付的模式分析及问题探索 [D].北京：对外经济贸易大学