电信运营商移动金融发展策略研究

在移动互联网浪潮中，微信、爱聊等新产品不断挑战电信运营商的主营业务收入，海量数据流量增加了电信网络的负载却未带来相应的利润，电信运营商被管道化风险不断增加。为了迎接移动互联网浪潮的挑战，运营商必须以移动金融为突破点，发挥旗下电子支付公司牌照优势，运用云计算、大数据等新技术，创新产品体系，打破以话音和数据业务为主的经营模式，增强移动金融服务能力。

Study on the Telecom Operators＇ Development Strategy of Mobile Finance

In the mobile Internet tide, many new products, like wechat and i-chat,bring challenge to telecom operators＇ main business income constantly. Massive data flow increases the load of telecom network but didn＇t bring the corresponding profits, and telecom operators are more likely becoming pipelines of data. In order to meet the challenges of mobile Internet tide, operators must make mobile finance as the breakthrough point to make full use of subsidiary corporation＇ payment license with using cloud computing,big data and other advantages. The business model that voice and data business occupy a very large part was broken by making the product system innovate to enhance the mobile financial service ability.