1. 研究目的与意义（文献综述包含参考文献）

On the basis of summarizing and introducing the development history of mobile payment industry, it makes a comparative analysis of the development of mobile payment industry in typical countries, and combines existing research results to present useful implication and countermeasures. As a response to the ”One Belt, One Road” initiative, cross-border e-commerce will continue to develop, and the mobile payment market has broad prospects. Study the current adoption of mobile payment services in Uzbekistan have important theoretical and practical significance. Ⅰ. The research related to the History of mobile payment Uzbekistan#8217;s mobile payment history considered by many experts. Timur Tukhtarov, Bank.uz (2011) reported in Uzbekistan internet banking appeared in 2007 as a service for corporate clients. The next step in its development in the country was the introduction of this service for individuals. The first bank in Uzbekistan, which most fully offered Internet banking services to individuals, was Samarkand Bank. The Bank announced on May 1, 2009 the launch of a new service on the Internet and called its product Sam.online - Internet banking. Furthermore, Djurabayev A.A (2008) mentioned the market of electronic payment was relatively new, emerging but rapidly developing financial market services of Uzbekistan. Significant niche in electronic payments takes the banking and financial republican system, telecommunications infrastructure and information technology in which began to develop earlier than in other industries. The competition is made up of non-financial organizations operating in the segment of electronic payments for services. Regarding the history adoption of mobile payment Abdullayeva Sh.R (2014) and Otamurodov H. H. (2017) both observed that use of mobile payments increased over time in Uzbekistan. In 2011, 12 percent of mobile phone users and 23 percent of smartphone users reported using mobile payments. By 2014, usage of mobile payments had increased to 22 percent for mobile phone users and to 28 percent for smartphone users. The steady increases in the adoption rate among all mobile phone users, but more gradual rise in the adoption rate among smartphone users, suggest that smartphone adoption substantially contributed to the increased use of mobile payments. Ⅱ. The research related to the environment of M mobile payment industry 1. Determining relevant factors within PEST analysis The purpose of this research is to determine politic, economic, socio-cultural and technological aspects from the point of mobile payment in this country. During the first factor Abdullayeva Sh.R (2014) mentioned which, unlike many countries, we have a sufficiently developed legislative base of implementation of Internet banking. It includes the laws of the republic of Uzbekistan, namely ”On Banks and Banking”, ”On the Central Bank of the Republic of Uzbekistan”, ”On Informatisation”, ”About electronic document management”, ”On electronic commerce”, ”On electronic payments”, ”About Information board in an automated banking system”. At the same time, so far none of the laws have a clear definition internet banking as a type of commerce service banks. Secondly, Aleksandra Djeleznyak Podrobno.uz (2015) reported according to the Central Bank of Uzbekistan, as of January 1,2015, over 534 thousand customers used the service of remote banking services in the republic. At the same time, more than 472 thousand people choose mobile banking and SMS banking services, and only 62,2 thousand clients preferred internet banking and the bank-client service. It illustrates that use of mobile payment is growing year by year, which means it also effects development of economy in the country. Third aspect is about socio-cultural environment in this area, Temur Tukhtarov Bank.uz (2011) mentioned ordinary users are especially worried about the issue of how safe the Remote Banking Service is. Despite the fact that there have not been any cases of fraud in the domestic market of remote banking, but world experience shows real cases of offenses in this area. Special vigilance must be observed when ”surfing” on the Internet and visiting little-known suspicious sites, including the links received in e-mails from unknown senders. In addition, individuals are strongly discouraged from using the Internet banking system from a business computer or from an Internet cafe. Experts of world banks note that the majority of clients deceived by scammers themselves and provide the information they need to the attackers. Last stage of PEST analysis includes technological aspects for this case, so Abdullayeva Ch.R (2014) reported further increasing of competitiveness of a national banking system in many respects is defined by a level of development of the modern technologies, one of which major directions is the Internet banking, her article is devoted to questions of Internet banking opportunities for wide use by the population on the basis of studying of foreign experience and national practice. Ⅲ. The research related to the commercial banks mobile payment development system Abdullayeva Ch.R mentioned for the development of Internet banking in Uzbekistan it is proposed to consider the following: - widespread popularization of Internet banking among the public and expansion functionality of Internet banking systems with the provision of opportunities make payments and payments, primarily utilities, using accumulated experience in organizing settlements for mobile communication services; - in order to increase literacy using Internet banking is possible implementation of the project of creating a virtual bank on the sites of commercial banks, where citizens can carry out banking operations on virtual accounts in the gaming format, after gaining the skills to open real accounts in the same bank. The the project can be implemented together with one of the universities, then professional skills use and processing of banking transactions will be carried out with the participation of students. - an important direction of development of Internet banking is constant improvement of the bank#8217;s security systems, along with technological issues It is recommended that the recommendations of the Basel Committee on Banking Supervision in Compliance with the 14 Risk Management Principles electronic banking services; -assisting the development of e-commerce and the implementation of joint with commercial banks to create online stores and specialized trade portals, which will also contribute to a wide involvement of users of Internet banking services. Ⅳ. Summary of research status quo During the analyzing and studying mobile payment conditions in Uzbekistan, I explored that mobile banking system is in initial stage, and it is not developed yet. There are some issues in this system, however area is very compatible for the developing mobile payment. Whole paragraph of this thesis gives more solving tips for the problems. References [1] Otamurodov H H. Mobile Banking: Advantages and Disadvantages. Экономика и бизнес: теория и практика.[M] 2017, (5): 194~198. [2] Abdullayeva Ch R, Зарубежный Опыт и Перспективы Развития Интернет-Банкинга В Узбекистане. Экономика и финансы (Узбекистан).[M] 2014, (6): 10~15. [3] Джурабаев А А, Совершенствование механизма электронных платежей в Республике Узбекистан. Экономика и управление.[M] 2008, (40): 84~88. [4] Ольховская И В. Развитие Платежных Систем В Узбекистане. Наука, техника и образование.[M] 2017, (3): 89~91. [5] Аллаярова Г Б. Применение Новых Технологий В Банковской Системе И Их Значение. Узбекистан О Р.[D]. 2013. [6] Худаярова Х. Пути Совершенствования и Перспективы Развития Интернет-Банкинга В Республике Узбекистан. International Scientific and Practical Conference World science.[M] 2017, (5) :63~66. [7] Абдуллаева Ш Р. Внедрение инноваций в развитие банковских услуг в Узбекистане. Современная наука: актуальные проблемы и пути их решения. 2014. (11):59~62. [8] Тимур Тухтар.Интернет и мобильный банкинг для физических лиц в Узбекистане.[EB/OL] https://bank.uz/publish/doc/text61403_internet_i_mobilnyy_banking_dlya_fizicheskih_lic_v_uzbekistane , 2011. [9] Узнацбанк объявляет об официальном запуске своего мобильного приложения laquo;Milliyraquo; [EB/OL]. https://nbu.uz/press-releases/uznatsbank-obyavlyaet-ob-ofitsialnom-zapuske-svoego-mobilnogo-prilozheniya-milliy/ 2017. [10] В Узбекистане более полмиллиона людей пользуются услугами мобильного и Интернет-банкинга [EB/OL]. https://podrobno.uz/cat/economic/uzbekistan-banki-internet-sms-banking/ 2015. [11] Саида Жонизо#1179;ова. ИНТЕРНЕТ-Д#1038;КОННИ #1178;АНДАЙ Т#1038;ЛОВ ТИЗИМЛАРИГА УЛАШ МУМКИН? [EB/OL]. https://www.norma.uz/bizning_sharhlar/internet-dukonni_qanday_tulov_tizimlariga_ulash_mumkin 2017. [12] Uzcard tizimi ishdan chiqishi O”zbekistondagi savdolarga jiddiy ta#8217;sir ko”rsatmoqda [EB/OL]. http://xit.uz/uzbek-news/69191-uzcard-tizimi-ishdan-chiqishi-o-zbekistondagi-savdolarga-jiddiy-ta-sir-ko-rsatmoqda.html 2018. [13] PAYNET TO'LOV TIZIMI HAQIDA [EB/OL]. http://uzbshop.uz/maqolalar/tolov-tizimlari/19-paynet-tolov-tizimi-haqida.html 2016 [14] O”zbekistonda QR-kod orqali to”lov tizimi joriy qilindi [EB/OL]. http://xit.uz/uzbek-news/5904-o-zbekistonda-qr-kod-orqali-to-lov-tizimi-joriy-qilindi.html 2017 [15] G'olib Avezov. Elektron to#8217;lov tizimlarining qulayliklari [EB/OL]. http://sahifa.uz/blog/elektron-tolov-tizimlarining-qulayliklari.html 2016. [16] O'zbeksitonda Qanday Elektron To'lov Tizimlari Bor? [EB/OL]. http://tavsiya.ucoz.com/news/o_zbeksitonda_qanday_elektron_to_lov_tizimlari_bor/2012-11-29-133 2012.

2. 研究的基本内容、问题解决措施及方案

1.Research Topic The article discusses the most popular payment systems in the Republic of Uzbekistan. Without instant data transmission to anywhere in the world and online communication, it is impossible to imagine the current activity of any user. In the Republic of Uzbekistan, using the means of communication, the Mobile Payment System is used, which operates in accordance with the regulatory documents of the RUZ. A modern scheme for posting payment services and operations ensures secure transactions and increases the reliability of the system. One of the main factors determining the development of the economy in Uzbekistan is electronic business, its long-term development and increase in opportunities. 2.Research Methods 2.1 Document research During the study, I read a lot of domestic and foreign literature on mobile payment in Uzbekistan. I did extensive reading and intensive reading of classic literature, and I found my own entry point from previous literature results. Finding relevant constraints and extending them provides a solid theoretical basis for this research. 2.2 Contrast Deduction. In the analysis of the literature and materials of this thesis, I have used the investigation and research method. The main ways are: library books, journal borrowing, and online research approach to obtain relevant literature and data, and analyze them to improve the paper through specific data.