中文摘要：

近年来，我国移动金融发展迅速，规模和增速均居世界前列。移动金融积极作用的充分发挥要以持续创新为重要前提，然而任何创新都会面临各种机遇和挑战，甚至会产生巨大风险，移动金融也不例外。其创新活动在技术和软件与网络安全、产品和服务差异化、创新动力塑造、市场竞争秩序、合作机制构建及监管体制等方面均存在一些突出问题。由于移动金融业的脆弱性远高于传统金融业，一个很小的事件就很可能引发较大危机，因此应重视技术、软件和网络安全，创新与完善移动金融产品和服务及金融机构内部组织与管理制度，加强多方合作机制建设，有效引导和规范监管移动金融创新。

英文摘要：

In recent years, China＇s mobile finance has developed rapidly, and both its scale and growth rate have been ranked in the forefront of the world. Continuous innovation is the key prerequisite for mobile finance to play its positive role. However, any innovation will face various opportunities and challenges, and even great risks, mobile finance is no exception. Its innovation activities show deficiencies in areas such as technol- ogy - software - network security, products and services differentiation, innovation power creation, market competition order standardization, cooperation mechanism construction and supervision system improvement. As the mobile financial industry is far more vulnerable than traditional finance industry, a small event is likely to trigger a crisis and should be given high priority. We should pay great attention to the innovation and im- provement of technology - software - network security, products and services, financial institutions internal or- ganization and management system, strengthening the construction of multi - party cooperation mechanism, ef- fective and guide and regulate the innovation of mobile finance effectively.