Third-party Payment Business Model Risk Control Research

In recent years, with the rapid development of e-commerce, payment also has a great development. The third-party payment, from the original inter media, gradually became an emerging industries of a great potential. At the beginning of the development, in order to take up the market to obtain the users, it was savings to the customer. With the steady development of the third-party payment market, third-party payment companies would to confirm their market orientation, and develop focusing on their strengths.Through the research of the risk of third-party payment business model, this paper argues that the third party payment business model, at the background of the Internet financial and mobile financial, provide service for the customer to obtain profits and sustainable development. This paper is devoted to recognize the risk of the business model, and try to establish a risk assessment model, thus puts forward risk control measures to reduce risk level, then provide some theoretical basis for its longterm development. The core of this paper is to set up a third-party payment business model risk level recognition model through the questionnaire data and BP network, through a large amount of data to train the BP network and thus enhanced the universal applicability and accuracy, so as to achieve such a state: for a third-party payment enterprise, input the enterprise risk data according to the index system, this model can output the risk level of the enterprise. Then take certain measures to control its risk according the results.Based on the third-party payment enterprises as the research object, on the basis of reading related literature, then to have an analysis of its business model, and combined with the present characteristics of China, to identify and analyze control the risk factors, and put forward the index system of the risk of third-party payment business model, and using artificial neural network, BP network, to identify the risk of the third party payment enterprise business model, and applied the established risk control model for alibaba enterprise as a case study, and then make a detailed analysis of the result of the measure, thus supply risk control measures for third-party payment enterprises to reduce the risk level.This paper is dedicated to build a comprehensive risk quantitative evaluation index system and provides a comparative risk rating decision model, for third-party payment industry in different enterprises and the same enterprise in different periods, And the quantitative study of the third party payment provides a different way of thinking.