The Study On The Financial Management Mode And Risk Management Of The Third Party Payment Mechanism

Under the rise of the background in online shopping, Internet finance and other emerging market, with a double boost of market demand and capital markets, the third party payment mechanism has been an unprecedented development. Even if it appears to the merchant, the customer and the bank of the three way to build a "bridge", effectively balances the buyers and sellers of information asymmetry in electronic commerce, greatly reduces the uncertainty of the risk in network trading, increases the probability of network transaction, but the industry homogenization of serious, large number of institutions quality uneven situation caused by the third party payment industry profits narrow space. Naturally, compared with the traditional payment systems, the third party payment mechanism is mainly acts as a "middle man" role, greatly curbs fraud in electronic transactions, effectively eases the crisis of confidence in the trade of the network、the existence of the moral hazard and adverse selection crisis, but also because of the intermediary role, cases a huge amount of payment to precipitate in the third party payment platform. At present, the domestic for how to use this part of deposit funds does not specify, so, research on moving this part of deposit funds not only for the third party payment mechanism to increase profit point, but also to play a positive role for the good development of the financial market.On the base of the analysis of the correlative researches, the drawbacks of the third party payment mechanism of the previous profit model is analyzed in theory, puts forward the new financial management model based on the open operation of the depositing fund of the third party payment platform; secondly, standing on the perspective of the new financial management, by using the method of expert method and risk categories to analyze potential risk factors; finally, adhering to the primary principle of safety and liquidity, constructing two new financial management model based on the open operation of the depositing fund of the third party payment platform, one is to use a fuzzy hierarchy comprehensive evaluation model to construct the internal financing mode, the other one is to use to construct the model of portfolio investment financing mode based on PMV, and according to two kinds of new financial management model, put forward the corresponding risk controls in the perspective of the third party payment mechanism.