The past two years,China’s mobile payment business strong momentum of development,China’s third-party mobile payment transaction volume grew 57.3% last year,the market scale reached 9.31 trillion yuan.In the current mobile payment technology is not mature enough,the wireless public network is not very safe conditions,which led to a number of payment security issues,which largely determines the potential risks to consumer mobile payment this new payment method acceptance approval,a serious impediment to the vigorous development of mobile payment industry.In this paper,the case study method in a wide range of domestic and international Buyers risk theory,the development of mobile payment technology on the formation of a paper framework.Firstly,the risk theory was outlined,highlighting the core concepts of risk,compared to the COSO framework and China’s central enterprise-wide risk management,COSO ERM framework to pay third-party application.Secondly,in order to pay the company,for example,on the basis of inquiry Alipay mobile payment business development situation and operating environment,based on the analysis of the main types of risk at this stage of mobile payment services exist,including legal policy risk,settling financial risk,operational risk,technology risk and other risks.Combined with the characteristics of mobile payment services again introduced mobile payment method for risk assessment,evaluation of the significance and explanation,while the use of different methods for different types of risk focuses on mobile payment risks are analyzed and evaluated results show.Finally,based on research and analysis,through a series of optimization measures to improve the mobile payment company Alipay Risk Control.Through this study,we obtained the following conclusions: First,at this stage,although the rapid development of third-party mobile payment,but its problems are still many,very risky,risk factors affecting their development is greater;Second,pay the company the latest central bank to strictly abide by regulations on third-party payment mechanism,a clear business model,in order to promote the principles of risk control to expand the company’s mobile payment services;Third,through the improvement of safety program,system defect,security and data transfer payment network security,the greatest degree of reducing the risk of mobile payment transaction process,to ensure the safe transfer,mobile payment transaction platform funds.Fourth,the optimization of business processes to improve and safeguard measures can effectively improve the pay mobile payment risk control Bowes,which improve business processes,including both the trading process and fund management processes,in the transaction process context,should business management,user management started;in funds management,from information security,financial security,payment security,financial settlement system optimization and other aspects to be considered.Improve risk control environment,strengthen risk assessment,the establishment of effective communication,control activities and strengthen internal and external adjustment is the focus of supervision should focus on mobile payment optimization of safeguards. |