Alipay Third-party Payment Platform Risk Assessment System Research

Along with generalized coverage of the Internet as well as innovation and rapid development of the IT technology,the third-party payment platform appears with a function to build a connection relationship between consumers and payment services,so the top priority of stable development of the third-party payment platform is to ensure security and stability of the connection relationship.With the advancement of science and technology,the third-party payment gets widespread concern and rapid development because it is free from time and space constraints with more comprehensive service functions and fields.The third-party payment platform,as a good trading service platform for enterprises,also brings a number of risk factors invisibly.In addition,some Internet companies do not take effective risk aversion measures due to the lack of awareness of risk management and control,causing significant economic losses,so that many enterprises cannot maintain the operation and go into final collapse.Alipay Company is the most typical enterprise of the third-party payment with a perfect internal control system that has great guiding significance for the internal management of the third-party payment industry.On the basis of the definition of the concept,this paper uses two theories-information asymmetry theory and internal control theory.Firstly,it analyzes the operation mode of Alipay Company,understands its internal and external environment,breaks through the discussion of macroscopic level,and then analyzes Alipay companies face their own financial level,liquidity level and other six risks.Secondly,according to the construction principle of risk assessment system-systematic principle,scientific principle,comprehensive principle and practicability principle,we construct the research on risk assessment system of Alipay.Finally,according to the risks faced by Alipay,the countermeasures of risk prevention and control are put forward from the angle of internal control.Alipay Company can get better development opportunities and space by enhancing the risk management awareness,analyzing shortcomings of Alipay's risk control,establishing the risk assessment system.In this paper,the case analysis method,the fuzzy mathematical analysis method and the expert scoring method are used to conduct an empirical analysis of the risk assessment process and its results of Alipay,in order to reasonably avoid risks of Alipay,which is helpful to promote the long-term development of Alipay with a reference value for other third-party payment platform enterprises.