Research On Risk Of Third-Party Payment Enterprises In China

With the prosperity of e-commerce and internet finance,China's third-party payment industry has entered a new era of rapid development.It has strong convenience,high efficiency and flexibility,and changes traditional trading methods and consumption patterns,and has penetrated into people's production and life.The vigorous development of the third-party payment industry has caused more and more enterprises to participate in the payment market.Because of the uneven development of various enterprises,it may cause vicious competition,thereby increasing the risk of enterprise management and affecting the security of online payment.Therefore,Research on third-party payment enterprise risk is especially necessary.This paper takes the third-party payment enterprise as the research subject,analyzes the various types of risks existing in the payment enterprise,and makes qualitative and quantitative evaluations.Finally,it puts forward the rationalization suggestions for the high-risk type.This paper mainly comes from the following three parts discuss:The first part is the theoretical overview.It mainly summarizes the relevant literatures of third-party payment industry and enterprise development at home and abroad.According to the theoretical research results of scholars,combined with the current environment of China's third-party payment market,the third-party payment enterprises in China are analyzed.The general situation of future development: the market competition pressure is increasing,the credit guarantee is continuously improved,the license supervision is strict,and the network payment has hidden dangers,which leads to the discussion of the risk of the third-party payment enterprise.The second part is the important chapter of this paper.It mainly analyzes and evaluates the risk of third-party payment companies.It uses AHP-fuzzy comprehensive evaluation method to analyze it quantitatively and qualitatively,and comprehensively analyzes various types of risks,which are summarized as four.Aspects: legal supervision risk,platform operation risk,market security risk and network technology risk,and then construct a risk assessment model to assess the risk level of each level and each indicator.The third part mainly proposes countermeasures against risk prevention for high-risk types.The recommendations are divided into two aspects.From the perspective of government supervision,we must strengthen the management of deposit funds,combat online money laundering,and purify the network social environment,improve the credit rating system,and improve market access and exit mechanism,and increase the protection of consumers' legitimate rights and interests.From the perspective of internal control of enterprises:optimize enterprise resources,improve risk management level,strictly control technical standards,enhance network security,strengthen cooperation and communication with otherparties,and innovate service models to ensure the healthy development of China's third-party payment market and orderly operation of enterprises.