Reserch 0n The Risk Management Of The Third Party Payment

With the booming development of e-commerce and Internet finance,China’s third-party payment industry has entered a new era of rapid development.The third-party payment is very convenient,efficient and flexible.It changes the current unified transaction mode and charging mode in China and has been deeply involved in People’s Daily production and life activities.With the booming development of the third-party payment industry,more and more enterprises have launched fierce competition in the payment market.Due to the unbalanced development of different enterprises,the development of third-party payment may also cause vicious competition,thus increasing the management risk of enterprises and affecting the security of online payment.Therefore,it is particularly necessary to study the risks of third-party payment enterprises.This paper first introduces the meaning of the third payment,the definition of cargo classification insurance and the relevant theories used in this paper.Then,it carries out multiple risk identification of third-party payment from the internal environment and department level,and establishes a three-layer payment risk evaluation index system composed of first-level,second-level and third-level indicators.Secondly,this paper also establishes a qualified scientific risk evaluation index system.This paper adopts the analytic hierarchy process(ahp)method to ensure the reusability of various indicators through questionnaire survey.Afterwards,the in-kind insurance assessment was carried out for the third-party payment.Taking equal pay for equal work as an example,this paper distinguishes different third-party payment methods from the perspective of micro level,and analyzes the manifestation of third-party insurance tools in detail.Finally,this paper discusses the insurance model and risk management of the third-party payment industry from three aspects:business side,payment structure and consumers,and puts forward feasible Suggestions.