Research On Optimization Of Operation And Management Of Third Party Payment Enterprises

In recent years,with the popularization and development of Internet finance and the change of people’s life style,the development of the third-party payment industry is very fast.In addition,the regulatory authorities have set the entry threshold for the third-party payment industry,which provides more opportunities for the third-party payment enterprises that already have industry qualifications.However,the "polarization" of the third-party payment industry in China is relatively serious at present.The first tier of third-party payment enterprises represented by Alipay and Tenpay account for a large market,but the second tier of small and medium-sized third-party payment enterprises also has a strong development momentum.In particular,third-party payment enterprises with good operation and management can reduce their own costs and enhance their competitiveness through good internal operation and management,thus obtaining better profits.Therefore,based on the analysis of the application of scientific management theory,business process reengineering theory,interpersonal relationship theory,assembly line production theory,big data theory and technology in the operation and management of Y payment company,this paper takes the operation and management of Y payment company as an example,analyzes the current situation and existing problems of the operation and management of Y payment company,puts forward the objectives,principles,basic ideas and contents of the optimization of the operation and management of Y payment company,and analyzes the safeguard measures for the optimization of the operation and management of Y payment company.This study found that:First of all,this paper analyzes the current situation and problems of Y payment company’s operation and management.It holds that Y payment company has built its own operation and management system in the aspects of operation and management system arrangement,organization structure of operation and management department,operation and management service flow,operation and management informatization construction,etc.However,there are some system deficiencies in operation and management system and standardization,as well as non-planning problems in internal management.In terms of organizational structure setting,there are problems of large number of employees and lack of posts in the current operation and management departments,lack of some operation processes in the operation and management processes,high informatization cost and lack of internal office systems in the operation and management informatization,lack of application of data usage and data analysis in the current operation processes in the use of big data technology,and lack of marketing using big data technology,and relatively high turnover rate of existing employees in the staff turnover.Secondly,aiming at the problems existing in the operation and management of Y payment company,this paper puts forward the objectives,principles,basic ideas and contents of operation and management optimization,and points out that the optimization objectives are to support the overall operation and decision-making of the enterprise and the application of advanced technical means,and follow the principles of importance,strategic orientation,full participation and capability.The basic ideas are to learn from the successful experiences of other enterprises in the same industry and to perfect and optimize the existing problems,while the optimized contents are aimed at the problems of operation and management system and standardization,organizational structure,operation and management process,operation and management informatization,use of big data technology and staff turnover.Furthermore,this article thinks that the smooth implementation of the optimization of operation and management should be guaranteed from the system guarantee,personnel guarantee,capital guarantee and plan schedule guarantee scheme.At the same time,it is believed that the operation management optimization of Y payment company has achieved the expected effect.The research on the optimization of Y payment company’s operation management can provide management reference for similar companies.