Research On Risk Analysis And Preventive Measures Of Payment Platform In Chinese Enterprises

With the development of science and technology and the progress of the electronic,the Internet has rapidly penetrated into every corner of people's daily life,it has became a global distribution channel for goods,services,even management work and various of professional skills.The change brought by the internet revolution was e-commerce.With the rapid development of e-commerce in China,e-commerce relies on the electronic payment platform to realize the currency transaction,so that the electronic payment has also been widely used in China.However,even electronic payment under the high speed development,it has faced with some risks,the most of businessmen and consumers worried about is the payment security risk.Because payment platform technology and pay the imperfection of the market is not perfect,there are many potential safety hazards in the process of the payment,it is a barrier to the rapid development of e-commerce of enterprises.Therefore,it is of great significance for the development of e-commerce for enterprises to analyze the security problems and risks faced by enterprise payment platforms and formulate solutions.This essay will take the Chinese enterprises electronic payment platform security risk analysis and the prevention measure research as the theme,take the AFC payment system security incident of A city Metro as an example.It will analysis the electronic payment platform security problems of Chinese enterprises and combined with the development status of electronic payment,this essay will put forward some suggestions and strategies to solve the security problems of electronic payment platform.To begin with,this essay will describe the development status of first-party payment platforms in Chinese enterprises and analyzes the problems existing in the development process of payment platforms.Secondly,according to the development status of the payment platform,this essay will list the risks that the payment platforms may have and analysis the sources of the risks.Then this essay will according to the AFC payment system safety incident of A city Metro,through the case to make a conclusion and analysis.At last,according to the case,this essay will give suggestions of preventive measures to the enterprises.According to the investment of this essay,facing the security risks of the payment platform,enterprises should first strengthen the preventive measures of payment platform system.Secondly,through the management of payment platform,enterprises need to establish a perfect electronic payment platform risk management system,ensure the payment platform risk management objectives,implement the construction of risk management information management system,carry out the construction of risk management information management system and strengthen the data monitoring related to the risks.Meanwhile,enterprises also need to strengthen the training of payment safety management awareness and risk management talents.What is more,the government should strengthen the supervision of network environment and the perfection of network-related laws.