The Risk Managememt Research On Payment Project Of H Company

With the continuous expansion of the Internet industry,the requirements for financial payment are not only satisfied with calling to realize the payment function,but also create their own payment product line,so as to achieve the company’s leap into the financial field.There are various payment options,but no matter which method is used,the corresponding Internet finance companies engaged in payment business also need to continuously improve their risk management level to ensure that the user’s security environment and privacy and interests are not illegally violated,whether it is aggregated payment,third-party payment,or block chain technology,payment projects cannot avoid problems in risk management.Defects will undoubtedly be exposed,and there will be a new risk of Internet payment,resulting in double damage to the platform’s reputation and interests,causing unnecessary losses for enterprises.In order to prevent major financial risk problems in payment projects caused by management risk issues,it is necessary to discover loopholes in risk management in advance,so that corresponding measures and strategies can be formulated to avoid or mitigate risks and improve the defects in enterprise management.Aiming at the challenges of risk management in the process of running payment projects online,this paper discusses the process and methods of risk management from the perspectives of theory,identification,control,etc.First,the background and research value of the paper are described at the beginning.Check the research status of the same period,introduce the content to be studied this time,introduce related research methods,etc.,and introduce the theme and key technology to be studied in the paper.Secondly,through the theoretical overview of payment risk management,understand the relevant definitions of payment risk,recognize the meaning of risk from the theoretical level,and lay a theoretical foundation for the analysis of payment risk management theories mentioned later on the risk management of payment companies;Then,taking H Company’s payment risk management experience as a research theoretical reference,it lists the problems that the company has encountered at the risk management operation level,analyzes the actual situation and underlying reasons of the risks with reference to the theory,and puts forward specific implementation suggestions according to the current risk problems.;Finally,based on the arguments of the whole article,the research conclusions are summarized,and the future company’s risk control management direction range and outlook positioning are obtained.The focus of this paper is to summarize the research on risk management of small and micro payment enterprises,and to make theoretical supplements for the business development of Internet payment.