Research On Risk Prevention Of Third-party Payment Of Ant Group

In recent years,the rapid development of Internet finance,showing great vitality,convenient personal life and enterprise production and management,on the one hand,it provides a variety of financial products for various types of investors,so that investors can choose financial products suitable for individual characteristics;On the other hand,it alleviates the problem of difficult and expensive financing for small and micro enterprises.As a practical problem that has plagued many small and micro enterprises in recent years,Internet finance provides a good solution to this problem.As an important field of Internet finance,third-party payment has been developed and expanded in recent decades.It has the advantages of relatively safe,low payment cost,convenient use and perfect credit system,which facilitates the daily life of investors and consumers.However,in recent years,the development of third-party payment platforms has also exposed some risks,such as policy and regulatory risks,credit risks,technical and operational risks,precipitated capital risks,information disclosure risks,personal privacy and consumer rights and interests protection risks,etc.,which,to some extent,have an impact on personal life and enterprise production and operation.Therefore,it is extremely important for other market players to reasonably and effectively evaluate a series of risks existing in the operation of third-party payment platforms.As an important member of China’s third-party payment,Ant Group’s third-party payment risk has an important influence in the third-party payment market.Therefore,it is extremely important to effectively and reasonably evaluate the risks of Ant Group’s third-party payment platform.This paper takes the third-party payment platform of Ant Group as an example,By studying the relevant literature at home and abroad,conducts an in-depth study of the case with the methods of case analysis,comparative analysis,literature analysis,qualitative and quantitative analysis,and combines the risk management theory,long tail theory and platform theory to sort out the main risks faced by the third-party payment platform of Ant Group.The risks of Ant Group’s third-party payment platform were evaluated by fuzzy analytic hierarchy process,and the corresponding risks were evaluated by constructing judgment matrix,conducting single hierarchical ranking and consistency test,conducting total hierarchical ranking,establishing evaluation set and fuzzy evaluation model.It was concluded that the secondary index risks affecting the operation of Ant Group’s third-party payment platform mainly included: Seller’s default risk,bank breach of trust risk,precipitation fund risk,online money laundering risk,legal liability risk,external competition risk,etc.,and from the perspective of external management and internal management to put forward corresponding suggestions to the relevant,External managem ent mainly from strengthening financial supervision,speeding up the legislative work,strengtheni ng the construction of trade associations,cultivating network social environment and other aspects of the elaboration,internal management mainly from the improvement of internal rules and regula tions,improve the technical level,strengthen the internal fund management Angle to elaborate.