Research On Risk Management Optimization Of X E-commerce Consumer Finance Business

E-commerce Internet consumer finance has gradually become one of the common financial services in today’s society.However,due to the short development time of this financial service and the less experience of e-commerce platforms compared with traditional financial institutions,the daily operation of e-commerce Internet consumer finance is relatively weak in risk response.On this premise,this research selects X e-commerce platform,which is more representative in e-commerce Internet consumer finance in recent years,to summarize and study its risk management strategies in the field of consumer finance business,and put forward feasible optimization suggestions for risk management.At the theoretical level,this study first briefly reviewed the development process of e-commerce platform consumer finance,and differentiated the core concepts of Internet consumer finance and e-commerce platform Internet consumer finance.Secondly,this research discusses and comments on the current risk management strategy of the platform based on the business practice of X e-commerce platform Internet consumer finance.Thirdly,this study analyzes the risks faced by X e-commerce,and on this basis,it uses data analysis tools to establish a risk control model for X platform,and puts forward corresponding business improvement suggestions at different stages.Finally,this study draws the following conclusions through the analysis of the consumer finance business of e-commerce on the X platform: e-commerce represented by X e-commerce needs to pay attention to risk control and strengthen risk prevention from different aspects of the business.In terms of system construction,we could change the ways of risk management and the audit,and attach importance to the risk early warning mechanism and collection system;In terms of human resources,it is necessary to strengthen the team of risk talent echelon,improve internal systems,and actively participate in foreign cooperation and talent training;In terms of technology,it is necessary to improve the information system support capacity,strengthen system maintenance and establish corresponding emergency plans to ensure the security of the platform in an all-round way.