An Empirical Study On Risk Management Of Third Party Payment

In recent years, the third party payment as a new force of the pay system, although is a financial institution, it has some similar risk characteristics and fina ncial institutions. Its security or not, is not only closely related to the vital interests of the customer, its stable and healthy development, will also influence the whole payment system, even in financial markets and improve, to guard against these risks and analysis has important practical significance.First of all, this thesis through the literature review method, and through the third-party payment, third-party payment risk, risk assessment and risk management, summarized the domestic and foreign literature, combing out the third-party payment exist all kinds of risks, understand the current research status, for the development of the theory of the present situation of the third-party payment and have a comprehensive understanding of the process, find out the shortage of the research; Secondly, through the questionnaire method, design the questionnaire, please the third party sources for third-party payment risk management of five scale to rate; Again, through empirical analysis method, through the questionnaire reliability validity of original data, regression analysis, validate assumptions correctly or not, analysis the influence factors of the third-party payment risk management and the relationship between Finally, based on these factors, the third-party payment risk management related practical Suggestions.This thesis first studies the key factors influencing the third-party payment risk management, previous scholars study of third-party payment risk management does not involve the key factors o f research, involving risk management research and development of the key factors is not in the field of third-party payment, but concentrated in commercial bank, realize the innovation in the research field; This thesis refer to the previous study of bank risk management model, the model and its scale for the first time applied to third-party payment risk management of empirical study, it is also about third-party payment risk management research on a new attempt, and the model was part of the optimization and innovation, implement the method innovation.