Analysis On The Risk Of The Third Party Mobile Payment Based On The B-P Neural Network

With the rapid development of the times and the economy,people have a faster and faster pace of life.More and more people are wondering a simple and convenient way of life.Today,Alipay and TenPay as the representatives for the third-party mobile payment,they are becoming an important role in our daily life because of the convenience.However,without adequate technical support and regulatory prevention system,convenient also often means risk.Including disclosure of customer information,the non-real-name registration fraud and account fraudulent,various risks are always around us.From this point,this paper dose the research of the risk factors about the third-party mobile payment by the quantitative methods.From the summary of the third-party mobile payment,there are lot of researches show that the perceived risk factors have significant negative influence.However,only a few studies measure the risk factors.In this paper,after a review of the risks management,this paper build a risk evaluation system including financial risk,time risk,technology risk,privacy risk,perceived risk and credit risk,totally 15 specific risk factors.From the evaluation system,this paper collect sample data by questionnaire way,use B-P neural network method to determine the index weight,also use Clementine software and Spss software for data training and validation.As the basis of data analysis,this paper concludes that the current third-party mobile payment risk level is in the low levels of perceived risk.And the most important factors are the economic risk and credit risk.According to research findings,this paper proposes the following recommendations for the development of third-party mobile payment:1.Establishment of a coordination mechanism to strengthen the third-party payment industry regulation;2.Strengthen the management of precipitation funds,maintaining the interests of customers;3.Strengthen security management,prevent financial risks;4.Improve user authentication mechanism,establish an accurate,safe,and efficient certification system;5.Improve laws and regulations,strengthen supervision of anti-money laundering network.