Research On The Risk Management Of Bank Card Acquiring Business Of G Payment Company

Since 1985,China began to create a bank card business,30 years after the start period,transition period,expansion period and other stages,and ultimately ushered in the peak period of full-speed development.As of the end of 2015,China’s bank card issuance of more than 5.2billion,all kinds of automatic credit card machines,cash dispensers all over the country,greatly facilitate the people’s daily life.Consumers have been from the initial bank card collection business of the novel stage of development to the present great dependence.As the bank card collection business in various fields of development,people’s daily life has gradually become closely linked with the bank card business.The rapid development of the bank card collection market has also promoted the rapid rise of China’s third-party payment industry,and become another pillar industry to promote China’s economic development.In this paper,through the analysis of the risk management theory system of the bank card collection business,combined with the actual development of G company,it finds out the shortcomings of the risk management of the bank card collection business: First,the special business risk management Mechanism is not perfect.Second,the focus on expanding the business area and sparse on the supervision of the business.Third,the lack of supervision,punishment can not be implemented in place.Fourth,the lack of risk training for cooperative merchants and post-regulation.In view of the above problems,the author puts forward the corresponding solution: First,improve the business development of special merchants.Second,the existing risk management requirements of the standard,for the risk of a single business out of the detailed business process detailed management approach.Third,in order to strictly monitor the current rampant credit card cash and other illegal activities,G companies need to promptly find and adjust their own bank card approval process defects,through mutual supervision and management approach to reduce the internal management risks,and through continuous training to enhance Risk prevention and legal awareness of special merchants.At the same time strictly regulate the provisions of the punishment management and operation supervision system,and through the supervision of the system in place.The establishment of risk assessment and emergency response system to strengthen the identification of risk identification,through the strict implementation of penalties to enhance the legal awareness of business partners.Cultivate their own risk management personnel,continue to enhance their own risk prevention,assessment,processing,improvement andother aspects of the management level.Fourth,the multi-measures simultaneously to strengthen anti-money laundering work.Fifth,G companies should establish communication channels with other enterprises in the same industry,with a view to strengthening the level of industry risk defense to further enhance their own risk prevention.