Research On The Application And Risk Management Of The Parasitic Third Party Payment Platforms On E-malls

With the development of electronic commerce and Internet technology,some nonfinancial enterprises with the competitive edge of technology and capital have improved the method of payment,which changes the structure of payment and settlement system.The new method of payment upgrades the quality of payment service,increases the efficiency,broadens business and influences people’s consumption habit deeply.The method solves the problem of inconvenience of traditional ones,which is a beneficial supplement of Chinese payment market.More and more non-financial companies enter the third party payment market and attempt to make handsome profit.They faced fierce competition and finally the parasitic third party payment platform on e-malls who has much higher market shares won the game and users’ trust.But these platforms were not satisfied with the scale of users,they began to provide more payment services and provide value-added financial services for users.The parasitic third party payment platforms on e-malls are more at risk because they should assume the payment risk and the risks from other industries.The platforms keep large amount of data of deals and users.Once risk events happened and the platforms can’t solve them,the users would give them up and turn to alternatives.The loss of customers will influence the operation of parasitic third party payment platforms on e-malls.Hence,the platforms must aim at lowering risks and devote more fund and time to the construction of risk management system for the sake of users’ experience.According to the dominant power and operation pattern,the passage reclassifies the third party payment platform and points out the object of study-the parasitic third party payment platform on E-malls.The SWOT analysis shows that the strategy the platform uses should base on the users,they should dedicate time and money to enhance uers’ satisfactory and usage rate.The platform should pay attention not only to the web and system but also the man-made factors.The text establishes the organizational structure,and tables proposals from the view of users,systems,staff,logistics and collaboration,which reconstructs the structure of risk management of the platform...