Research On Improvement Of Risk Management Scheme Of Internet Payment Business Of XT Company

In recent years,with the booming development of e-commerce in china,the third party payment industry which provides the payment and settlement service,especially the Internet payment business plays more and more important role in the economic and social development.As the e-commerce springs up and Chinese market opens up,the payment method by the consumers and business gradually influences the international market,thus global payment industry accelerates development.Confronted with such a promising market,the Internet payment companies continue to innovate their products and rich application,in the meantime,however,a range of business risks have been triggered.Therefore,it is especially crucial to upgrade the risk management during the development of the Internet payment business.Through the research on the management and execution of internet payment business in XT.inc,some problems have been found as to the risk management of the internet payment business.The business-risk decomposition method and the analytic hierarchy process have been used on the recognition and analysis on the risk in the internet payment business.On the basis of the research above,it is quite practical to upgrade the risk management project by the risk management objectives,organization,working procedure,risk identification and evaluation and risk control measures.Afterwards,on the basis of determining the implementation steps,it is available to implement some necessary measurements such as organizational guarantee,institutional guarantee,technical support and personnel support,which provides strong support for the improvement of the scheme.