Research On The Optimization And Implementati Of Risk Management System Of A Third-party Payment Platform

As a new force in the payment system,third-party payment has experienced explosive growth in recent years,and all the giants have entered the third-party payment industry by purchasing payment licenses.In the era of "big data",payment institutions are scrambling to implant the Internet into various nodes of life,thereby nurturing new growth drivers,and the third-party payment market will become increasingly diversified.However,at the same time,it also causes risks such as information leakage,money laundering and credit overdraft.It is of great practical significance to prevent and analyze these risks.As market chaos has become more serious,the state has become increasingly strict with third-party payment supervision,and small and medium-sized third-party payment platforms have become the main regulatory targets.Group A is the first mobile phone manufacturer in the world to support both bank cards and bus cards.A payment platform(hereinafter referred to as A platform)is a wholly-owned subsidiary of Group A.It is a small and medium-sized third party that enters the third-party payment market by purchasing payment licenses.The payment platform has important practical significance for the research of risk management system.The main research question in this paper is how to optimize the A platform risk management system.What is the business process of this article mainly from the A platform?What is the existing risk management system for Platform A?What is the problem with A platform today’s risk management?The analysis of three aspects,the necessity of optimizing the risk management system of the A platform,and finally the optimization and implementation plan of the risk management system of the A platform.This paper starts with the A platform business process,through the analysis of the internal control risk management system of the A platform,combined with the internal and external environment,the existing problems of the A platform risk management are obtained,and the necessity of the A platform to optimize the risk management system is proposed.The platform risk management system is optimized to be a risk management system based on the ERM framework.In the optimization process,based on the principles of comprehensiveness,effectiveness,independence,cost-effectiveness,etc.,the A platform risk management system is finally optimized into a risk management system based on the ERM framework,and an optimization plan is designed to implement the A platform corporate governance..The conclusion of this paper is:First,the construction of risk management system is inseparable from the integration of business and risk management.Second,companies should build a risk management system that matches their own business based on their own circumstances.Then,in terms of organizational construction,departments with clear responsibilities are required,and departments that play a supervisory mechanism must have sufficient independence.In risk management,all members must be involved to jointly create a good risk management corporate culture.Finally,with the continuous upgrading of information technology,promoting the risk management of the company from passive prevention and control to active early warning is a major goal of risk management information system construction.How to use big data and intelligence to form a dynamic adjustment,real-time response,The world-class enterprise risk management system of managing and coordinating and applying intelligence will become a major problem for the company’s risk management in the future.