Research On Risk Prevention Of Mobile Payment Business Of Agriculture Bank Of China

Mobile payment business is booming in the context of mobile Internet technology.For the Agricultural Bank of China,the emergence of mobile payment business has promoted the further innovation of the Agricultural Bank of China's payment and settlement business,which can meet the various aspects of payment and settlement of different settlement groups.With the development of network technology and the advent of the era of mobile intelligence,banks are facing various challenges in developing mobile payment services.The immature market environment has brought obvious or potential risks to the development of mobile payment services.Against this background,it is meaningful to choose this subject for research.Based on the above background,this article takes the Agricultural Bank of China mobile payment business as the research object,and uses the literature analysis method and case analysis method to study the risk prevention of China's agricultural mobile payment business.After introducing the basic situation of Agricultural Bank of China,this article,with the support of existing theoretical literature on mobile payment business risk management and related theories,through the interpretation of the internal management regulations of Agricultural Bank of China and mobile payment business,its mobile payment business risks Analyze the current situation.The analysis found that the defects and shortcomings exposed by the Agricultural Bank of China in the prevention of mobile payment business risks at this stage mainly include: The Agricultural Bank of China's identification and assessment of mobile payment business risks is not comprehensive enough,system technical protection needs to be further improved,and external network security is urgent Need to improve and the customer's awareness of the risk prevention of mobile payment business and insufficient level of network risk handling.At the same time,the relevant agreement does not clearly define the risk responsibility in the mobile payment business.The precautionary measures for the reputation risk of the mobile payment business are not perfect.The main reason for this situation is that the risk prevention system and process of Agricultural Bank of China need to be improved.Specifically,the risk management of the mobile payment business needs to be improved,the standards and norms are not unified,and the internal staff's risk compliance awareness needs to be strengthened.At the same time,the network security construction of the Agricultural Bank of China needs to be further improved.The customer's recognition of various risks is low.The knowledge of risk prevention is lacking and the risk prevention of multiple links in mobile payment is not in place.China's mobile payment business risk supervision system is relatively lagging behind the reputation risk emergency response mechanism Imperfect etc.According to the current flaws and deficiencies of the Agricultural Bank of China's mobile payment business risk prevention,this paper proposes a targeted optimization strategy based on the current situation of the Agricultural Bank of China's risk management: First,the Agricultural Bank of China should optimize the internal risk prevention concepts and processes of mobile payment and strengthen Security construction of e-banking system,strengthen risk monitoring and early warning mechanism and supervision,and improve the overall risk management awareness of mobile payment business;Secondly,Agricultural Bank of China should improve the security of bank transaction system,establish and improve information sharing mechanism,strengthen cooperation with cooperative departments to reduce more Link risks;again,enhance the user's risk awareness,strengthen the training of customers' risk prevention skills,improve the risk early warning system;finally,reduce the risk of various types of transaction processes in the market,prevent laws and regulations and regulatory risks,and optimize the reputation risk early warning mechanism Strengthen the connection with the media.Through the implementation of the above measures,the risk prevention level of the Agricultural Bank of China mobile payment business has been gradually improved.