Research On The Risk Evaluation Of Third-party Payment Companies

The payment problem was an important bottleneck that plagued the development of e-commerce.In recent years,with the constant popularization and development of third-party payment,the cost and credit problems of both parties to the transaction have been resolved.However,due to the late start of China's third-party payment,rapid development,immature conditions,and gaps in policies and regulations,the industry has created many risk-related problems and many areas need improvement.Based on the theory of risk and risk evaluation,this article starts from the perspective of third-party payment companies,and studies the connotation,characteristics,this paper uses the analytic hierarchy process and fuzzy comprehensive evaluation method to build a risk evaluation system for third-party payment companies and concludes that third-party payment companies Face higher risks.In order to test the validity of the above conclusions,for this purpose,this paper uses qualitative and quantitative analysis by investigating the literature and combining the actual situation of third-party payment and its risk assessment and control,by analyzing various risks that may occur during the operation of third-party payment Combined research methods to classify and summarize many existing risk factors,and on this basis,introduce a fuzzy comprehensive evaluation method based on the analytic hierarchy process to conduct an empirical analysis and evaluation of the overall risk of third-party payment,and establish a complete An effective risk assessment system,and then put forward the current focus of strengthening its risk control,so as to improve third-party payments and develop Internet finance.Finally,this article analyzes in detail how China's third-party payment companies should take effective measures to prevent and control risks.Proposed risk control of third-party payment companies from two aspects of external control and internal control,and made a feasibility analysis.It will then contribute to the continued development of the entire third-party payment industry.