网络第三方支付风险评价与控制研究.doc

Study on risk control of network transactions based on customer perspectives Sun Mengting International School, Beijing University of Posts and Telecommunications, Beijing, China e-mail:sunmengting1220@126.com Abstract-In this research, risk management theory is introduced in the paper. Possible risks in network transactions during the payment activities are recognized and analyzed, and different risk evaluation index systems and risk evaluation models according to different risk corresponding are discussed. Then, some corresponding risk control and management measures are put forward. During the process of research and analysis, the corresponding control methods of various risks based on customer perspective are put forward. Keywords: network transactions; risk control; customer perspective INTRODUCTION Along with the development of information technology, electronic and networked era comes up. E-commerce brings tremendous change to our life and makes our life convenient. But it also brings us some new problems. As buyers and sellers dont meet each other in trading process, and they are lack of mutual understanding, so there could be some fraud behaviors during payment non-delivery or delivery. Hence, the network payment platform emerged, and it solved the security problem of online transactions, promoting the development of electronic commerce. But along with the continuous development of network pay industry, some money laundering events appeared which reflects certain risks. The network transactions have emerged in recent years, so it has not been extensively researched. This is what this study its meaning. CLASSIFICATIONS IN NETWORK TRANSACTIONS A. Safety problems Electronic pickpocket Some people are called electronic pickpocket, who imitate special steal others network address. This kind of theft has rapidly rising trends in recent years. As the Internet services provide banks and users shared resources, but also provide chances to steal banking. Some thiev