The Healthy Development Of Mobile Payment Focuses On Preventing Operational Risks.

< p > recently, Alipay announced that by the end of 2013, Alipay's real name users had reached nearly 300 million, becoming the largest mobile payment company in the world. At the same time, financial institutions are also moving on the construction of mobile financial infrastructure. At the end of 2013, the mobile financial security and trusted public service platform promoted by the people's Bank of China has been completed and passed the acceptance review. < /p >
Li Aijun, a professor at the school of civil economics and law, China University of Political Science and Law, told reporters that convenience is the biggest competitive advantage of mobile payment. In addition, the payment method is more flexible, which is not only efficient, but also low in cost, which is more in line with the consumption and payment habits of young people. P < /p >
< p > statistics show that over the past year Alipay mobile payment users have completed 2 billion 780 million payment businesses, amounting to more than 900 billion yuan. The mobile banking and financial IC cards launched by commercial banks have been promoted rapidly because of their convenience and richer functions. For example, financial IC cards with chips can not only achieve financial functions such as settlement and consumption, but also serve as auxiliary tools in social management. In the field of Internet finance, from the frequent test of mobile payment by third party payment companies, we can see that the combination of mobile payment and social networking and e-commerce can fully excavate the functions and advantages of the third party payment. During the Spring Festival, WeChat's "red envelope" became popular. It could be said that the Tencent promoted WeChat to pay a large training. Its financial communications also had a wide range of potential customers, while the balance treasure was a precipitating fund for online shopping and found a new financial channel. < /p >
< p > > a href= "http://www.91se91.com/news/index_c.asp" > mobile payment < /a > will undoubtedly have broad prospects, but the industry is also soberly aware that payment security and protection of financial consumers' rights and interests will be a necessary guarantee for the steady development of the industry. While using Alipay and WeChat to pay, many users have such questions. Third party payment generally requires binding bank cards. When payment or consumption occurs, mobile payment is no longer passed by the password of bank card or the dynamic password of Internet bank, but through the instructions issued by the third party payment password, the money is directly drawn. If the third party payment enterprises appear moral hazard, then the loss compensation has the problem of unclear power and responsibility. < /p >
< p > and according to some mobile security reports released by some Internet security centers, mobile Trojan horses and malicious software have been intercepted in recent years. Mobile phone viruses and privacy leakage have occurred. Many users are less aware of the risk prevention. The security problem of mobile payment has also aroused widespread concern in the public. < /p >
< p > "technological innovation and institutional arrangement are the necessary starting points for shaping a good mobile payment environment." Li Aijun thinks. The risk prevention of mobile payment in the future should focus on technology safety and moral hazard prevention. < /p >
< p > compared with the traditional < a href= "http://www.91se91.com/news/index_c.asp > > financial institution < /a >, a relatively perfect risk prevention and control system has been constructed. The control ability of operational risk will be the key to the smooth progress of the third party payment in the field of mobile payment. From the current popularity of Alipay and WeChat's red envelope, it can be imagined that if there is a security problem and the protection of financial consumers' rights and interests can not be protected, the negative effects will inevitably form a butterfly effect. < /p >
< p > we can see that operational risk prevention is one of the three major risks. It is not only the rules that formal financial institutions need to follow, but also applies to Internet financial enterprises. That is to say, there is no essential difference between Internet Finance and traditional finance in risk prevention and control level, which reflects the trend of gene convergence between the two parties from one aspect, and is also an inevitable trend of infrastructure development in financial industry. < /p >
< p > the tide has come rolling in. With the popularization of mobile phone < a href= "http://www.91se91.com/news/index_c.asp" > smart terminal /a and the progress of payment technology, mobile payment will take a leap. It is an indisputable fact. It complies with the trend of convergence and development of financial innovation and e-commerce in the mobile Internet era. It is also a financial innovation platform that incorporates many functions and may generate new business status. In fact, in this context, both financial institutions and Internet financial enterprises have made a lot of efforts to pay for the safety and protection of consumers' rights and interests, so as to make up for the short board in development. The completion of the mobile financial security and trustworthy public service platform will provide technical support for the establishment of a multi-level payment system. Alipay also insured users' funds quickly. < /p >
< p >, therefore, there is a view that mobile payment is a direction of Internet financial development, Internet financial innovation extends the traditional financial chain, and then through financial means to guard against its own risks and defects, forming a complementary integration format. In terms of operational risk prevention, Internet financial enterprises such as the third party payment can learn from the existing experience and technology of financial institutions to promote risk prevention and control measures such as safety certification and key management. < /p >
< p > in fact, some third party payment companies offering comprehensive payment solutions for different vertical industries have established close cooperation with banking institutions and have paid the gateway to the bank account port. While strengthening information technology security management, it is necessary to establish the necessary risk identification and evaluation system, establish a monitoring and early warning platform for operational risk, and put risk prevention and protection of consumers' rights and interests in the same important position as payment innovation. In this way, mobile payment can have a broad and safe development environment. < /p >