Establishment of Risk Evaluation Index System for Third Party Payment in Internet Finance
Internet and financial business integration, gave birth to the internet finance, improve the efficiency of the allocation of financial resources, third party payment has the advantage in solving the financial flow of internet finance, but there are also great risks. Risk assessment is an effective means to resolve risks. The establishment of index system is the basic work of evaluation. Based on the third party payment process, this paper constructs the evaluation index system structure model by using qualitative analysis method, uses the quantitative analysis method to determine the weight of the index system, and presents a complete evaluation index system consisting of the index name and weight. The research results of this article enriched the internet financial evaluation theory and also provided a reference for improving the internet financial regulatory system. Introduction Internet finance is a new type of financial business model of traditional financial institutions and internet companies that use the internet and information and communication technologies to realize financial intermediation, payment, investment and information intermediary services. Internet finance Based on the internet, the financial business has the characteristics of "transparency, high participation, good cooperation, low intermediate cost and convenient operation" Promoting the healthy development of internet finance is conducive to improving the quality and efficiency of financial services, deepening financial reform, promoting financial innovation and development, expanding the opening up of the financial industry, building a multi level financial system and promoting economic development. Third party payment is an independent organization with certain strength and reputation guarantee. It adopts the way of signing contracts with banks and uses the network transaction support platform to provide the network payment mode that interfaces with the bank's payment and settlement system [1,2] The third party payment, as the main network transaction means and credit intermediary at present, establishes the connection with the merchant and the bank through the network and has the function of third party supervision and technical support. Third party payments have an advantage in resolving the financial flows of internet finance. However, due to the imperfect laws and regulations and many complicated factors in the network environment, third party payment is accompanied by many risks, how to analyze and evaluate the risks and then take control measures to minimize the risks, which are urgent problems in the development of internet finance problem. According to the idea of risk management, firstly, construct the risk evaluation index system; then, evaluate the risk; finally, put forward the risk control measures in order to ensure the effectiveness of risk control and ensure the healthy development of the third party payment under internet finance. The content of this paper is the basic work of risk management, which provides a support for the third party payment risk assessment of internet finance. Process on Third Party Payment The third party payment the general mode of operation: the buyer after the purchase of goods, the use of third party platform to provide payment for the purchase of goods, third party receipt of the 5th International Education, Economics, Social Science, Arts, Sports and Management Engineering Conference (IEESASM 2017) Copyright (c) 2018, the Authors. Published by Atlantis Press. This is an open access article under the CC BY NC license (http:/creativecommons.org/licenses/by nc/4.0/ Advances in Social Science, Education and Humanities Research, volume 179