论第三方支付风险评估指标体系的构建

Index System Establishment of the Third Party Payment Assessment

随着电子商务的发展,第三方支付呈现迅猛增长的势头,但是中国信用体系尚不完善,第三方支付存在着巨大风险。文章分析了第三方支付所面临的风险,设计了风险评估指标体系,通过专家问卷调查结果对各个指标的权重进行了计算,并以支付宝为实例,应用模糊层次分析法,按照最大隶属度原则,提出了完善第三方支付风险评估指标体系的改进措施。

Along with the development of electronic industry, the third party payment＇s development pres- ents swift and violent growth tendency, but planted in China this credit system is still imperfect. This pa- per proposed the risk that the third party payment faces, and proposed the risk assessment index, carried on the computation of each target＇s weight on this foundation by the expert questionnaire, and taking all- pay as the example, applying the fuzzy analytic hierarchy process to put forward the improvement proposal for the third party payment risk assessment index system according to the biggest degree of membership principle and the score situation on these target aspects.