移动支付操作风险测度问题研究

Research on Measurement of Mobile Payment Operational Risk

在识别移动支付操作风险具体特征的基础上,通过比较和借鉴商业银行操作风险的各种度量模型,运用AHP法构建了评估我国移动支付操作风险的层次结构模型,并以互联网词条搜索量为主要原始数据,测算了我国移动支付的操作风险。结果表明,对移动支付操作风险影响最大的因素来自用户自身,其余依次是支付平台、监管当局和电信运营商。因此,不断强化用户自身正视风险的安全意识是管控移动支付操作风险最为重要的根本措施。

Based on identifying the specific characteristics of mobile payment operational risks, the paper builds a hierarchi- cal model to evaluate mobile payment operational risks by AHP method after comparing and learning the various models that measure commercial bank operational risks. Meanwhile, it also calculates mobile payment operational risks in China based on taking the Internet search volume as the main raw data. Result shows that the most important factor affecting the mobile payment operational risk comes from users themselves, and the rest are the payment platform, government regulators, and telecom operators. Therefore, the most important measure is to strengthen the security awareness of users for controlling mo- bile payment operational risks.