现代移动支付的财务风险研究——以支付宝为例

Research on financial risk of modern mobile payment:taking Alipay as an example

移动支付如今已遍布全球,支付宝更是移动支付中首屈一指的领军者,在行业内一骑绝尘,2017年数据显示支付宝占行业比重高达54%。但在看似一帆风顺的局面下,第三方公司依旧隐含财务风险。那么这些财务风险是如何出现的,又有什么方法可以帮助企业规避风险成了各个企业的心头患。为此,文章以支付宝为例,分别对财务风险表现,以及形成财务风险的因素进行发掘与研究,并在文末提出了降低风险的对策。

Mobile payment has spread all over the world, and Alipay is the leading leader in mobile payment. It has been riding the dust in the industry. In 2017, the data showed that Alipay accounted for 54% of the industry. But in a seemingly smooth situation, whether the company still implies the risks. Then how these risks arise, and what methods can help enterprises avoid risks has become the heart. This paper takes Alipay as an example to explore and study the performance of financial risk and the factors of forming financial risk respectively. And presents several countermeasures to reduce the risks.