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MBA毕业论文_国企业支付平台风险分析与防范措施研究-以A市地铁AFC自动售票系统为例PDF

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随着科技的发展,时代的进步,互联网已迅速渗透到人们日常生活的各个角 落,互联网革命所带来的翻天覆地的变化就是电子商务。随着电子商务在我国的 迅速发展,而电子商务依靠电子支付平台实现货币的交易,因此电子支付在我国 也随之得到广泛的应用。然而电子支付平台在高速发展下也面临着一定的风险, 尤其是让企业和消费者担心是支付安全方面的风险,由于支付平台的技术及支付 市场的不够完善,使支付过程中存在许多安全隐患,这一切成为了企业电子商务 快速发展的障碍。因此分析企业支付平台安全问题和面临的风险,并制定解决措 施,对企业电子商务发展有着重要的意义。本文以我国企业电子支付平台安全风 险分析与风险防范措施研究为主题,以A市地铁运营有限公司AFC支付系统安全 事件为例,分析企业电子支付平台所存在的安全隐患,并结合电子支付的发展现 状,对支付平台的支付安全问题提出建设性的建议与对策。 首先本文将结合我国电子支付发展现状,分析我国企业支付平台所存在的问 题。其次本文根据支付平台发展现状,列举出支付平台可能面临的风险,并分析 风险的来源。然后以A市地铁运营有限公司AFC支付系统安全事件为案例,通过 分析A是地铁运营有限公司对AFC支付系统管理上存在的漏洞,对发生的支付系 统系统安全事件以及后续采取的措施进行描述,并对案例进行总结和分析,并根 据案例给出企业支付平台防范措施的相关建议。本文研究认为,面对支付平台的 安全风险,企业应首先加强对支付平台系统本身的防范措施,其次在支付平台风 险管理方面,企业需要建立一个完善的电子支付平台风险管理体系,明确支付平 台风险管理目标,实行风险管理信息管理系统的建设,加强风险相关的数据监控, 同时企业也需要加强支付安全管理意识的培训和风险管理人才的培养。此外政府 方面需要加强网络环境的监管和网络相关法律的完善。 关键词:电子支付,支付平台,安全问题,风险防范措施 湖北工业大学硕士学位论文 II Abstract Withthedevelopmentofscienceandtechnologyandtheprogressoftheelectronic, theInternethasrapidlypenetratedintoeverycornerofpeople'sdailylife,ithasbecame aglobaldistributionchannelforgoods,services,evenmanagementworkandvariousof professionalskills.Thechangebroughtbytheinternetrevolutionwase-commerce. Withtherapiddevelopmentofe-commerceinChina,e-commercereliesonthe electronicpaymentplatformtorealizethecurrencytransaction,sothattheelectronic paymenthasalsobeenwidelyusedinChina.However,evenelectronicpaymentunder thehighspeeddevelopment,ithasfacedwithsomerisks,themostofbusinessmenand consumersworriedaboutisthepaymentsecurityrisk.Becausepaymentplatform technologyandpaytheimperfectionofthemarketisnotperfect,therearemany potentialsafetyhazardsintheprocessofthepayment,itisabarriertotherapid developmentofe-commerceofenterprises.Therefore,itisofgreatsignificanceforthe developmentofe-commerceforenterprisestoanalyzethesecurityproblemsandrisks facedbyenterprisepaymentplatformsandformulatesolutions.Thisessaywilltakethe Chineseenterpriseselectronicpaymentplatformsecurityriskanalysisandthe preventionmeasureresearchasthetheme,taketheAFCpaymentsystemsecurity incidentofAcityMetroasanexample.Itwillanalysistheelectronicpaymentplatform securityproblemsofChineseenterprisesandcombinedwiththedevelopmentstatusof electronicpayment,thisessaywillputforwardsomesuggestionsandstrategiestosolve thesecurityproblemsofelectronicpaymentplatform. Tobeginwith,thisessaywilldescribethedevelopmentstatusoffirst-party paymentplatformsinChineseenterprisesandanalyzestheproblemsexistinginthe developmentprocessofpaymentplatforms.Secondly,accordingtothedevelopment statusofthepaymentplatform,thisessaywilllisttherisksthatthepaymentplatforms mayhaveandanalysisthesourcesoftherisks.Thenthisessaywillaccordingtothe AFCpaymentsystemsafetyincidentofAcityMetro,throughthecasetomakea conclusionandanalysis.Atlast,accordingtothecase,thisessaywillgivesuggestions ofpreventivemeasurestotheenterprises.Accordingtotheinvestmentofthisessay, facingthesecurityrisksofthepaymentplatform,enterprisesshouldfirststrengthenthe preventivemeasuresofpaymentplatformsystem.Secondly,throughthemanagementof paymentplatform,enterprisesneedtoestablishaperfectelectronicpaymentplatform riskmanagementsystem,ensurethepaymentplatformriskmanagementobjectives, implementtheconstructionofriskmanagementinformationmanagementsystem,carry outtheconstructionofriskmanagementinformationmanagementsystemand strengthenthedatamonitoringrelatedtotherisks.Meanwhile,enterprisesalsoneedto strengthenthetrainingofpaymentsafetymanagementawarenessandriskmanagement talents.Whatismore,thegovernmentshouldstrengthenthesupervisionofnetwork environmentandtheperfectionofnetwork-relatedlaws. Keywords:E-payment,Paymentplatform,Securityrisks,Riskpreventivemeasures 湖北工业大学硕士学位论文 III 目录 摘要..................................................................................................................................................I Abstract...................................................................................................................................................II 第1章绪论.........................................................................................................................................1 1.1研究背景、目的与意义........................................................................................................1 1.1.1研究背景....................................................................................................................1 1.1.2研究目的....................................................................................................................1 1.1.3研究意义....................................................................................................................2 1.2文献研究综述.........................................................................................................................2 1.2.1国外研究综述............................................................................................................2 1.2.2国内研究综述............................................................................................................4 1.2.3研究述评....................................................................................................................7 1.3研究内容与方法....................................................................................................................7 1.3.1研究内容....................................................................................................................7 1.3.2研究方法....................................................................................................................8 1.4研究思路图.............................................................................................................................8 第2章基本概念与相关理论基础....................................................................................................10 2.1基本概念...............................................................................................................................10 2.1.1电子支付平台..........................................................................................................10 2.1.2电子支付平台风险..................................................................................................11 2.2相关理论基础......................................................................................................................12 2.2.1风险预警和评估理论..............................................................................................12 2.2.2风险控制理论..........................................................................................................14 2.2.3信息不对称理论......................................................................................................12 第3章我国电子支付平台发展现状及存在问题分析....................................................................15 3.1电子支付在我国的发展现状..............................................................................................15 3.2电子支付平台发展问题分析..............................................................................................17 3.2.1平台内部对风险管控重视度不够..........................................................................17 3.2.2平台管理人员业务不熟................