网络支付场景下电子商务财务风险智能识别与防控路径研究

Research on Intelligent Identification and Prevention Pathways for Financial Risks in E-Commerce under Online Payment Scenarios

摘要: 随着网络支付在电子商务领域深入渗透，线上交易便捷性和财务风险复杂性同步增长，本文依据财务风险管理理论与智能决策理论，深入探讨网络支付场景下电子商务财务风险的智能识别与防控路径。研究表明引入大数据分析、人工智能算法、区块链技术等智能化手段，得以构建包含交易行为监测、风险特征识别、异常模式预警、协同响应处置的全流程智能风控体系，在此基础上本文设计了多维系统化防控路径，为提升电子商务财务安全水平、促进数字经济健康发展提供理论支撑和实践指引。

Abstract: With the deep penetration of online payment in the e-commerce domain, the convenience of online transactions and the complexity of financial risks have increased synchronously. Drawing on financial risk management theory and intelligent decision-making theory, this study delves into the intelligent identification and prevention pathways for financial risks in e-commerce under online payment scenarios. The research demonstrates that the integration of intelligent tools such as big data analytics, artificial intelligence algorithms, and blockchain technology enables the construction of a comprehensive intelligent risk control system encompassing transaction behavior monitoring, risk feature identification, anomalous pattern alerting, and coordinated response handling. Building on this foundation, the study designs multidimensional systematic prevention pathways, thereby providing theoretical support and practical guidance for enhancing the financial security of e-commerce and promoting the healthy development of the digital economy.