信息交流、市场规模与网上信用风险：一个双案例研究

发布时间：2018-05-01 18:35

本文选题：信息交流 + 市场规模　；参考：《河南工业大学》2017年硕士论文

【摘要】：厘清网上信用风险的影响因素对防控网上信用风险具有重要的意义。本文采用双案例研究的方法,选取了网上市场规模不同的天天果园和顺丰优选这两个研究样本,分别研究网上信息交流和网上市场规模对网上信用风险的影响机理。首先,应用网络爬虫软件LocoySpider抓取了天天果园信息交流的内容,并将其分为事件型和非事件型两类,每类信息包含正面信息、负面信息和中性信息这三个维度,再分别研究不同维度的信息交流程度对信用风险的影响;其次,研究不同市场规模对信用风险的影响,并对网上交易者信用和失信行为进行分析。通过研究得出如下结论:(1)信息交流程度负向影响信息不对称程度;信息不对称程度正向影响网上交易者失信行为;而负面信息在一定范围内,其交流内容对网上交易者失信行为无明显影响。(2)网上市场规模正向影响信息不对称程度,也正向影响网上交易者信用状况的传播范围;网上交易者信用状况的传播范围则对网上交易者失信行为有正向影响;(3)负面信息在一定范围内是合理的,即少量的负面信息对企业品牌和产品销量无明显影响,只有当负面信息超过一定界限时才会对企业产品构成显著影响。
[Abstract]:It is of great significance to clarify the influencing factors of online credit risk for prevention and control of online credit risk. This paper adopts the method of double case study to study the influence mechanism of online information exchange and online market size on online credit risk by selecting the two research samples of different scale of online market such as Dayan Orchard and Shunfeng. First of all, the content of daily orchard information exchange is captured by LocoySpider, which is divided into two types: event type and non-event type. Each kind of information contains three dimensions: positive information, negative information and neutral information. Secondly, it studies the influence of different market scale on credit risk, and analyzes the credit and discredit behavior of online traders. The conclusions are as follows: (1) the degree of information exchange negatively affects the degree of information asymmetry; the degree of information asymmetry positively affects the behavior of online traders' dishonesty; and the negative information is within a certain range. The content of exchange has no obvious influence on the discredit behavior of online traders. (2) the scale of online market positively affects the degree of information asymmetry, and also positively affects the spread range of credit status of online traders; The spread range of online traders' credit situation has a positive effect on online traders' discredit behavior.) negative information is reasonable within a certain range, that is, a small amount of negative information has no obvious impact on enterprise brand and product sales. Only when the negative information exceeds a certain limit will it have a significant impact on the products of the enterprise.
【学位授予单位】：河南工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TP393.0;F724.6

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