电子商务背景下企业信用评估的研究

发布时间：2018-01-15 00:18

本文关键词：电子商务背景下企业信用评估的研究　出处：《山东理工大学》2010年硕士论文　论文类型：学位论文

【摘要】： 电子商务给企业的发展带来了越来越多的机遇与挑战：尤其为中小企业提供了更为广阔的商机,使之能与大型企业进行公平竞争；而另一方面,网络中交易主体的复杂性以及信息不对称性又为企业带来了更大的信用风险。特别对于交易额较大的B2B电子商务,许多中小企业仍持观望的态度,实际上也是他们对电子商务信用环境怀疑的表现。信用问题已经成为阻碍电子商务发展的首要问题。目前,较少的B2B网站能够提供企业信用评估功能,理论界也少有这方面的研究。因此,电子商务环境下企业信用评估的研究,对于防止交易中的欺诈行为,帮助企业规避信用风险具有重要的现实意义。文章首先介绍了B2B的发展、交易流程以及目前所面临的信用问题,分析了在B2B交易中心进行企业信用评估的必要性和可行性。目前大部分B2B网站把交易双方完成交易后相互评价的评价值进行简单累加或平均,以此作为其信誉好坏的评判依据。而本文建立的企业信用评估模型是基于两个基本原则：一是网下认证与网上评估相结合。企业信用通常包括网下静态信用和网上动态信用。前者指的是对企业自身资质(如企业真实性、合法性等内容)的评价,后者指的是企业履行商业契约行为的表现。二是交易评价值的处理。对交易双方完成交易后相互评价的评价值结合交易者自身的信用度以及交易额度进行可信化处理。该模型的创新点体现在：(1)评估指标更为详细。(2)有效避免“互换好评”、“诋毁”以及信用度炒作等现象,使评估结果能够更为客观、科学地反映企业信用。
[Abstract]:E-commerce has brought more and more opportunities and challenges to the development of enterprises: especially for small and medium-sized enterprises to provide a broader business opportunity to enable them to compete fairly with large enterprises; On the other hand, the complexity of the transaction subject and the information asymmetry in the network bring greater credit risk to the enterprise, especially for the B2B e-commerce with large transaction volume. Many small and medium-sized enterprises still hold a wait-and-see attitude, in fact, they also have doubts about the credit environment of electronic commerce. Credit problem has become the primary problem that hinders the development of electronic commerce. Fewer B2B websites can provide the function of enterprise credit evaluation, and there are few researches in theory. Therefore, the research of enterprise credit evaluation under the environment of electronic commerce can prevent the fraud in the transaction. It is of great practical significance to help enterprises avoid credit risk. First of all, the paper introduces the development of B2B, the transaction process and the credit problems faced at present. This paper analyzes the necessity and feasibility of enterprise credit evaluation in B2B trading center. At present, most B2B websites add up or average the evaluation value of each other after the transaction is completed. The enterprise credit evaluation model established in this paper is based on two basic principles:. First, the combination of offline authentication and online evaluation. Corporate credit usually includes offline static credit and online dynamic credit. The former refers to the enterprise's own qualifications (. Such as the authenticity of the enterprise. Legitimacy, etc.). The latter refers to the performance of the enterprise's performance in fulfilling the commercial contract. Secondly, it deals with the evaluation value of the transaction. The evaluation value of the mutual evaluation after the transaction is completed by both sides of the transaction is trusted in combination with the credit degree of the trader itself and the amount of the transaction. Treatment. Innovations in the model are reflected in:. (. 1) Evaluation indicators are more detailed. 2) effectively avoid "interchange of favorable comments". "denigration" and credit speculation make the evaluation results more objective and scientifically reflect enterprise credit.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：F270;F713.36

【引证文献】