网络团购中交易信用风险评价模型研究
发布时间：2018-08-02 20:08
【摘要】：随着互联网的快速发展,电子商务在国民经济中所占的比重也越来越大,电子商务已逐步成为我国经济增长的一个新的动力。网络团购作为一种新兴的电子商务消费方式,是指通过互联网渠道将有相同购买意向的消费者组织起来,向厂商进行大宗购买的行为。网络团购消费最大的特点是消费者预先支付款项,在这种消费模式下,信用至关重要,交易信用风险的评价就显得尤为必要。作为一种以信用为基础的消费模式,交易信用风险的评价成为了网络团购发展的首要问题,同时也在研究领域引起了广泛的关注。国内外交易信用风险评价模型大部分以历史交易信用及其相关因素为基础,而忽略了交易金额对交易信用风险的影响。本文首先选用交易金额构建了一个交易信用风险评价基础模型,随后依次引入时间维度、消费者好评率和交易成功率对该模型进行了扩展,使得信用风险的评价更加的全面和客观。由于本文构建的模型考虑的因素均易获得,同时对每种类型的团购网站均适用,具有一定的普适性。首先,本文通过对现有国内外交易信用风险评价模型的研究,发现大部分评价模型均考虑了交易的历史信用值及其相关因素而未考虑交易金额对信用风险评价的影响。这意味着所有之前的交易在交易信用风险评价中是同等对待的,这有可能导致恶意卖家投机行为的发生,这种投机行为表现为其在小额交易下守信而在大额交易下失信。针对这一问题,本文需要从新的角度出发来建新的交易信用风险评价模型。其次,本文以交易金额为基础构建了交易信用风险评价模型,同时详细阐述了交易金额对信用风险评价的作用机理。随后依次引入时间维度、消费者好评率和交易成功率对该模型进行了扩展,以此来增加模型的适用性。随后,本文通过算例分验证了该模型的有效性,同时得出历史交易金额较小的团购网站发起的大额交易是存在巨大信用风险的,其信用风险要比历史交易金额较大的团购网站发起的较小交易额的风险大;若消费者增加交易金额,则其增加的幅度越大,团购网站的交易信用风险越大,其越有可能在交易中违约,消费者发生损失的可能性也就越大;团购网站的顾客好评率和交易成功率越高,其交易信用风险越小。最后,本文根据前面算例分析得出的结论从团购网站和消费者两个角度来详细阐述了减少交易信用风险的措施,这为网络团购中交易双方降低交易信用风险提供了重要参考依据。
[Abstract]:With the rapid development of the Internet, the proportion of e-commerce in the national economy is increasing, and e-commerce has gradually become a new driving force for the economic growth of our country. As a new electronic commerce consumption mode, online group purchase refers to the behavior of organizing the consumers with the same purchase intention through the Internet channel and purchasing from the manufacturers in large quantities. The biggest characteristic of online group purchase consumption is that consumers pay in advance. In this consumption mode, credit is very important, and the evaluation of transaction credit risk is particularly necessary. As a kind of consumption mode based on credit, the evaluation of transaction credit risk has become the most important issue in the development of online group purchase, and has also aroused widespread concern in the field of research. Most of the domestic and foreign trade credit risk evaluation models are based on historical transaction credit and its related factors, but ignore the impact of transaction amount on transaction credit risk. In this paper, a transaction credit risk evaluation model is constructed by selecting the transaction amount, and then the time dimension is introduced, and the credit rating rate and the trading success rate are introduced to expand the model. Make the evaluation of credit risk more comprehensive and objective. Because the factors of the model are easy to obtain and suitable for each type of group-buying website, the model has a certain universality. Firstly, through the research of the existing domestic and foreign trade credit risk evaluation models, it is found that most of the evaluation models consider the historical credit value of the transaction and its related factors without considering the impact of the transaction amount on the credit risk evaluation. This means that all previous transactions are treated equally in trading credit risk assessment, which may lead to malicious sellers' speculation, which is shown by their keeping their word in small transactions and dishonesty in large transactions. In order to solve this problem, we need to build a new credit risk evaluation model from a new point of view. Secondly, based on the transaction amount, this paper constructs the trade credit risk evaluation model, and expounds the mechanism of the transaction amount acting on the credit risk evaluation in detail. Then the time dimension, consumer praise rate and transaction success rate are introduced to expand the model to increase the applicability of the model. Then, this paper verifies the validity of the model through an example, and draws the conclusion that there is a huge credit risk in the large-value transaction initiated by the group purchase website with small transaction amount. Its credit risk is greater than that of a small transaction initiated by a group purchase website with a larger transaction amount; if consumers increase the transaction amount, the greater the increase, the greater the transaction credit risk of the group purchase website. The more likely it is to default in the transaction, the more likely the consumer will lose; the higher the rate of praise and the success rate of transaction, the less the credit risk of the transaction. Finally, according to the analysis of the previous examples, the paper elaborates the measures to reduce the transaction credit risk from the perspective of group buying website and consumers. This provides an important reference for both parties to reduce the transaction credit risk.
【学位授予单位】：重庆师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6
本文编号：2160584
[Abstract]:With the rapid development of the Internet, the proportion of e-commerce in the national economy is increasing, and e-commerce has gradually become a new driving force for the economic growth of our country. As a new electronic commerce consumption mode, online group purchase refers to the behavior of organizing the consumers with the same purchase intention through the Internet channel and purchasing from the manufacturers in large quantities. The biggest characteristic of online group purchase consumption is that consumers pay in advance. In this consumption mode, credit is very important, and the evaluation of transaction credit risk is particularly necessary. As a kind of consumption mode based on credit, the evaluation of transaction credit risk has become the most important issue in the development of online group purchase, and has also aroused widespread concern in the field of research. Most of the domestic and foreign trade credit risk evaluation models are based on historical transaction credit and its related factors, but ignore the impact of transaction amount on transaction credit risk. In this paper, a transaction credit risk evaluation model is constructed by selecting the transaction amount, and then the time dimension is introduced, and the credit rating rate and the trading success rate are introduced to expand the model. Make the evaluation of credit risk more comprehensive and objective. Because the factors of the model are easy to obtain and suitable for each type of group-buying website, the model has a certain universality. Firstly, through the research of the existing domestic and foreign trade credit risk evaluation models, it is found that most of the evaluation models consider the historical credit value of the transaction and its related factors without considering the impact of the transaction amount on the credit risk evaluation. This means that all previous transactions are treated equally in trading credit risk assessment, which may lead to malicious sellers' speculation, which is shown by their keeping their word in small transactions and dishonesty in large transactions. In order to solve this problem, we need to build a new credit risk evaluation model from a new point of view. Secondly, based on the transaction amount, this paper constructs the trade credit risk evaluation model, and expounds the mechanism of the transaction amount acting on the credit risk evaluation in detail. Then the time dimension, consumer praise rate and transaction success rate are introduced to expand the model to increase the applicability of the model. Then, this paper verifies the validity of the model through an example, and draws the conclusion that there is a huge credit risk in the large-value transaction initiated by the group purchase website with small transaction amount. Its credit risk is greater than that of a small transaction initiated by a group purchase website with a larger transaction amount; if consumers increase the transaction amount, the greater the increase, the greater the transaction credit risk of the group purchase website. The more likely it is to default in the transaction, the more likely the consumer will lose; the higher the rate of praise and the success rate of transaction, the less the credit risk of the transaction. Finally, according to the analysis of the previous examples, the paper elaborates the measures to reduce the transaction credit risk from the perspective of group buying website and consumers. This provides an important reference for both parties to reduce the transaction credit risk.
【学位授予单位】：重庆师范大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F724.6
【参考文献】
相关期刊论文 前1条
1 王晓微;;浅析垂直细分电子商务平台的运行模式——以聚美优品为例[J];中国商贸;2011年22期
，本文编号：2160584
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