网络交易中个人信用评价研究
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摘要
本文首先介绍了网络交易和信用相关理论,对信用评价的含义、内容和方法进行了讨论,提出了网络交易中个人信用评价的特点。建立在前两章的基础上,将网络交易与个人信用有机的结合在一起,构造了一个新的网络交易中个人信用评价指标体系PCEIS(Personal Credit Evaluation Indexing System)。该指标体系包含静态评价指标和动态评价指标两个方面。然后,运用层次分析法确定了网络交易中个人信用评价指标体系各指标的权重。接着,运用模糊综合评价的方法对网络交易中个人信用进行评价,并给出评价结果的对策。最后,本文在我国个人信用评价管理现状分析的基础上,阐述了信用危机的表现和原因,对网络交易中个人信用评价管理系统进行了总体构建和详细设计,明确地说明了网络交易中个人信用评价管理工作的方法和程序。本文建立的网络交易中个人信用评价管理系统和信用评价指标体系具有普遍性,可以为一般的从事电子商务企业所借鉴。论文的研究成果对现代企业建立信用管理机制具有现实意义。
Along with the rapid development of e-commerce, internet trading is facing an increasing number of opportunities and challenges. Because of the openness and anonymity of online transactions, we had been brought great risk. Online personal credit problem has become China's e-commerce development bottleneck. Therefore the research on the online personal credit evaluation has important practical significance.
E-business, as a new productivity in the internet period, with its advantages such as low cost, across-region, individuation and so on, it is changing the mode and structure of traditional business activities by an unprecedented way and deeply influencing people's business conceptions and life styles. As a key link of e-business, internet trading is developed greatly in the world. When people buy things on the Internet, their main concentration are on safety and credit, and gradually changed from safety to credit, which reflect people's common thought who are used to giving money as buying things, they are becoming to pay more attention to credit. According to this new business, how to estimate personnel credit in internet trading, and then grade the results of the estimation? Through reading a great many of document materials, from the microcosmic aspect, the author used mathematic model and methods to establish an index system to evaluate personnel credit in internet trading.
The main contents of this study include the followings:
Chapter1. Introduction. Firstly, the paper discusses the issue of background and significance of the study. Secondly, it reviews the currently domestic and overseas situation of research. Finally, it makes major research, the research methods and overall philosophy.
Chapter2. The evaluation research on the theory and method of Personal Credit in internet trading. This chapter introduces related theories about internet trading and credit, including classification, definition, process and characteristics of internet trading. The connotation and characteristics of credit are introduced. The meaning, content and method of credit evaluation are expounded. The characteristics of personal credit evaluation in internet trading are put forward.
Chapter3. Construction of evaluation index system for personal credit in internet trading. This chapter introduces the necessity of personal credit evaluation in internet trading, analyses design principles of index system of evaluation and constructs of a new evaluation index system for personal credit in internet trading, including static evaluation indexes and dynamic evaluation indexes.
Chapter4. Determination of evaluation index’s weight value by AHP. This chapter introduces weight value determination method of personal credit evaluation and basic steps of AHP, determine of evaluation index’s weight value by AHP.
Chapter5. Evaluation Model of evaluation index system for personal credit in internet trading based on based on fuzzy synthesis evaluation. This chapter uses of fuzzy synthesis evaluation to appraise customer credit, and also provides some efficient methods to protect customer credit.
Chapter6. Construction of evaluation management system for evaluation of personal credit. And according to the aim and requirement of the system, the design of general scheme of the system is discussed. This article gives the detailed method and procedure of personal credit evaluation management in internet trading. It constructs evaluation system for network information security.
Chapter7. Conclusion and the prospects for future research. Making a study conclusion and giving the further study in the right direction.
The paper is a floorboard of a series of method and theory. By using the technical route as basic theory--construction and apply of evaluation index system model--the whole system designing--detailed designing; this article describes related basic theory, constructs evaluation index system model for personal credit in internet trading based on fuzzy comprehensive evaluation. The base thesis of credit evaluation is analyzed. And according to the aim and requirement of the system, the design of general scheme of the system is discussed, and the structure and function model are illustrated with diagrams and words, the evaluating model with fuzzy evaluating of the system is put forward, and detailed designing of each subsystem in the evaluation management system are expounded. This article gives the detailed method and procedure of personal credit evaluation management in internet trading.
Along with the rapid development of e-commerce, internet trading is facing an increasing number of opportunities and challenges. Because of the openness and anonymity of online transactions, we had been brought great risk. Online personal credit problem has become China's e-commerce development bottleneck. Therefore the research on the online personal credit evaluation has important practical significance.
E-business, as a new productivity in the internet period, with its advantages such as low cost, across-region, individuation and so on, it is changing the mode and structure of traditional business activities by an unprecedented way and deeply influencing people's business conceptions and life styles. As a key link of e-business, internet trading is developed greatly in the world. When people buy things on the Internet, their main concentration are on safety and credit, and gradually changed from safety to credit, which reflect people's common thought who are used to giving money as buying things, they are becoming to pay more attention to credit. According to this new business, how to estimate personnel credit in internet trading, and then grade the results of the estimation? Through reading a great many of document materials, from the microcosmic aspect, the author used mathematic model and methods to establish an index system to evaluate personnel credit in internet trading.
The main contents of this study include the followings:
Chapter1. Introduction. Firstly, the paper discusses the issue of background and significance of the study. Secondly, it reviews the currently domestic and overseas situation of research. Finally, it makes major research, the research methods and overall philosophy.
Chapter2. The evaluation research on the theory and method of Personal Credit in internet trading. This chapter introduces related theories about internet trading and credit, including classification, definition, process and characteristics of internet trading. The connotation and characteristics of credit are introduced. The meaning, content and method of credit evaluation are expounded. The characteristics of personal credit evaluation in internet trading are put forward.
Chapter3. Construction of evaluation index system for personal credit in internet trading. This chapter introduces the necessity of personal credit evaluation in internet trading, analyses design principles of index system of evaluation and constructs of a new evaluation index system for personal credit in internet trading, including static evaluation indexes and dynamic evaluation indexes.
Chapter4. Determination of evaluation index’s weight value by AHP. This chapter introduces weight value determination method of personal credit evaluation and basic steps of AHP, determine of evaluation index’s weight value by AHP.
Chapter5. Evaluation Model of evaluation index system for personal credit in internet trading based on based on fuzzy synthesis evaluation. This chapter uses of fuzzy synthesis evaluation to appraise customer credit, and also provides some efficient methods to protect customer credit.
Chapter6. Construction of evaluation management system for evaluation of personal credit. And according to the aim and requirement of the system, the design of general scheme of the system is discussed. This article gives the detailed method and procedure of personal credit evaluation management in internet trading. It constructs evaluation system for network information security.
Chapter7. Conclusion and the prospects for future research. Making a study conclusion and giving the further study in the right direction.
The paper is a floorboard of a series of method and theory. By using the technical route as basic theory--construction and apply of evaluation index system model--the whole system designing--detailed designing; this article describes related basic theory, constructs evaluation index system model for personal credit in internet trading based on fuzzy comprehensive evaluation. The base thesis of credit evaluation is analyzed. And according to the aim and requirement of the system, the design of general scheme of the system is discussed, and the structure and function model are illustrated with diagrams and words, the evaluating model with fuzzy evaluating of the system is put forward, and detailed designing of each subsystem in the evaluation management system are expounded. This article gives the detailed method and procedure of personal credit evaluation management in internet trading.
引文
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[2] 靖继鹏. 信息经济学.北京清华大学出版社. 2004 年 8 月第 1 版
[3] E. I. Altmam, F. Varetto. Corporate Distress Diagnosis: Comparisons Using Linear Discriminant Analysis and Neural Networks (the Italian Experience) [J]. Journal of Banking and finance, 20001 (18):505-529
[4] Altman, E. I ., Haldeman,R. G, Narayanan. PZeta Analysis: A New Model to Identify Bankruptcy Risk of Corporations[J].Journal and Finance, 2000:29-54
[5] Ohlson J. Financial. Rations and the Probabilistic Prediction of Bankruptcy [J] Journal of Accounting Research, 2000(2):109-130
[6] Viktor S. Grishchenko. Redefining Web-of-Trust: reputation, recommendations, responsibility and trust among peers [J].Ural State University, Institute of Physics and Applied Mathematics, 2001:159-166
[7] T.Dong Huynh, Nicholas R.Jennings, Nigel R. Shadbolt. FTRE: An Integrated Trust and Reputation Model for Open Multi-Agent Systems[J].School of Electronics and Computer Science, University of Southampton, UK, 2001.147- 151
[8] Lik Mui. Computational Models of Trust and Reputation: Agents, Evolutionary Games, and Social Networks[J].Electrical Engineering and Computer Science, 2002 (6):112-124
[9] 魏明侠.电子商务信用风险系统研究[J].预测,2005 (5): 49-52
[10] Standifird S. Reputation and ecommerce: eBay auction and the asymmetrical negative ratings[J]. Journal of Management, impact of positive and 2001, 27 (3):279-295
[11] Resnick P, Zeckhauser R, F riedman E, Kuwabara K. Reputation systems[C]. Communications of the ACM. 2002, 43 (12):45-48.
[12] Resnick P, Zeckhauser R. Trust among strangers in Internet transactions: empirical analysis of eBay's reputation system[C], Working paper for the NBER workshop on empirical studies of electronic, 2002:1-26
[13] 陈丹, 赵树宽, 巩顺龙.电子商务的信用管理体系构建研究[J].情报科学,第24 卷,第 1 期,2006 (1): 47-51
[14] 李琳, 毛刚, 基于模块化思想的农村信息系统建设.现代情报, 2007年5期. 2002 (4): 56-78
[15] Anthony M. Richard K. Commercial Bank Risk Management: Analysis of Process. TheWharton School, working paper, 2000.99-110.
[16] Sam Yuan Sung, Xu Xianhua, Ge Ling, etal. Virtual Card Payment Protocol and Risk Analysis Using Performance Scoring. Proceedings of the 15th International Parallel & Distributed Processing Symposium (IPDPS2001), San Francisco, CA, April, 2001.89-103
[17] Margaret Tan&Thompson S. H. Teo, Factors Internet Banking, Journal of the Association 2000 Influencing the Adoption of For Information Systems, July.
[18] Stefek Zaba, Stoke Gifford. E Commerce Payment Protocols: Requirements and Analysis. Proceedings of the Ninth IEEE Computer Security Foundations Workshop.78-80
[19] Andrea Schaechter. Issues in Electronic Banking An Overview, IMF Policy Discussion Paper, March 2002 pp.13-25
[20] Paul Resnick, Richard Zeckhauser. Empirical Analysis of eBay's Reputation System. The Economics of the Internet and E-Commerce. Working paper for NBER workshop, 2002.67-89
[21] Thomas, L. C. A Survey of Credit and Behavioral Scoring: Forecasting Financial Risk of Lending to Consumers, International Journal of Forecasting, 16, 2000.80-101
[22] Jose A Lopez, Marc R. Seidenberg, "Evaluating Credit Risk Models", Journal of Banking Finance, 24, 2000.34-89
[23] 郭基勤.浅谈电子商务下的信用问题[J].科技情报开发与经济,2006 (1):123-124
[24] 蒋丰伟, 徐端娥.中国电子商务中的信用危机[J].商场现代化,2006 (3):75
[25] 叶燕.电子商务中信任管理的实现[J].武汉科技学院学报,2003 (12) :90-94
[26] 宋光兴, 杨德礼.电子商务中的信任问题及信任建立途径[J].科技进步与对策,2004 (11):129-132
[27] 王娟, 武刚.电子商誉评估浅析[J].农业网络信息,2006 (4):66-68
[28] 石晓军, 陈殿左.信用治理:文化、流程与工具[M].北京:机械工业出版社,2003 (11)
[29] 庞素琳.信用评价与股市预测模型研究及应用:统计学、神经网络与支持向量机方法[M].北京:科学出版社,2005
[30] 诸小丽, 梁柱.企业信用等级综合评判评分体系[J].中国科技信息,2005 (12):83
[31] 杨文瀚, 刘思峰.基于灰关联度的企业信用风险评分方法及应用[J].商业研究,2005 (2):22-24
[32] 梁裸, 吴德胜等.基于ANFIS和Elman网络的信用评价研究[J].管理工程学报,2005 (1):69-73
[33] 吴德胜, 梁裸.遗传算法优化神经网络及信用评价研究[J].中国管理科学,2004 (2):68-74
[34] 赵子铱, 赵素云.信用评分模型在中小企业信用风险评估中的应用[T] .经济与管理, 2005 (11):70-72
[35] 石庆炎, 靳云汇.个人信用评分的主要模型与方法综述[J].统计研究,2003 (8):63-69
[36] 吴德胜, 杨力.不同模型在信用评价中的比较研究[J].管理工程学,2004(2): 73-76
[37] 李峰, 姚峰.解决电子商务信用瓶颈的方法[J].经济论坛, 2004(12):144-145
[38] 朱世展.面向电子商务系统的信用评价机制研究[J].科技创业,2005(8): 74-75
[39] 刘毅涛, 温立勇. B2B 电子商务信用体系的建设[J].中山大学研究生学刊,2005 (5):114-121
[40] 肖勇, 陈富扬.电子商务的信用体系与信用管理[J].科技管理研究,2006 (4):225-228
[41] 陈荣奎.公司财务管理[M].厦门:厦门大学出版社,2006
[42] 王莲芬, 许树柏.层次分析法引论[M].中国人民大学出版社,1999(6) :1-4
[43] 帅青红, 张宽海.电子商务支付原理分析[J].电子商务,2005.6(2): 23-45
[44] 郭冬乐, 赵萍,陈忠.中国商业理论 [J].社会科学文献出版社,2001.8(11): 99-102
[45] 朱宁. 中国个人信用制度的探讨[J].北方经贸,2001.12(3): 130-131
[46] 孙英隽. 发展个人消费信贷业务的思考[J].当代经济研究,2003.6(5): 77-123
[47] 顾伟. 关于构建我国个人信用体系的建议财经研究[J].2000.23(7): 25-120
[48] 杨磊等. 个人信用:通向消费信贷的观察与思考[J].2001.25(4): 54-78
[49] 陈永义. 启动市场需建立个人消费信用制度金融与市场[J].2002.34(5): 78-89
[50] 邵祖华.建立具有中国特色的个人信用制度的构想中国金融[J].2000.25(4): 99-101
[51] 谢季坚, 刘承平.模糊数学方法及其应用[M].湖北:华中科技大学出版社,2000.98-110
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