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1、China’sonlineshoppingcreditriskanalysisPaperstowriteNet:Abstract:Theemergenceofonlinebankinghaschangedpeople’straditional‘Cementbank’impression,onlineshoppingisintegratedintopeople’slives,thetraditionalwayofshoppinghasundergonetremendouschangeinthearticleanalyzesChinadeve
2、lopmentofonlineshoppingandcreditriskrelatedtoperformancestatus,onlineshoppingcreditriskreductionrequiresastrongcredittraderssensetorelyonasoundlegalregulations,butalsoneedtohavecreditmanagementprofessionals,andfinallyformacompleteevaluationofthesocialcreditsystem,multi-ne
3、tworkworktogethertocreateahealthyshoppingenvironment.Keywords:onlinebanking,onlineshopping,creditriskBrowsetheWebtobuygoods,paybillsusingonlinebanking,handdelivery,thepricecheaperthanthemall...Thisyear,onlineshoppingmoreconvenient,consumerattitudetowardsonlineshoppingwasf
4、romthesuspect,15try,andgraduallybecomeaccepted,habits,onlineshoppinghasbecomethewaypeopleshop.‘netsilverheartmovinglifeeasier.’locationonlineshoppingwithouttimeconstraints,transactioncostslow,fastandconvenient,hasrapidlyintegratedintopeople’slivesandbroughtsignificantchan
5、ges.First,thedevelopmentstatusofChina’sonlineshoppingChina’sonlineshoppingmarketin2010continuedtheuserdouble-sizeandtransactionsizegrowth.IResearchstatisticsshowthatin2010China’sonlineshoppingmarketsizeofnearly500billiontransactions,upto498billionyuan,up89.4%over2009,Chin
6、a’sonlineshoppingmarkettransactionsaccountedfortheproportionoftotalretailsalesofsocialconsumergoodsin2009from2.1%to3.2%in2010,thisproportionisexpectedin2012willexceed5%,whiletheendof2010,onlineshoppingreached148millionsubscribers,anincreaseofover39millionin2009,thepenetra
7、tionrateinInternetusersin30.8%,ofwhichthesizeofonlineshoppingusersgrew48.6%toreach161million.15However,theonlineshoppingmarket,rapiddevelopment,alsowillbeexposedtoarangeofissues,includingInternettransactionsarenothonest,phishingandotherphenomenaoccurfrequently.Ascomparedw
8、ithtraditionalshopping,onlineshoppingisconvenientshortcut,butawiderangeofcyberspaceandvirtual,so
