c2c电子商务交易的信用及风险评估方法分析

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1、AbstractNowadaysC2CE-commercehasbigmarketpotential.Butintherealuse,creditriskbecomemoreandmorecrucial,especiallytheon-linetrust,whichhindertheprogressoftheC2CE-commerce.Otherwise,becausetheE-commerceisvirtue,bothofthesellerandbuyerfinishtheirdealintheconditionthattheydonotseeeachother

2、.Thisincreasestheriskofthedeal.SohowtodealwiththeproblemwhichbothersC2CE-commerceandhowtoresearchstrategieswhichareusedforC2CE-commercebecomeveryimportantandhavebigresearchvalueandeconomymeaning.Nowcreditevaluationsystemswhicharecommonlyusedfallshortofcredithypingandperiodicalcheating

3、.Thispapergivesanewmethodofcreditcounting,whichusessectiondistributionofcommoditypricetoratesuccesstradesandusesdeductingcoefficientstoratefailedtrades.Itdesignsariskcomputingmethodbasedontheimprovedcreditcountingthroughanalyzingcreditrisk・Thecomputationmethodcanevaluatetheriskofcurre

4、nttradeaccordingtohistorytrades-Simulatingexperimentsindicatetheimprovedcreditcountingispreferableonanticredithypingandantiperiodicalcheating,andtheriskevaluationmethodisrelativelyaccurateandeffectivewhenitisusedtoanalyzeandforecastriskinC2Cmodele-commerce.Thispapergivesrelevantcounte

5、rmeasuretocopcwithunfairratingsinc-commcrcctrades.Itreducestheprobabilitythatconspiratorschoosespecificvictimbyadoptinganonymityschemewhichconcealsidentitiesofmarketparticipantsbeforetheystartadeal,soitconstrainsBadmouthing.Itincreasesseller'scosttusedforcredithypingthroughBallotstuff

6、ingbyadoptingchargingeverydeal,soitconstrainsBallotstuffing・ItdesignsasimplesystemtosimulateC2CmodelE-Commerce.Inthissystem,userscanchooserightsellerstodobusinessesaccordingtothosetrustvaluesandtrustranks.Thesystemgivestheriskvalueofthecurrentdealasareferencebeforeeverytrade.KeyWords：

7、E-Commerce?CreditEvaluation,RiskEvaluation,Trust摘要IAbstractII1绪论1.1研究背景(1)1.2国内外研究概况(4)1.3课题主要研究内容(9)1.4论文组织(10)2电子商务的信用风险2.1概述(11)2.2基本概念(12)2.3传统理论与原则(13)2.4本章小结(16)3C2C网上交易的信用计分及风险计算方法3.1问题的提出(17)3.2信用计分规则(18)3.3信用计分流程图(19)3.4风险计算公式(20)3.5风险计算流程图(22)3.6C2C网上交易的信用风险评估(23)3.7实验分析(25)

8、3.8本章