| In E-commerce market, to satisfy demand for the true status, credit level, and the ability and will to fulfill agreements on each side of transactions, credit information services is a series of process that professional agencies collect related credit information from diverse resources and process them, then provide completed information products to consumers in order to avoid information asymmetry and hazard in E-commerce transactions. With development recent years, E-commerce has got great achievement, but there still are many problems to resolve. Especially the prevention and control of credit hazard in E-commerce is relatively weak, for example, it is difficult to ensure credit status of counterpart, the responsibilities and rights of trading platform are not yet unambiguous, the grift in transactions is virtually impossible to avoid. So to establish credit data environment and credit information service system will be practical demand and core task in order to prevent credit hazard from transforming into credit crisis and to improve the efficiency and benefit of E-commerce market, and it also provide information science with new research field, namely by related theories of Information Science and Management, researchers will study credit information and related theories and operational mechanism of credit information service in the E-commerce environment. The object of this paper is to make experts in information science pay more attention to credit and credit information service in E-commerce market, to provide theoretical and technical support for collection and development of credit information product and to serve for credit information service system in the socialist market economy environment.There are urgent demand for the credit information service in the E-commerce market. The demand for the collection, process and use of credit information go with entire E-commerce transaction. The rationale, system framework and technique of credit information services is worthy of research by information scientists. This paper utilized Information Science thought and based on information management theory, emphatically resolved theoretical and practical questions of credit information service system construction in the E-commerce environment. This paper provided the theoretical basis, policy suggestion and solution in order to establish and perfect E-commerce credit information service system, and raise the E-commerce market development level. The concrete research content and the related conclusion summary are as follows.This paper systematically reviewed and summarized the related research literature about domestic and foreign E-commerce credit information service. emphatically carded, induced, analyzed and evaluated research results in credit information, credit question in E-commerce, credit information service intermediary, credit information service pattern and so on. I found from the present situation of domestic and foreign E-commerce credit information service research, the credit information service system research is a multi-disciplinary overlapping research area and related researches can provide the broad research space for the information science.Basic theory about E-commerce credit information service is weak field in the current research. Based on analysis on concept and essential feature credit, the credit information, the credit information service, this paper analyzed credit information service environment and the factors, analyzed logical relation between credit and credit information, started with dependence of credit to information, expand to the connotation and the characteristic of credit information. Discussed how the credit information disseminate between the credit facilitating agency, and analyzed credit information intrinsic value and increment mechanism, thus defined principle and the process theoretically of credit information has come into being, dissemination, the function has display, and increment. This paper thought that the essence of credit is the unification of subjective honesty and the objective abilities, it is not only a kind of psychological phenomenon, but also a kind of ability and activity. The credit has the very strong dependence to the information; the credit management is revolved by the information circulation to carry on. Therefore the credit information is information about records of the credit behavior, the response of credit status, characteristics of credit information is authenticity, integrity, sense of purpose. Credit information pasts between the different credit information hosts and visitors body by credit agency dissemination. By eliminating the information asymmetry, raising ways and so in credit efficiency, it realizes its own value and the increment. In electronic commerce transaction gambling process, if there is no full credit information for guarantee, both sides will have difficulties to form stably, thus affects the entire market's development. The electronic commerce market's credit relations may divide into direct, indirect and the third party three kinds, different credit relations proposed the concrete demand to the credit information. The credit information service is precisely to satisfy this information need to arise at the historic moment. The electronic commerce credit information need receives the culture, the system, the information, the market and so on many kinds of factor influences, the demand content is also various, it is necessary to conduct systematically the research and the construction to the credit information service system, to satisfy the electronic commerce market development well.The essence of electronic commerce credit information service institutional framework is the electronic commerce market between the different main body has the economic relationships, to carry on the credit information service transaction activity some particular model and the behavior rule. This article take our country and the overseas electronic commerce system construction's contrast as a background, has analyzed the credit information service institutional framework's concept and the characteristic, pointed out that the credit information service system receives economical factor and so on scale, economical credit degree, economic system influences and the restriction, is also various in the different economic development time credit system. Speaking of the electronic commerce environment, credit system's demand is especially urgent. The institutional framework research has foundational and sportingly the function regarding the credit market and credit economy's development. The complete credit information service institutional framework needs to include the credit law, the credit rule, the credit culture, the system implementing agency and so on many constituents. The good credit information service institutional framework may suppress the opportunism the production, reduce the electronic commerce the transaction risk, enhance the credit information service's efficiency, and effectively enlarge credit information service market size. The construction electronic commerce credit information service's institutional framework, should start from the property right, the law, the standard and the moral four aspects obtain, take the property right as the foundation, the law as the core, the standard as the method, the morals as the guarantee, take the credit information service institutional framework's construction as the electronic commerce credit information service profession construction's foundation work, lay the system foundation for the related work's development.In the electronic commerce market the credit information's origin has multiplicity and complexity; we must carry on these channels the system conformity to be able to form the complete credit information system. This article actuated two aspects from the government actuation and the market to elaborate the impetus credit information service market development fundamental mode, then contrastively analyzed government guidance and the market leadership in the credit information service profession development different time, the function which the different period displayed. Under our country existing condition, we should actuate by the government to start, gradually to market actuation transition. All in all, credit information service organization pattern includes service level, intermediate level and management level three parts, there are interaction relationships between three ones. The article from realizing the credit information service content system's angle, constructed the credit information service architecture, carried on the detailed introduction regarding the credit information service's in each constituent's function, elaborated the credit information service transaction flow, so constructed the credit information service content system. The electronic commerce credit information service's architecture includes the credit information collection service, the credit information processing service, the electronic commerce enterprise integrates serves three parts. On base of these, the ebXML registration server, the distributional intelligent work class system, the client side interface system, online credit parts and so on information service and management system management system have composed the electronic commerce credit information service content system together.The management system plays the role to correct errors in the electronic commerce credit information service system. Apply unified management to the electronic commerce credit information service's business strategy, the foundation resources, the information flowing and the resource flow may guarantee the entire electronic commerce credit information service system along the correct direction healthy development. The credit information service's management construction is mainly composed of the direct management and the indirect supervision. The Administrative department and the laws and regulations realize the direct management, the supervision of public opinion and the technology guaranteed that realizes the indirect supervision. The credit information service management system should be complete, the standard system system, should defer to"the government initiates, the department coordinated, the global administration, the socialized operation"the principle to establish and the movement, and the guarantee management system's each constituent direct coordination coordination, forms the joint effort. Through conducts the empirical study to the electronic commerce credit status, proved that may be more scientific take the analytic hierarchy process as the foundation credit status quantitative method, carry on the analysis appraisal accurately to the electronic commerce enterprise's credit level.This article from guarantee electronic commerce credit information service system healthy development's angle embarking, has discussed the safeguard electronic commerce credit information service system steady movement mechanism and the method. And Pointed out that must through realize between the electronic commerce credit information service system each constituent coordination, can realize the credit information resource conformity effect, the sharing effect, the market development effect. And adopts the measure impetus credit information resource full sharing, establishes the electronic commerce credit information sharing mechanism. Based on this is coordinated through the benefit, the benefit compensation, the benefit guidance's way the sharing credit information's organization carries on the drive to the electronic commerce market, uses carries on the full protection to the information right of privacy and the business secret to realize the active constraint. Finally follows according to the industrial chain structure, take the electronic commerce enterprise's credit administration needs as central, take the electronic commerce enterprise's credit information need as the reversion pull force, and take the credit information service organization as the leadership, establishes the electronic commerce credit information service the innovation frame, urges the electronic commerce credit information service system to weed through the old to bring forth the new unceasingly, enhances the electronic commerce credit information service truly the actual result, provides the service well for the electronic commerce market development.This article has the new breakthrough and the innovation in the following four aspects:(1) The intrinsic mechanism which from the credit information service hosts and visitors bulk phase interaction's angle of view, in-depth revelation credit question produces the root which and the credit risks forms. Had expounded the information asymmetrical is the basic reason which the credit question occurs, but the electronic commerce transaction's characteristic increased in the market the information asymmetrical degree, from this has formed the electronic commerce market credit risks. Between the electronic commerce credit information service's main body and the object is mainly gains the information and provides the service the bidirectional relations, is the credit information and the credit information service pasts between the hosts and visitors body.(2) In the review correlation theories's foundation, has promulgated the mechanism which and the credit information demand the electronic commerce credit forms. Proposed the electrical system commerce credit forms the official mechanism take the legal norm as the leadership, has compulsory, characteristics and so on authority, the unofficial mechanism take based on the intermediary form as the leadership, the form is more flexible. Electronic commerce will stem from the realistic question which and the future regarding the credit demand electronic commerce will face develops the need, also will receive factor and so on culture, system, market influences, needs from aspects and so on institutional framework, content and management system, raise credit consciousness obtains to satisfy.(3) According to the electronic commerce in the credit question is the information question this theory premise to a great extent, utilizes the information resource management the theory, has constructed the electronic commerce credit information service institutional framework, the content system and the management system. To three kind of system's constituents, the system function, the construction measure, the movement pattern and so on have carried on the thorough discussion, and the application analytic hierarchy process has conducted the credit status empirical study.(4) From the coordination, sharing, the drive and the restraint and the innovation and so on four aspects elaborated the electronic commerce credit information service safeguard mechanism systematically. Elaborated four kinds of machine-made contents, the mechanism and the frame systematically comprehensively, has constructed the more complete electronic commerce credit information safeguard mechanism.
|
PDF Full Text Request