Credit Evaluation System For B2C E-Commerce Enterprises

In recent years,with the rapid development of Internet,cloud computing,big data and Internet of things,e-commerce grows explosively in China.However,people can't effectively identify authenticity and legality of online transaction,which leads to many kinds of risk issues such as fake products,false transaction,contract fraud and false promotions.Therefore,credit has attracted attention of academia.This dissertation focuses on the basic problem of e-commerce enterprises' credit evaluation system.According to grounded theory,other normative research methods of literature review and theoretical analysis,expert interview,case study,the methods of large sample statistical analysis and fuzzy mathematics,this dissertation develops a credit evaluation system for B2C e-commerce enterprises from the research perspective of electronic commerce chain.This dissertation deeply explores the following four logically related research questions step by step:first,what factors influence B2C e-commerce enterprises' credit;second,what indicators compose B2C e-commerce enterprise credit evaluation system;third,what is the perfect mechanism of B2C e-commerce enterprises' credit evaluation system;fourth,how to apply the B2C e-commerce enterprise credit evaluation system.And three main theoretical implications are as following:first,analyzing the transformation mechanism of between trust and credit in e-commerce environment.This dissertation defines trust and credit thoroughly from the perspective of information economics,which puts forward trust is the foundation of credit.A consumer makes a trusted choice through information trigger mechanism.E-commerce enterprises promote credit through accumulation of consumers' trust;second,refining and improving the research method of credit system.There are loopholes in rationality and effectiveness of indicators extraction,the phenomenon of"bringing them to use directly" is very common,and the nonstandard research method can directly affect if the research result is scientific.This dissertation uses expert interview and case analysis to summarize and focus the evaluation indexes,which is truly realizing that is mainly qualitative combined with some quantitative methods;third,putting forward the perfect mechanism of B2C e-commerce enterprises' credit evaluation system.This dissertation combines the expert interview and field investigation,introduces incentive mechanism,filtering mechanism and optimization mechanism in order to improve B2C e-commerce enterprises' credit evaluation system.At the same time,the theories of the organizational routines and organizational fit are introduced to provide theoretical basis for the dynamic optimization of the credit system developed in this dissertation.