Research On Credit Synergy Operating Mechanism Of Cross-border E-commerce

In recent years,with the development of the Internet and big data technology,the number of Internet users around the world has increased day by day,which has brought about fundamental changes in consumer attitudes and trade modes.After more than ten years of rapid development,e-commerce has developed from domestic transactions to overseas transactions.Cross-border e-commerce has gradually matured as a new type of trade mode,and has become an important way for "Made in China" to go abroad.Cross-border imports also provide convenience for consumers to choose foreign products.With the establishment of the "One Belt,One Road"national strategy and the Pilot Free Trade Zone,the cross-border B2B and B2C transaction modes combined with the logistics storage methods including bonded zone,bonded warehouse,bonded port have greatly shortened the completion time of cross-border transaction and enhanced personalized products transaction.Cross-border transactions mainly rely on multi-party cooperative operation mechanism.In the process of operation,credit system is often missing or imperfect,which causes the two parties to increase the credit risk game cost in the process of cost and benefit realization.Therefore,in the process of cross-border e-commerce transactions,the study of the credit system and operating mechanism under the synergy mechanism is particularly important.Based on system theory,this study focuses on several issues of "the concept and function flow of cross-border e-commerce credit flow","theory framework of cross-border e-commerce credit synergy","cross-border e-commerce credit synergy index system construction","system dynamics model and simulation verification of cross-border e-commerce credit synergy operating mechanism".First of all,this study combs the relevant literature on cross-border e-commerce credit risk and evaluation system,and defines the concepts and functions of cross-border e-commerce credit flow and credit synergy.Based on system theory,synergy theory and three-dimensional credit theory,the research forms a theoretical framework for cross-border e-commerce credit synergy.Secondly,this study analyzes the factors of cross-border e-commerce credit synergy,uses the structural equation method to process the questionnaire data,and quantitatively analyzes the credit synergy factors that have an important impact on consumer credit perception,as first-level indexes of cross-border e-commerce credit synergy system.Combining the characteristics and functional flow of cross-border e-commerce credit flow,on the basis of the first-level indexes,this study qualitatively selects the second-level and the third-level indexes of the cross-border e-commerce credit synergy system,and form a complete index system at the theoretical level.Thirdly,using the system dynamics method,this study analyzes the causal feedback relationship between static cross-border e-commerce credit synergy indexes and forms an overall causal relationship feedback diagram of the credit synergy.Through expert questionnaires,the relatively important system indexes are selected,calculating the index weights.Using VENSIM software to simulate functions of credit flow,this study constructs a system dynamics simulation model of cross-border e-commerce credit synergy operating mechanism.Through model simulation,according to the actual statistical data,the parameter values are adjusted,the results of the model are analyzied,and the development trend of cross-border e-commerce transaction scale is predicted.Fourthly,according to the results of PEST macro-environment analysis in Beijing-Tianjin-Hebei region,based on the model of cross-border e-commerce credit synergy operating mechanism,this study analyzes the impact of major factors on the scale of cross-border e-commerce transactions in the Beijing-Tianjin-Hebei region,and provides theoretical references for scientific management and decision-making of government and development of cross-border e-commerce related industries.The characteristics of this paper are as follows:Firstly,the research framework is formed through three basic theories,and the first-level indexes of cross-border e-commerce credit synergy system are obtained by questionnaire survey and quantitative analysis.Secondly,static credit analysis is used to analyze the complete credit synergy system.Thirdly,the system dynamics method are applied to dynamically simulate the operation mechanism of credit synergy system,and verified through actual statistical data,then draws conclusions and predicts development;Fourthly,based on empirical research in Beijing-Tianjin-Hebei region,it provides countermeasures for decision-making.In general,this paper has both qualitative and quantitative research,including data collection of questionnaires and expert scoring,as well as the use of macro-statistical data.Based on the verification model,the model is used to predict and put forward some rationalization proposal.