Research On B2C E-commerce Credit Risks And Guard

Open and virtual network causes credit issue and it is one factor which impedes e-commerce development. In these years, B2C e-commerce have displayed the huge potential with the internet develops fast. Whether in China or in the US, the online income compared with the underline is still deficient until now. The trust flaw is one of important elements that the consumer isn't interest in online purchases. The consumers are definite in the specific online seller's characteristic and the entire online environment trust, and if has became the B2C e-commerce development barrier. The realization of commercial information transmission and the commercial process have many new characteristics under e-commerce environment, and these characteristics have changed the traditional commerce operation rule and the pattern. Though it brought the technology advancement and efficiency promotion, it also brought some new problems, and we should deal with the important topic of the e-commerce customer credit risks. Our country credit system fall behind other countries and B2C e-commerce credit risks production mechanism and guard strategy have not been thoroughly researched. The credit risks and the guard question are foundational and advance in the B2C e-commerce fundamental research and practice application.This article bases on the e-commerce theory, the credit risks management theory and the risk early-warning theory, and makes a discussion above all these theories. According to the e-commerce credit risks guard system's analysis, it has completed e-commerce credit risks recognition analysis, appraisal analysis and guard system's analysis under the B2C pattern. Then in the electronic commerce credit risks guard system's design part, it has established the B2C e-commerce credit risks guard indicator system that selects indicators from the B2C e-commerce transaction's enterprises, individual participation, e-commerce's third party and the environment; then it establishes indicator system's risk assessment model that uses research technique of the BP neural network. Finally, it discusses the risk guard system's operation processes instruction and implementation method from the risk early-warning the analysis.