Research On The Building Of Cross-border E-commerce Credit Evaluation System

In recent years, the cross-border e-commerce develops rapidly in China, in which B2B, B2C export transactions take an extremely important role, accounting for about90percent. Because of the virtuality and openness in cross-border e-commerce, the asymmetric information problem is becoming more serious. As the main part in the transaction, the export enterprises are subject to more uncertainties. Then it will lead to different kinds of credit problems, restricting the development of the cross-border e-commerce credit evaluation system. And for these export enterprises, the cross-border e-commerce credit evaluation system is the main part in the credit system, it will be a breakthrough to make some research on it and the research is fundamental and important.For above reasons, firstly, we focuses on the literature about cross-border e-commerce credit, credit rating and e-commerce credit evaluation system to make a better understanding. Then we analyze the current situation of cross-border e-commerce credit evaluation system in China and make a definition on it. On the basis of the analysis, the core of this thesis is to establish the credit evaluation index system and the credit evaluation model. Therefore, we provide some theoretical bases by the analysis on rational behavior theory, transaction cost theory, game theory, risk management theory and the theory of signal. Furthermore, combined with the realistic bases, we setup the complete index system and build a credit evaluation model.This paper focuses on building of cross-border e-commerce credit evaluation index system and credit evaluation model. And the index system is made up of the operation of the cross-border business, the dynamic credit of the cross-border business, the financial information and the former credit conditions of the enterprises. On this basis, by the combination of qualitative and quantitative analysis the thesis describes the process of building cross-border e-commerce credit evaluation model in detail and gets the final model with the help of FCE and AHP. We can calculate the score on the credit of the export enterprises,to provide some bases for cross-border e-commerce transaction.