电子商务环境下的企业信用评估

论文编号:DZ338  论文字数:24522.页数:38

摘  要
 电子商务本身的运行模式与传统的企业管理模式和人们固有的消费与购物
方式有较大的差异。由于国际互联网本身的开放性和虚拟性，使网上交易面临种种风险。目前，我国仍处在经济转型期，市场还很不成熟，社会信用体系很不健全。市场上假冒伪劣产品屡禁不止，坑蒙拐骗时有发生，互相拖欠相当普遍，交易行为缺少必要的自律和严厉的社会监督。在这种情况下，开展电子商务有相当的风险。“信用贫困”已经成为制约我国电子商务发展，并进而阻碍我国全面融入信息社会的历史进程、影响我国企业国际竞争能力的重大问题。此背景下，如何建立信用评估体系变得重要了起来。本文正是从这一目的出发，希望通过论文的写作，涉入到有实际意义的讨论中去。
 首先本文在界定信用评估的内涵以后，对电子商务信用评估的作用和国内外电子商务企业信用评估的现状作了综合的、系统的分析，指出当前我国信用评估存在的问题，提出了当前信用评估中的一些建设性意见。随后本文对企业信用评估的评估指标体系、基本条件、信用模式和评估机制作了系统的综合分析，具体说明电子商务企业信用评估的程序，基本方法。
 
 关键词： 信用评估，评估程序，信用模式，基本方法

ABSTRACT
 The credit crisis has already become a commercial risks paid close attention to extremely. In the bank credit, often because the bad loan is unable to regain and form a large sum of bad debt of the bank. In the commercial exchanges, enterprises are often in arrears with the funds on account by the goods side too, Make originally force relatively strong, manage instead because credit bad enterprises involve and the financial crisis has taken place apt enterprise, Withdraw from the competitive market ahead of time. Freedom of trade exchanges today, the connection is close day by day and the relation is intricate between the commercial subject, As soon as the risk can not get limited control, extremely easy to cause chain reaction, Bring out the financial crisis of the large area. Under this background, how set up credit present with respect virtuous to assess system become important to stand up. This text exactly proceeds from this purpose , hope to involve in entering to the discussion of the thing sometimes through the writing of the thesis.
 This text can divide into two parts . The first part It is theory that narrate and partly, tell habitual odd pieces of credit appraise the principle, The rations of index choose method, and how about compose right and calculate and get scores synthetically. The second part It is the financial data which select for use the listed company, proceed from the reality and use the theory of the first part, Realize index determine the nature choice, quantitive choose carefully, standardized datas, compose right, comprehensive to drink this flow while being concrete, A instance that finish enterprise credit and analyses. At last, spoke of setting up the necessity and urgency final result as the full text of the standing system in our country.
Key words: The capital credence appraised, appraisal model, level analytic method, mixed type expert system

目  录
前言……………………………………………………………………………… 1
摘要……………………………………………………………………………… 2
ABSTRACT………………………………………………………………………… 3
第1章  电子商务企业信用评估概述……………………………………… 4
 1.1  信用评估的概念……………………………………………………… 4
 1.2  信用评估的目的……………………………………………………… 4
 1.3  信用评估对电子商务企业发展的作用……………………………… 4
第2章  国内外电子商务信用体系现状的分析……………………………… 7
 2.1  美国信用体系的总体构架分析……………………………………… 7
 2.2  中国电子商务企业信用现状………………………………………… 10
第3章  电子商务企业信用评估体系……………………………………… 12
 3.1  电子商务界较为典型的信用模式…………………………………… 12
 3.2  电子商务的规范与发展需要信用体系……………………………… 13
 3.3  电子商务信用体系建立的基本条件………………………………… 14
第4章  电子商务企业信用评估建模举例…………………………………… 18
   4.1  基于层次分析模糊综合评判法的网上银行信用评估……………… 18
   4.2  基于混合型专家系统的信用评估系统模型设计与实现…………… 21
第5章  电子商务信用评估程序设计………………………………………… 27
 5.1  电子商务企业信用体系的建立……………………………………… 27
 5.2  构建电子商务信用机制……………………………………………… 28
 5.3  信用评估基本方法 ………………………………………………………… 30
 5.4  电子商务企业信用评估具体程序…………………………………… 31
致谢词…………………………………………………………………………… 35
参考文献………………………………………………………………………… 36