Research On Credit And Trust Mechanism In Electronic Business Environment

With the development of the Internet,electronic commerce has become the main way of commodity exchange.Because of electronic commerce is not the face to face exchange,credit and trust mechanism has become the key factor to the development of electronic commerce.At the same time,now the economy is credit economy,but due to the scarcity of credit consciousness,credit system and credit technology,the credit system of our country appeared serious problem,all of the individual,the enterprise and the government are lack of credit awareness and spirit.So under the environment of Internet and the credit,we are facing two problems: how to improve the credit environment of the electronic commerce and make network transaction smoothly develop;how to utilize the Internet to improve the credit environment of the whole society.These two problems are closely linked,interdependence and mutual influence,the first one is to improve the electronic commerce credit environment with the entire social credit system;the second one is to improve the social credit environment with the electronic commerce credit system.Based on these two problems,this thesis collects and sorts the related research documents.Then,the related theories,methods and rules are analyzed.This paper starts from the history of the development of trust and credit,and analyzes the concept of credit,trust,electronic commerce credit and trust.Using the theory of game theory,information asymmetry,transaction cost and so on,the credit of electronic commerce is analyzed theoretically.Based on this,the thesis studies the problems from two perspectives: centralized credit model and decentralized credit model.For traditional centralized credit model,this thesis studies the credit and trust mechanism of e-commerce from two perspectives: 1)It does not need to know the credit rate of e-commerce transaction agent.When we can not to know the credit rate,we can design a mechanism to complete the transaction without risk.2)It need to know the credit rate of e-commerce transaction agent.When we are able to know the credit rate,we should build the e-commerce reputation evaluation system to solve the credit problem of online commodity trading.And then we build the e-business credit evaluation system to solve the online credit transaction problem.At the same time,we also study the problem of trust mark,it is a way to simplify the credit evaluation,can solve the problem of e-business credit with lower cost.For decentralized credit model,this thesis proposes the concept and theory of distributed autonomous credit based on block chain technology.It studies how tobuild a discentralized credit system to promote the improvement of the e-commerce credit.Based on the analysis of the block chain credit and e-commerce market model,the e-commerce P2 P model and P2 P credit model based on block chain credit are proposed.This thesis studies how to construct the social credit system with Internet +credit technology.The system framework of block chain credit is extended to the whole social credit system.Because each part of the whole society is gradually informationized and networked,the informationization and networking of social credit system is the inevitable trend of development.Based on information and network,using block chain technology,we can build a more equitable,democratic and transparent social credit system.The main viewpoint and the possible innovation of the thesis are mainly reflected in the following four aspects:First of all,from the trust relationship between parents and their children,the thesis studies the nature of the concept of trust,credit,integrity,reputation and other concepts,then analyzes the related theories.The problem of e-commerce credit and trust mechanism is analyzed deeply with the new concept,idea and method.Secondly,the thesis puts forward the new idea of credit research from two different perspectives of credit evaluation and non credit evaluation.From two perspectives,the solution to the problem of electronic commerce credit is discussed.From the perspective of non credit evaluation it mainly includes the third party payment,the credit guarantee insurance,the punishment mechanism.From the perspective of credit evaluation it mainly includes the reputation evaluation,the credit rating and trust mark.Online commodity trading is instant value transactions,which focus on buildding the transaction trust between the two sides,ensures the transaction completed successfully;online credit transaction is the forward transactions of value,the credit of the participants must be evalued.The fuzzy comprehensive evaluation method of electronic commerce reputation is put forward,and the evaluation indicators are designed,and the empirical test is carried out.Thirdly,put forward the concept and model of distributed autonomous credit based on block chain.The thesis puts forward the centralized credit mode and decentralized credit model.The traditional credit model is the centralized credit model.The current online e-commerce systems basically are the centralized systems,B2 C,B2B,C2 C,P2P lending websites are the centralized systems,which will produce extreme monopoly and have a negative effect on the development of the industry andconsumers.The decentralized credit model is based on the independent credit block chain,which is a distributed,decentralized,fair and democratic,transparent credit model.Based on the analysis of bitcoin,we can apply the block chain technology to the field of credit and trust mechanism in the e-commerce environment.we design one P2 P e-commerce system based on block chain of credit,to eliminate exploitation of the platform.At the same time,the block chain technology is applied to Internet banking,and the P2 P credit system is designed.In the future,the Internet application systems based on the C/S model of the central system and based on P2 P mode will compete with each other.Fouthly,the Internet + credit + block chain model can be extended to the whole social credit system.Internet + credit model can be extended to the entire social credit system,but it is easy to cause the problem of monopoly.Internet + credit + blockchain model can build distributed autonomous credit,can prevent the problem of the credit information monopoly.According to the social credit system,we design a distributed block chain credit system solutions for enterprise credit,personal credit,government credit respectively,which can solve the social credit problem by low cost.Fifthly,the Internet in which the information is not credit and organized will be replaced by the internet in which the information is credit and organized.The credit problem of Internet information space is discussed,and the internet in which the information is not credit and organized will be replaced by the internet in which the information is credit and organized.A credit information system based on block chain and an academic credit evaluation system based on block chain are proposed.The library of each city must save all data of blocks chain of the P2 P application system,so problems of block chain storage can be solved.It should be supported by the public finance of government.These nodes can ensure distributed storage and uninterrupted service.The P2 P decentralized credit system is an equal,non monopoly self-organition system,which is the direction of the development of the internet.