Study Of B2C Credit Evaluation Model

All along, the credit issue is an important factor to impeding the further development of e-commerce. Lack of social credit architecture, resulting in endless e-commerce credit problems, as an important component of the social credit architecture, e-commerce architecture was considered a breakthrough. With the continued rapid development of e-commerce, government, society, the academic are all research on e-commerce credit system. Credit evaluation model as the core issue of credit architecture, especially in B2C credit evaluation model has not yet in-depth discussions. In theoretical research and practical application, B2C credit evaluation model has basic and frontier effect.First, we analysis the e-commerce credit issue, study e-commerce credit evaluation architecture and the credit evaluation architecture of B2C. Second, we point out the existence problems and improved suggestions. Third, we establish a scientific and rational credit evaluation model and algorithms based on fuzzy theory which can improve the existing e-commerce credit evaluation system.In this paper, we focus on the B2C e-commerce credit evaluation model which based on fuzzy theory and comprehensive credit evaluation algorithms, and discusses in detail the establish process. we adopt a qualitative and quantitative analysis, combined with the integration of point of view that consumer and business credit impact factor analysis, construct a B2C credit evaluation index architecture, using fuzzy algorithm and fuzzy evaluation matrix to calculate business credit score, which provides a more reliable environment for user's decision-making, and reduce the credit risk of the transaction.