Research And Implement On Dynamic Credit Evaluation Model For C2C Based On Game Theory

Credit problem is one of the bottlenecks in the process of e-commerce' development. The credit evaluation system now provided by domestic C2C e-commerce websites still have some problems, although it guarantees the security of electronic trading to a certain extent. Establishing and perfecting the present credit evaluation system is rather important to the healthy development of electronic commerce. In order to solve the credit problem in e-commerce, the current credit evaluation model for C2C(Customer to Customer) is studied with Taobao as an example, the main work in this paper includes:1. E-commerce is also a dynamic process of repeated game between buyers and sellers, applying game theory, this paper does some research respectively on the process of deal stage and evaluation stage. The application of game theory in the new regulation for Taobao is discussed at the deal stage, and based on the strategic options of buyers and sellers, game analysis is given at the evaluation stage to put forward solutions to the incident after the new regulation.2. This paper analyses the current credit evaluation system of Taobao.com, and points out the main existing problems that have impacts on the credit measure, like the accumulation of credit rating, the association between credit evaluation and shop scores, etc, and puts forward some solutions to these problems, then an improved credit evaluation algorithm is given.3. Based on the game analysis, the paper proposes a dynamic credit evaluation model for C2C e-commerce which takes into account of various aspects of transactions such as the amount, reliability of evaluation, etc, and the dynamic calculation of credit scores is designed by using impact factors to combine the historical credit with the recent credit. This model is associated the credit evaluation and shop scores, thereby the seller credit reflected by them is more consistent. To some extent, the model can effectively identify suspicious users and reduce the credit fraud online, it provides a guarantee for electronic exchange.Finally, On the basis of the dynamic evaluation model that is put forward, the system is designed and implemented.