The Credit Assessment Of SMEs In The B2B Environment

In recent years E-commerce has been progressing in a high speed. As the main typeof E-commerce, B2B platform has brought more and more opportunities for thedevelopment of enterprises, especially provides a broader business opportunities for thedevelopment of small and medium-sized enterprises. However, challenges always cometogether with opportunities, As the credit environment of E-commerce is not matureenough, due to the significant problem of asymmetric information network transactionsbrings significant credit risk along with the convenience it brings, especially for the largetransactions. Because of the suspicion on the network credit environment, a lot of SMEsmaintain a wait-and-see attitude on B2B E-commerce. So, Credit problem has become anobstacle in E-commerce development. However only few B2B websites are considerabout the credit assessment issue, and the results on such research are even fewer. So theapplication of credit assessment in E-commerce is worth to be concerned. This can helpenterprise reducing credit risk in B2B, and is good for the development of E-commerceand the improvement of online market’s credit environment, and it has an important effecton speed up modern economy.This paper’s first few chapters introduced B2B E-commerce, on what it contents andits development status, and brought out credit issues, and analyze the feasibility of creditassessment on SMEs under B2B environment. The way B2B websites now use to docredit assessment is too simple to provide an effective evaluation to improve this. In orderto solve this problem, this paper attempts to apply the Analytic Network Process (ANP) incredit evaluation of e-commerce．Firstly, according to the characteristic of e-commerce, acredit evaluation index system of e-commerce is constructed．Secondly, in view ofdependence and feedback between the credit evaluation indicators of e-commerce, theindicators weights are determined through ANP. So that the scientificity of determining theindicators weights is enhanced．Thirdly, using the linear weighted method the valueevaluating the credit state of e-commerce is obtained．The empirical analysis results showthat ANP is feasible and suitable in credit evaluation of e-commerce．Finally, this paperprovides some corresponding comments and suggestions on improving credit evaluationsystem and the credit enhancement...