Research On The Construction Of Cross-border E-commerce Credit Information System

In recent years, with the continuous innovation of information technology, the cross-border e-commerce which is based on internet has achieved rapid development. Although, the rapid development of cross-border e-commerce brings infinite possibilities to our cross-border trade, it also leads to a series of credit problems, such as fake and shoddy, information fraud, refusal of cross-border payment. One of the root causes is the lack of credit information collection, analysis, transmission and supervision. While at present in the field of cross-border e-commerce credit, our country has not yet formed a set of effective credit information system to optimize the cross-border e-commerce credit environment, strengthen the willingness to keep faith, and avoid the risk of broken promises. Therefore the research on the construction of cross-border e-commerce credit information system has certain theoretical significance and practical significance.This paper has fousced on the related literature of cross-border e-commerce credit. Then this paper indicates the connotation of cross-border e-commerce credit information system and puts forward the basic framework of this system. In this paper, the theoretical analysis and process analysis are carried out on the construction of this system. First, under the information asymmetric theory, with the function of this system the credit information will be strengthened and the uncertainty of transaction information and cross-border payment will be weakened. Second, in the theory of transaction cost, if the effect of supervision and punishment in this system is improved, for the dishonest party the sunk costs will be increased while for the faithful party the appeal costs will be reduced. Third, the game analysis shows that by introducing credit rating as part of this system, when the probability which dishonesty is found by the system is greater and the loss caused by lower credit rating is greater, the subject of trade will keep promise in a greater probability. Fourth, through the model of QSIM, this paper has proved that under the role of this system, the credit environment of cross-border e-commerce can be optimized.On the basis of the above analysis, this paper deeply studies the path of the construction of cross-border e-commerce credit information system. This system involves in the collection and processing of system information, the system analysis and credit rating, the supervision and punishment of system. Through this system we can finally get rid of the cross-border e-commerce credit problems, optimize the credit and improve the cross-border online trading environment.