Research On The Improvement Of C2C E-Commerce Credit Evaluation System From The Perspective Of Government Regulation

At the age of "the Internet+",the credit problem of E-commerce is more and more prominent.The credit crisis has become the significant factor which effects the efficiency of online transactions and restricts the development of E-commerce.To build and improve the credit appraisal system is the method to solve the credit problem.Most of the C2C E-commerce websites have set up their own credit appraisal system now,which lowers the credit risks to a certain degree,however,there are still some shortcomings inevitably.This article integrates the research findings both home and abroad,studies the credit appraisal system of Taobao through searching thesises and making questionnaire survey.then describes the contents of credit appraisal system and its importance to the participators,analyzes the problems of the credit appraisal system,puts forward measures to improve the credit appraisal system according to these problems.Coordinate autonomous forces and regulatory forces,aiming at finding the most conducive model to build China’s commerce industry.In this paper,using the method of logical deduction and inductive analysis,this paper puts forward the principles and measures to improve C2C e-commerce credit rating system from the perspective of government regulation.Specifically,the principle of perfection includes the following four aspects:Firstly,to unify the principle of sharing.Government-led industry associations to design a consistent set of evaluation criteria,processes and management methods,integration of e-commerce platform database for interoperability of user credit data between platforms.Secondly,a comprehensive scientific principle.Government regulation aims to help e-commerce entities make more professional evaluations,properly manage user evaluation information and credit information,and improve the scientific evaluation system and evaluation results.Thirdly,the principle of information security.Promote C2C e-commerce trading platform between the information,especially the cooperation and sharing of credit information,to maximize the protection of user personal information.Fourthly,the principle of equality and reciprocity.C2C e-commerce credit rating system,the seller and seller status should be equal,and the credit rating should be two-way.Based on the above principle of perfecting,the author puts forward proposals from the two aspects of the improvement of the relevant systems of government regulation and the improvement of C2C credit rating system respectively.Among them,the institutional level includes the improvement of the legal and moral foundation,and the system level proposes that the government should take the lead in establishing a third-party credit rating system.Specifically include the following:First,improve the legal system and strengthen credit education.Credit is the fundamental condition of e-commerce transactions.However,it is difficult to ensure that all the relying parties rely on their own sense of responsibility and ethics to achieve the desired creditworthiness.Therefore,to create a good credit environment,a sound legal system should be established as a support.Second,improve the moral foundation.Honesty is a good guideline for a market economy to function well.Strengthening credit education,and actively promoting the establishment of a more mature and standardized market credit environment,increase consumer protection of legitimate rights and interests,for promoting the development of C2C model is of great significance.Third,improve personnel training and selection system.Training existing personnel with a single knowledge structure;and cooperating with universities and colleges to train and select the required talents.Fourth,the government dominates the construction of a third party credit rating system.The subject of credit evaluation in C2C e-commerce mode should be an intermediary agency specializing in credit rating and management in the market.Therefore,the development of such third-party intermediary agencies should be encouraged.At this stage in our country,it is appropriate for the government to lead the establishment of a third-party credit rating system.