Research On The Dynamic Credit Management Of E-commerce Customers Based On Behavior Score

With the rapid development of the Internet and the maturity of technology,the rise of e-commerce platforms has been brought about.Internet consumption is a major trend in China's current consumption.At the same time as the rapid development of e-commerce,for e-commerce customers on the platform,the huge demand for capital consumption also followed,which led major Internet e-commerce companies to see the considerable prospects of financial consumption on its platform.Since its inception,e-commerce finance has grown rapidly.Internet finance has become a very important type of credit institution in the modern financial industry.With the advent of the mobile Internet era,people have the ability to consume anywhere,anytime,and Internet e-commerce companies have launched their own credit products in order to realize their own interests in the area of e-commerce,and many more.In the face of a large number of credit consumers,it is particularly important how credit ratings are assessed for each consumer and how credit ratings and behavioral scores are scored for consumers based on the large amount of data they have accumulated.Based on the changes of the Internet e-commerce customer credit account,this article studies the e-commerce customer's credit consumption habits and establishes a behavioral scoring model to dynamically adjust the credit line.First,a Markov chain with an absorbing state is used to establish a model that describes the changes in the status of the e-commerce customer's loan account,so that the Markov transition probability matrix is used to predict the bad debt rate after a certain period,and the bad debt rate is then subjected to regression analysis.Establish behavioral scores and apply them to the management of credit lines for e-commerce customers.This has certain practical significance for e-commerce customers,credit behavior and quota management.This paper is based on more universal research.In practical application,the e-commerce platform can use its own technical and data advantages to establish its own scoring model more accurately and perform more active and accurate dynamic quota adjustments.Implement credit management for e-commerce customers.