電子商務(wù)環(huán)境下的企業(yè)信用評估

論文編號:DZ338  論文字?jǐn)?shù):24522.頁數(shù):38

摘  要
 電子商務(wù)本身的運(yùn)行模式與傳統(tǒng)的企業(yè)管理模式和人們固有的消費(fèi)與購物
方式有較大的差異。由于國際互聯(lián)網(wǎng)本身的開放性和虛擬性，使網(wǎng)上交易面臨種種風(fēng)險。目前，我國仍處在經(jīng)濟(jì)轉(zhuǎn)型期，市場還很不成熟，社會信用體系很不健全。市場上假冒偽劣產(chǎn)品屢禁不止，坑蒙拐騙時有發(fā)生，互相拖欠相當(dāng)普遍，交易行為缺少必要的自律和嚴(yán)厲的社會監(jiān)督。在這種情況下，開展電子商務(wù)有相當(dāng)?shù)娘L(fēng)險。“信用貧困”已經(jīng)成為制約我國電子商務(wù)發(fā)展，并進(jìn)而阻礙我國全面融入信息社會的歷史進(jìn)程、影響我國企業(yè)國際競爭能力的重大問題。此背景下，如何建立信用評估體系變得重要了起來。本文正是從這一目的出發(fā)，希望通過論文的寫作，涉入到有實(shí)際意義的討論中去。
 首先本文在界定信用評估的內(nèi)涵以后，對電子商務(wù)信用評估的作用和國內(nèi)外電子商務(wù)企業(yè)信用評估的現(xiàn)狀作了綜合的、系統(tǒng)的分析，指出當(dāng)前我國信用評估存在的問題，提出了當(dāng)前信用評估中的一些建設(shè)性意見。隨后本文對企業(yè)信用評估的評估指標(biāo)體系、基本條件、信用模式和評估機(jī)制作了系統(tǒng)的綜合分析，具體說明電子商務(wù)企業(yè)信用評估的程序，基本方法。
 
 關(guān)鍵詞： 信用評估，評估程序，信用模式，基本方法

ABSTRACT
 The credit crisis has already become a commercial risks paid close attention to extremely. In the bank credit, often because the bad loan is unable to regain and form a large sum of bad debt of the bank. In the commercial exchanges, enterprises are often in arrears with the funds on account by the goods side too, Make originally force relatively strong, manage instead because credit bad enterprises involve and the financial crisis has taken place apt enterprise, Withdraw from the competitive market ahead of time. Freedom of trade exchanges today, the connection is close day by day and the relation is intricate between the commercial subject, As soon as the risk can not get limited control, extremely easy to cause chain reaction, Bring out the financial crisis of the large area. Under this background, how set up credit present with respect virtuous to assess system become important to stand up. This text exactly proceeds from this purpose , hope to involve in entering to the discussion of the thing sometimes through the writing of the thesis.
 This text can divide into two parts . The first part It is theory that narrate and partly, tell habitual odd pieces of credit appraise the principle, The rations of index choose method, and how about compose right and calculate and get scores synthetically. The second part It is the financial data which select for use the listed company, proceed from the reality and use the theory of the first part, Realize index determine the nature choice, quantitive choose carefully, standardized datas, compose right, comprehensive to drink this flow while being concrete, A instance that finish enterprise credit and analyses. At last, spoke of setting up the necessity and urgency final result as the full text of the standing system in our country.
Key words: The capital credence appraised, appraisal model, level analytic method, mixed type expert system

目  錄
前言……………………………………………………………………………… 1
摘要……………………………………………………………………………… 2
ABSTRACT………………………………………………………………………… 3
第1章  電子商務(wù)企業(yè)信用評估概述……………………………………… 4
 1.1  信用評估的概念……………………………………………………… 4
 1.2  信用評估的目的……………………………………………………… 4
 1.3  信用評估對電子商務(wù)企業(yè)發(fā)展的作用……………………………… 4
第2章  國內(nèi)外電子商務(wù)信用體系現(xiàn)狀的分析……………………………… 7
 2.1  美國信用體系的總體構(gòu)架分析……………………………………… 7
 2.2  中國電子商務(wù)企業(yè)信用現(xiàn)狀………………………………………… 10
第3章  電子商務(wù)企業(yè)信用評估體系……………………………………… 12
 3.1  電子商務(wù)界較為典型的信用模式…………………………………… 12
 3.2  電子商務(wù)的規(guī)范與發(fā)展需要信用體系……………………………… 13
 3.3  電子商務(wù)信用體系建立的基本條件………………………………… 14
第4章  電子商務(wù)企業(yè)信用評估建模舉例…………………………………… 18
   4.1  基于層次分析模糊綜合評判法的網(wǎng)上銀行信用評估……………… 18
   4.2  基于混合型專家系統(tǒng)的信用評估系統(tǒng)模型設(shè)計(jì)與實(shí)現(xiàn)…………… 21
第5章  電子商務(wù)信用評估程序設(shè)計(jì)………………………………………… 27
 5.1  電子商務(wù)企業(yè)信用體系的建立……………………………………… 27
 5.2  構(gòu)建電子商務(wù)信用機(jī)制……………………………………………… 28
 5.3  信用評估基本方法 ………………………………………………………… 30
 5.4  電子商務(wù)企業(yè)信用評估具體程序…………………………………… 31
致謝詞…………………………………………………………………………… 35
參考文獻(xiàn)………………………………………………………………………… 36