【作者】 王勇；

【导师】 刘希珍；

【作者基本信息】 天津大学 ， 工商管理， 2018， 硕士

【摘要】 随着互联网技术的不断革新,中国电子商务规模不断扩大,消费者与企业在进行电子商务活动时所产生的记录已形成了一个庞大的信息网络。通过对相关信息进行筛选分析,可以建立一个以电子商务为基础的消费信用体系。借由网络化的便捷性,消费信用体系可以将信息收集、信用评价、结果反馈一体化。这种信息共享与信用分析运用模式能够在一定程度上解决市场中信息不对称的问题,并提高市场效率。在这个过程中,市场的信息数量与质量将会有明显的提高,基于电子商务发展下的消费信用体系能够有效降低交易中的信用风险,维护市场公平。然而消费信贷在中国20世纪90年代才开始出现,信用体系的建设相较于欧美国家晚,信用体系整体规模小、制度不完善,信用评价与使用方法也较为单一。本论文分析了中国信用体系建设的现状,从现实中消费者维权、中小企业融资难的主要问题入手,对中国消费信用体系建设与运用提出相应建议。探究如何将基于电子商务快速发展背景下的中国消费信用体系运用到解决市场中的实际问题上来。本论文在消费信用的讨论中主要涉及消费者与企业两个最主要参与者。通过对两个主体不同角度的分析,对消费信用体系的建设与功能提出设想,最终达到规范市场、提高经济效率的目标。本论文首先介绍了研究的背景和研究意义,并将中国与国外信用体系进行了比较。然后,通过对市场中现有需求以及问题进行分析,探究如何进一步完善中国消费信用体系结构与功能,以求解决市场中现有问题。最后,本论文通过实例,来模拟所构建的消费信用体系如何对市场产生作用并解决相关问题。消费信用体系是中国社会信用总体系建设的重要一环,本论文通过对消费信用体系功能的设计与运用探究,将会为信用体系建设提供一定的借鉴。更多还原

【Abstract】 With the continuous innovation of Internet technology,the scale of e-commerce in China is expanding,and the records of consumers and enterprises in the activities of e-commerce have formed a huge information network.Through screening and analyzing related information,a consumer credit system based on e-commerce can be established.With the convenience of network,the consumer credit system can integrate information collection,credit evaluation and result feedback.This information sharing and credit analysis application mode can solve the problem of information asymmetry in the market to a certain extent and improve market efficiency.In this process,the quantity and quality of the market information will be greatly improved.Based on the development of e-commerce,the consumer credit system can effectively reduce the credit risk in the transaction and maintain the market equity.However,consumer credit began to appear in China in 1990 s.The construction of credit system is relatively late in the European and American countries,the credit system is small,the system is not perfect,and the method of credit evaluation and using is relatively simple.This thesis analyzes the current situation of the construction of China’s credit system,and puts forward some suggestions on the construction and application of China’s consumer credit system,starting with the main problems of the real consumer rights protection and the difficult financing of small and medium enterprises.Explore how to apply the Chinese consumer credit system based on the rapid development of e-commerce to solve the practical problems of the market.In the discussion of consumer credit,this thesis mainly involves two main players,consumers and enterprises.By analyzing the different angles of the two subjects,this thesis puts forward the idea of the construction and function of the consumer credit system,and finally achieves the goal of standardizing the market and improving the economic efficiency.This thesis first introduces the background and significance of the research,and compares the credit system between China and other countries.Then,through the analysis of the existing demand and problems in the market,this thesis explores how to further improve the structure and function of China’s consumer credit system in order to solve the existing problems in the market.Finally,this thesis will illustrate how the consumer credit system can play a role in the market and solve relevant problems through examples.The consumer credit system is an important part of the construction of China’s social credit system.Through the design and application of the function of the consumer credit system,this thesis will provide some reference for the construction of the credit system.更多还原