基于模糊综合评价法的跨境电商企业信用风险评级问题研究摘要我国电子商务尤其是跨境电子商务模式在近年间发展迅速，越来越多的企业已经依靠跨境电商平台走出去。与传统交易模式相比，跨境电商的买卖双方由于处于不同国界，对企业的信用风险要作出准确的判断变得更加有难度。况且，对于电子商务这样一个看不见实体的经济模式，可以说信息很多情况下都是不对称的，在跨境电子商务还没有得到所有人的认可的情况下，对于跨境电子商务公司的评判标准几乎就是以该公司的信用为界定了。跨境电商行业在引入信用评级模型后也可以更健康地发展，不会因为个别不守信企业让整个行业受到影响。因此，建立信用评级模型对于跨境电子商务企业以及整个跨境电子商务行业来说都是非常重要的。本文对跨境电商信用问题以及我国跨境电商的发展现状进行了分析，并且在严格的指标选取原则的基础上构建了跨境电商信用等级评价指标。通过对信用问题的整理与分析，最终形成了一套完备的跨境电商信用风险评级模型。本文运用了模糊综合评价法把定性评价的量度具体的转化为了定量评价的量度，并在此基础上创建了信用风险评级模型，经过该模型的计算可以求出跨境电子商务企业的综合信用得分，确定电商企业的信用级别，为跨境电子商务企业的信用考量提供参考。关键词：跨境电商信用风险评级模糊综合评价法ABSTRACTChina'se-commerce,especiallycross-bordere-commercemodel,hasdevelopedrapidlyinrecentyears,andmoreandmoreenterpriseshavereliedoncross-bordere-commerceplatformstogoout.Comparedwiththetraditionaltradingmode,thebuyersandsellersofcross-bordere-commercearemoredifficulttomakeaccuratejudgmentsonthecreditriskofenterprisesbecausetheyareondifferentnationalborders.Moreover,fore-commerce,aninvisibleentity,itcanbesaidthatinformationisasymmetricalinmanycases.Inthecasethatcross-bordere-commercehasnotbeenrecognizedbyeveryone,thecriteriaforcross-bordere-commercecompaniesarealmostdefinedbythecompany’scredit.Thecross-bordere-commerceindustrycanalsodevelophealthilyaftertheintroductionofthecreditratingmodelandtheuntrustworthyenterpriseswillnotaffecttheentireindustry.Therefore,establishingacreditratingmodelisveryimportantforcross-bordere-commercecompaniesandtheentirecross-bordere-commerceindustry.Thispaperanalyzesthecross-bordere-commercecreditproblemandthedevelopmentstatusofcross-bordere-commerceinChina,andbuildsacross-bordere-commercecreditratingindex.Throughthecollationandanalysisofcreditissues,acompletecross-bordere-commercecreditriskratingmodelwasfinallyformed.Inthispaper,thefuzzycomprehensiveevaluationmethodisusedtotransformthemetricsofqualitativeevaluationintoquantitativemeasures,andonthisbasis,acreditriskratingmodeliscreated.Throughthecalculationofthismodel,thecomprehensivecreditscoreofcross-bordere-commerceenterprisescanbeobtained.Throughthisscore,thecreditlevelofthee-commerceenterprisecanbedetermined,whichprovidesareferenceforthecreditconsiderationofcross-bordere-commerceenterprises.Keywords:cross-bordere-commerce;creditriskrating;fuzzycomprehensiveevaluation目录........................................................................................................................4........................................................................................4....................................................................................................5....................................................................................................5............................................................................................6......................................................
