| 电子商务三维信用模型设计与应用 |
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| 引用本文： | 况湘玲,左勤刚,黄光球. 电子商务三维信用模型设计与应用[J]. 河南金融管理干部学院学报, 2014, 0(2): 15-18 |
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| 作者姓名： | 况湘玲 左勤刚 黄光球 |
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| 作者单位： | [1]湖北汽车工业学院经济管理学院,湖北十堰442002 [2]西安建筑科技大学管理学院,陕西西安710055 [3]中国人民银行十堰市中心支行,湖北十堰442002 |
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| 基金项目： | 湖北省教育厅人文社科项目（13q088）;湖北汽车工业学院博士基金项目（BK201203）;湖北省十堰市软科学项目（201310） |
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| 摘 要： | 电子商务三维信用风险分析模型,是有关电子商务三方互动模型的基本设定和表达.根据现实情况,可将电子商务三维信用风险分析模型转换为三维信用博弈模型或三维信用连续模型.应用三维信用连续模型,对某电子商务平台上的交易信用数据进行模型示例,结果表明：三维信用连续模型基本可以动态表达交易三方的信用水平分布的变化状态.
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| 关 键 词： | 电子商务 三维信用模型 三维信用博弈模型 三维信用连续模型 模型设计 |
Design and Application of a Three-dimensional Credit Model in E-commerce |
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| KUANG Xiangling,ZUO Qingang,HUANG Guangqiu. Design and Application of a Three-dimensional Credit Model in E-commerce[J]. Journal of Henan College of Financial Management Cadres, 2014, 0(2): 15-18 |
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| Authors: | KUANG Xiangling ZUO Qingang HUANG Guangqiu |
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| Affiliation: | 1. School of Economics and Management, Hubei University of Automotive Technology, Shiyan , HuBei 442002, China ; 2. School of Management, Xian University of Architechture and Technology, Xian ShanXi 710055, China .3. Department of Science and Technology, Shiyan Central Sub-branch of the People ＇s Bank of China, Shiya , Hu Bei 442002, China ) |
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| Abstract: | A three-dimensional credit risk analysis model of e-commerce is a basic set and expression of three-side （buyer, seller and the third part） interaction in e-commerce. According to the present reality, a three-dimensional credit risk analysis model of e-commerce may be transformed into a three-dimensional credit game model or a three- dimensional credit continuity model. Based on the application of a three-dimensional credit continuity model, the paper presents a typical example to demonstrate the model by using real trade data on a particular e-commerce plat- form. The results show that the three-dimensional credit continuity model can dynamically illustrate the changes of the credit level distribution of buyers, sellers and the third part. |
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| Keywords: | e-commerce three-dimensional credit model three-dimensional credit game model three-dimensionalcredit continuity model model design |
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