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1、An Analysis of Management Credit Risk inE-commerce of ChinaAbstract: With the expanded use of e-business group, the management of credit risk in e-commerce has become increasingly acute. In pursuit of self-interest some e-commerce website dont care the interests of consumers, which causes a bad infl
2、uence. The paper analyses the types and characteristics of credit risk in e-commerce, and then put forward to management measures to it. Chinas e-commerce through continuous exploration and adjustment entered a leap-forward development of the track.Keywords: Credit risk; E-commerce; Credit risk cont
3、rolling 摘要：随着电子商务组使用的扩大，在电子商务中的信用风险管理已成为日益突出的问题。一些追求自身利益的电子商务网站不关心消费者的利益，这会导致不好的影响。本文分析了电子商务中的信用风险的类型和特点，然后提出了管理措施。中国的电子商务经过不断的探索和调整，进入了跨越式发展的轨道。关键词：信用风险 电子商务 信用风险控制 1. Introduction Along with social progress, economic development, computer applications have been deep into every aspects of social li
4、fe, e-commerce play an important role in the social and economic as a new mode of commerce. In July 2010 China reached 420 million, mobile surfing users reached 277 million, web-shopping users in China has reached 140 million yet, but only 28.1% of users in business transactions approved security. T
5、herefore credit risk is key factor that net citizens focus on in current.2. The definition of E-commerce Electronic commerce, commonly known as e-commerce, consists of the buying and selling of products or services over electronic systems such as the Internet and other computer networks. The amount
6、of trade conducted electronically has grown extraordinarily since the spread of the Internet. A wide variety of commerce is conducted in this way, spurring and drawing on innovations in electronic funds transfer, supply chain management, Internet marketing, online transaction processing, electronic
7、data interchange (EDI), inventory management systems, and automated data collection systems. Modern electronic commerce typically uses the World Wide Web at least at some point in the transactions life-cycle, although it can encompass a wider range of technologies such as e-mail as well. A large per
8、centage of electronic commerce is conducted entirely electronically for virtual items such as access to premium content on a website, but most electronic commerce involves the transportation of physical items in some way. Online retailers are sometimes known as e-tailors and online retail is sometim
9、es known as e-tail. Almost all big retailers have electronic commerce presence on the World Wide Web. 3. Credit Risk Classific3.1. Network security risks E-commerce transactions are computer-based media network information systems; and network information system security situation is not optimistic.
10、 These risks are often met in e-commerce transactions, also is firstly considered by consumer from all types of risk. The Internet is an open network, dangers are hidden in network product, coupled by the technical, human and other factors, and insecurity is more prominent. Such as system and applic
11、ation security vulnerabilities caused by unauthorized access, impersonate legitimate users, destroy data integrity, interference with normal operation of such systems, there are a variety of viruses and malicious attacks such as phishing, interception, eavesdroppers. Therefore, the Internet as the m
12、ain platform for the development of e-commerce is facing serious security problems.3.2. Contract risk Most e-commerce is the platform-type transactions; vendor is responsible for the broker role. In the development of specific business, contract is usually drafted by the seller unified format for th
13、e consumers, for different products .The contract should be obvious differences, such as warranty, recalling policy, restitution and other detailed requirements. Therefore, in this transaction mode, the contract trap is a common risk for consumers. Another risk brought by the contract is payment ris
14、k and logistics risk. Payment and settlement approach is generally specified in the contract, but the item or escrow (to ensure security) in this transaction mode is ambiguous. Similarly, the seller generally designates the mode of logistics and distribution. So that consumers in this area may be wi
15、thout any oversight.3.3. Business credit risk Sincerity is the cornerstone of electronic transactions unlike the traditional transaction methods; consumers can observe the sellers business sites, contacts, and direct selection of their goods. The safeties of goods Consumers see in the computers brow
16、ser completely depend on the business credibility. When the traditional shopping is also triggered by a variety of scandal, the sincerities of online transactions are how to ensure?3.4. Restitution risk After transaction, restitution risk arising, when vendor deliver merchandise to buyer means the transaction is end on the network, but consumers get goods and products described is different from network shows
