این مقاله علمی پژوهشی (ISI) به زبان انگلیسی از نشریه الزویر مربوط به سال ۲۰۲۲ دارای ۹ صفحه انگلیسی با فرمت PDF می باشد در ادامه این صفحه لینک دانلود رایگان مقاله انگلیسی و بخشی از ترجمه فارسی مقاله موجود می باشد.
کد محصول: M1243
سال نشر: ۲۰۲۲
نام ناشر (پایگاه داده): الزویر
نام مجله: Information Processing and Management
نوع مقاله: علمی پژوهشی (Research articles)
تعداد صفحه انگلیسی: ۹ صفحه PDF
عنوان کامل فارسی:
مقاله انگلیسی ۲۰۲۲ : آنالیز نظریه بازی در ارزیابی ریسک اعتباری در تجارت الکترونیک
عنوان کامل انگلیسی:
Game theory analysis on credit risk assessment in E-commerce
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With the development of network technology and social economy, e-commerce has been widely utilized around the world, while the E-commerce credit has become one of the most important issues. The credit risk in E-commerce is not only the result of game between different sellers, but also the result between online traders and managers. From the perspective of different sellers with same products or services, this paper analyzes and discusses the formation of credit risk in Ecommerce based on the game theory, and presents some suggestions for future application of Ecommerce credit. In order to reduce the loss caused by E-commerce credit risk, the government should play a macro-control role or participate in the game process as a participant to influence the game result. The government can guide enterprises’ game activities through legal and economic levers such as legislation, taxation, to make the results approached to the Pareto optimal solution, and the utility of the entire society will be increased.
Keywords: E-commerce, Credit risk, game theory, Integrity model, Fraud model
As the rapid development of E-commerce, on-line trading has been the main way of consumer shopping. In the process of online shopping, merchant credit is one of the main factors in consumers’ decision-making. As information asymmetry in EC transactions and many illegal and irregular act such as brushing bills and false evaluation, dishonesty in E-commerce is not uncommon. E-commerce credit has become one of the serious problems to restrict development of E-commerce.
Credit is the trust which allows one party to provide money or resources to another party where that second party does not reimburse the first party immediately (thereby generating a debt), but instead promises either to repay or return those resources (or other materials of equal value) at later date In other words, credit is a method of making reciprocity formal, legally enforceable, and extensible to a large group of unrelated people . Credit risk refers to the risk of default on a debt that may arise from a borrower falling to make required payments …
The problem of credit risk of e-commence is discussed by using the game theory in this paper. Game theory is an enthralling topic. It is used in a variety of educational disciplines, including as economics and finance. The goal of probability theory is to resolve issues and control risks. The connection between probability theory, strategic thinking, and financial reporting is examined in this paper. To identify any potential that a firm can convert a hazard into a possibility, game theory is integrated with risk assessment concept. For large amounts of data, behavioural economics is simply another lens through which to examine the problem-solving procedure. Through the above analysis, we can get following conclusions:..
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