我國網(wǎng)絡(luò)交易的信用風(fēng)險(xiǎn)及對(duì)策分析
畢業(yè)論文
我國網(wǎng)絡(luò)交易的信用風(fēng)險(xiǎn)及對(duì)策分析
摘要：信息技術(shù)的飛速發(fā)展與創(chuàng)新為新的網(wǎng)絡(luò)經(jīng)濟(jì)提供了機(jī)會(huì)與挑戰(zhàn)，使得網(wǎng)絡(luò)市場蓬勃發(fā)展。網(wǎng)絡(luò)方便了交易雙方之間的信息溝通，降低了交易費(fèi)用，然而網(wǎng)絡(luò)交易的'信用風(fēng)險(xiǎn)并沒有因此得到改善，特別是網(wǎng)絡(luò)交易信用風(fēng)險(xiǎn)的防范和控制相對(duì)薄弱，交易雙方的主體和信用狀況難以確定，交易平臺(tái)的責(zé)任和權(quán)利尚未明確，網(wǎng)絡(luò)詐騙行為防不勝防，嚴(yán)重制約著我國網(wǎng)絡(luò)交易市場的發(fā)展。本文通過分析網(wǎng)絡(luò)交易的現(xiàn)狀、網(wǎng)絡(luò)交易中存在的主要信用風(fēng)險(xiǎn)類型，運(yùn)用信息經(jīng)濟(jì)學(xué)觀點(diǎn)，分析了由于信息不對(duì)稱在網(wǎng)絡(luò)交易下產(chǎn)生的逆向選擇和道德風(fēng)險(xiǎn)對(duì)網(wǎng)絡(luò)交易信用風(fēng)險(xiǎn)的影響,并對(duì)我國網(wǎng)絡(luò)交易中信用風(fēng)險(xiǎn)的防范對(duì)策進(jìn)行了探討，針對(duì)如何建設(shè)我國網(wǎng)絡(luò)信用體系提出了1些相關(guān)建議，以期促使網(wǎng)絡(luò)經(jīng)濟(jì)朝著更加良好的方向發(fā)展。
關(guān)鍵詞：網(wǎng)絡(luò)交易；信用風(fēng)險(xiǎn)；信息不對(duì)稱
Analysis on Credit Risk and Strategy of On-line Trade
Abstract: Both the development of infomation techniques and the opportunities and challenges crated by the innovation of new network economic, are supplying a good enviroment for the rapid devolopment of network market. Becase of network, the commnications between both sides of trades becomes convenit. However, there are still many credit risks in network trades, such as the weakness of protection and control on the network trades, the complesity of the information about both sides in a trade. All of these problems restrict the development network trade market. The realistic state with the economics theorys, the test has analyzed the trades, and the reverse choics caused by asymmetry infomation under traders, then the text has gone on further analysis to the protective antidotes. The text has also put forward some related suggestions in order to prompt the network economic to develop in a more healthy way.
Keywords: Network Trade；Credit Risk；Asymmetry information
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