CAJ | 학술논문

提出了一种改进的信用计分方法,该方法采用商品价格的区间分布来对成功交易进行加分,采用信用等级的扣分系数来对不同信用等级的失败交易进行扣分,可以解决信用炒作和周期欺骗问题.通过对信用风险的分析,在改进的信用计分模型的基础上,设计了一种网上交易的风险计算方法,该方法可以根据历史交易的情况以及当前交易的价格来对当前交易的风险进行评估.模拟实验结果表明,改进的信用计分方法具有较好的抗信用炒作和周期欺骗效果,所给出的风险评估方法对电子商务交易中的风险分析和预测是比较准确和有效的.
제출료일충개진적신용계분방법,해방법채용상품개격적구간분포래대성공교역진행가분,채용신용등급적구분계수래대불동신용등급적실패교역진행구분,가이해결신용초작화주기기편문제.통과대신용풍험적분석,재개진적신용계분모형적기출상,설계료일충망상교역적풍험계산방법,해방법가이근거역사교역적정황이급당전교역적개격래대당전교역적풍험진행평고.모의실험결과표명,개진적신용계분방법구유교호적항신용초작화주기기편효과,소급출적풍험평고방법대전자상무교역중적풍험분석화예측시비교준학화유효적.
An improved method of credit counting was introduced, which used the interval distribution of commodity prices to rate success trades and used different deducting coefficients to rate failed trades according to different credit rating. A risk evaluation approach for online transactions was proposed through analyzing the credit risks. It was based on the improved credit counting method. The approach could evaluate the risk of current trades according to the trading his-tory and current trading prices. The simulation experiments show that the improved credit counting method is preferable on anti credit hyping and anti periodical cheating, and the risk evaluation method is relatively accurate and effective when it is used to analyze and forecast risk in the transactions of e-commerce.