论文部分内容阅读
揭示网上信用风险演化和形成规律是有效防范网上信用风险的前提。本文通过文献研究,梳理网上信用风险研究的理论发展逻辑及其存在的主要不足。基于此,从在线交易者群体行为视角,应用演化博弈,初步构建一个网上信用风险演化的探索性理论分析框架。该分析框架以网上信用风险的基本范畴为逻辑起点,进而探索群体演化原理,演绎群体演化模型,设计群体演化实验,并据此构筑多维防控体系。本文分析表明,网上信用风险具有群体性,从群体行为互动视角研究网上信用风险,有助于揭示其重复性、相机性、动态复制性等内在规律。本文提出的探索性分析框架不仅有助于揭示电子商务信用风险演化的动态规律,而且对现有该领域理论分析框架也是一个有益的拓展和优化。
Revealing the evolution and formation of online credit risk is a prerequisite for effective prevention of online credit risk. Through literature research, this paper sorts out the theoretical development logic of online credit risk research and its main shortcomings. Based on this, from the perspective of online trader group behavior, this paper constructs an exploratory theoretical framework for the evolution of online credit risk by applying evolutionary game theory. This analytical framework takes the basic category of online credit risk as the logical starting point, and then explores the principle of group evolution, deduces group evolution model and design group evolution experiment, and builds a multi-dimensional prevention and control system accordingly. The analysis of this paper shows that online credit risk is of a group nature. Studying online credit risk from the perspective of group behavior interaction helps to reveal the inherent laws of repetition, camera, and dynamic replication. The exploratory analysis framework proposed in this paper not only helps to reveal the dynamic law of the evolution of credit risk in e-commerce, but also expands and optimizes the existing theoretical analysis framework in this field.