基于电子商务交易主体的个人信用评价指标实证研究

Empirical Research on Individual Credit Evaluation Based on E-commerce Transaction Subjects

文章通过对比当前几大电子商务网站现有的信用评价指标体系,提出个人信用评价指标草案,采用李克特量表设计调研问卷,获取各指标的认同情况。对回收的调研数据进行描述性分析和主成分分析,实证了草案,并量化了各指标对信用评价的影响,为个人信用评价指标体系的制定提供了参考,也为信用信息共享关键技术标准的实证研究提供了个案分析和总体研究的方向性指导。

Through comparing the current credit evaluation index system from the several major E-com- merce sites, the study puts forward the draft of individual credit evaluation indexes and obtains situation how each index is approved by Likert Scale investigation questionnaire. By descriptive analysis and PCA （Principal Component Analysis ） on the retrieve of research data, the study testifies the draft and quantifies the impact on the credit rating which each index brings out. It provides a reference for the design of individ- ual credit evaluation index system. And it also supplies the empirical research of critical technical standards of credit information sharing with directional guidance about ease analysis and general study.