基于G2B共享信息中介的异源信息信任形成研究

Research on trust formation of dissimilar source information within G2B infomediary

G2B(government to business)跨组织信息共享环境下,信息不对称主要表现为纵向信息不对称,其中最具代表性的是银行与政府之间的企业信用信息不对称.为应对这种纵向信息不对称,我国构建了纳入政府大数据的征信系统,实现了政府与银行间的纵向信息共享.本研究以征信系统为背景讨论了小微信贷决策用户对G2B共享信息中介环境下异源信息信任的形成过程,采用有中介的调节效应检验对模型假设进行了实证验证.研究发现,对于信息源的信任可传递给信息中介中的异源信息质量感知,同时其又受到外部对于信息源声誉和信息源能力判断的影响;而共享目标和共享交流工具对于间接判断和信息源信用的关系强度起到调节作用.

In the environment of G2B inter-organizational information sharing,vertical information asymmetry takes up dominant position,especially the credit information asymmetry between banks and government departments.As infomediary between them in this case,credit reporting system is constructed to collect and process government information in China.This research discussed the trust formation of dissimilar source information within credit reporting system using the method of the mediated moderation path analysis.The result shows trust on information source can transfer to the perceived information quality within G2B infomediary,and its trust can be influenced by judgments of source reputation and source capability.At the same time,sharing value and sharing language moderated the relationship between judgments and source credibility.