【作者】 徐有霞；

【导师】 吕廷杰；

【作者基本信息】 北京邮电大学 ， 产业经济学， 2010， 硕士

【摘要】 我国移动商务广阔的市场前景和巨大的商业价值,成为推动移动商务发展的强大动力,但是当人们将对移动商务安全的关注逐级转移到移动商务信用问题上来时,信用制度以及信用评价体系的缺失已经成为约束移动商务进一步发展的关键因素。通过阅读大量的参考文献,了解国内国外的信用评价的研究成果,笔者旨在以用户信用评价为研究对象,旨在建立一套适合移动商务特征及当前发展现状的用户信用评价体系,为目前国内移动商务个人信用评价方面研究奠定一定的基础。绪论部分,首先结合移动商务兴起的现状,以及愈来愈凸显的信用问题,提出了本文的研究定位——移动商务中的用户信用评价。并总结和归纳了本文的研究思路。移动商务及信用、信用评价相关的理论部分。经过文献阅读总结和归纳,对移动商务的内涵、特征、应用类型及运作模式进行了阐述,并对信用及信用环境进行了分析，总结了信用评价方法的发展及我国目前相关的研究现状。移动商务的用户信用影响因素分析部分。通过分析电子商务、金融两个典型应用个人信用评价的行业,并总结其中的信用风险及相应的信用影响因素,为提出本文的静态、动态信用评价两因素提供依据。最后利用专家法进行指标筛选,建立出指标体系,设计并发放问卷,并通过层次分析法建立出了本文的移动商务用户信用评价指标权重体系,形成了完整的移动商务用户信用评价体系。以某个个人信息为例,进行了移动商务用户信用水平的测评示例。更多还原

【Abstract】 China’s mobile commerce has vast market prospects and great commercial value, which provide the development of mobile commerce a powerful driving force. But the short of credit system and credit evaluation system has progressively become a constraint factor to further development of mobile commerce. By reading a large number of references to the domestic and foreign credit evaluation of research results, the author aims to establish a set of credit evaluation system of m-commerce,which has laid a solid foundation for the current domestic research on user credit evaluation of mobile commerce.In the introduction section, with the rise of mobile commerce, as well as more and more prominent credit issue, we proposed the positioning of this study-credit evaluation system of m-commerce users.Secondly, through the literature review,the author summarized the content of mobile commerce, characteristics, application type and mode of operation. Then credit environment are analyzed, and the development of credit evaluation methods was summarized. By analyzing e-commerce and finance this two typical industries that use personal credit evaluation system, summarizing one of the credit risk and the corresponding credit factors, as proposed by this paper the static and dynamic evaluation of two factors that provide the basis for the credit.Finally, the author used the expert method to establish a target system, designed and sent out questionnaires. Then through the AHP, we established the index weights system for the credit evaluation system, and formed a complete credit evaluation system of mobile commerce user.更多还原