The Analysis of Two-Way E-Commerce Credit Evaluation Model Based on the C2C Mode

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According to CNNIC’s survey on online shopping users’ dissatisfaction in 2012, dissatisfaction caused by inconsistent publicity and fake and shoddy products accounted for 49% and 23.3%, respectively, seriously affecting consumers’ confidence in online shopping. Fu and Cristhian (2020) studied credit evaluation in e-commerce. A two-way credit evaluation method was put forward by analyzing the defects of credit evaluation. This method simultaneously evaluated and analyzed both sides of the transaction to ensure the consistency and authority of e-commerce transaction credit evaluations. The framework of the two-way e-commerce credit evaluation model was summarized, its operation mode and implementation method were designed, and the analytic hierarchy process was used for simulation. To ensure the construction of an e-commerce network platform through risk evaluation, Xu et al. (2019) discussed the uncertainty and transaction risks between e-commerce sellers and buyers, and then evaluated the application of artificial intelligence models of the artificial neural network, decision tree, and dynamic Bayesian network in the seller’s credit risk evaluation. The results showed that the model could effectively promote the transaction of e-commerce platforms, so the excellent credit risk evaluation model could improve the e-commerce environment and provide a decision-making reference for buyers and investors. Liu and Li (2020) evaluated the application of blockchain technology in supply chain management in the context of cross-border e-commerce, and formulated corresponding technical processes based on blockchain technology. The model can effectively deal with the problem of key recovery and solve the problems of network attack and credit.