Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015, pp.93-104 http://dx.do.org/10.14257/juet.2015.8.5.09 Credt Rk Evaluato of Ole Supply Cha Face Baed o Thrd-party B2B E-commerce Platform: a Exploratory Reearch Baed o Cha Practce Jzhao Sh 1, Ju e Guo 2, Shub Wag 3 ad Zhahao Wag 4 1,2,3,4 School of Maagemet, X a Jaotog Uverty X a, Shaax 710049, Cha 1 h901226@tu.xjtu.edu.c, 2 guojue@mal.xjtu.edu.c, 3 waghub1228@163.com, 4 ady.w@tu.xjtu.edu.c Abtract Wth referece to the charactertc of ole upply cha face, th paper etablhe a credt ratg dex ytem for the loa eterpre the ole upply cha face that baed o the thrd-party B2B e-commerce platform. The ytem apple the mult-level gray evaluato model baed o the Thel dex to make a compreheve evaluato o the credt of the loa eterpre ad tet the model feablty through the aalye of umercal example. The evaluato model overcome the ubjectvty of weght dtrbuto to dex ad preet the degree (from excellet to poor of dce o each herarchy dtctly o a to eable bak to take rk cotrol pecfcally operato. Keyword: B2B, ole upply cha face, credt rk evaluato, thel dex, multlevel gray evaluato model 1. Itroducto I recet year, commercal bak Cha all lauch ole upply cha face ervce, whch ot oly olve the problem of coveece ad tmele of SME facg but alo rae the upply cha collaborato to a ew heght. I the meatme, whle the bg data puhe the reform of maagemet to move forward, ew cooperato model emerge a edle tream ad ole upply cha face ervce baed o thrd-party B2B e-commerce platform uch a the e-da Tog hort-term facg ervce put up forward by CCB (Cha Cotructo Bak, JYD O2O commodty e- commerce platform ad Coco Logtc aroue cocer de the dutry. I uch cooperato model, the bak take full advatage of data accumulated the thrd-party B2B e-commerce platform to mplemet le of credt ad dyamc motorg over SME, whch provde ew oluto for the formato aymmetry problem that ha log troubled upply cha face ervce. Some tme the future the ole upply cha face ervce baed o thrd-party B2B platform Cha led by CCB wll acheve a rapd developmet ad more commercal bak wll expad ther ervce to th feld. At the ame tme, we fd that, there have bee a lot of chage rk that the bak face uder the ew model. Therefore, tudyg the credt rk maagemet of th ew model of great gfcace to the bak. I th paper, we attempt to fd a method of credt rk maagemet that would be utable. The lterature o the tudy of ole upply cha face baed o B2B tarted early. Cro (1997 propoed h Bakg ad Face o the Iteret that the cetfc ad techologcal developmet would accelerate the fltrato of e-commerce that would become a mportat brach of facal ervce [1]. Heg (2001 made aaly of the recprocal effect betwee e-commerce ad facal ytem from three perpectve. He beleved that the rapd developmet of e-commerce would be boud to brg ovatve ISSN: 2005-4246 IJUNESST Copyrght c 2015 SERSC
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 product ad commercal opportute for ervce to the bak, ad the facg actvte baed o e-commerce platform were feable [2]. Corg (2001 put that B2B e-commerce actvte would provde coveece for developg mmedate facg o that e-buema could ally wth facal orgazato lke bak to develop ew ervce uch a credt maagemet, facg ad dpute ettlemet [3]. Compared wth tudy abroad, Cha tarted up late th area. However, may cholar reearched the upply cha facg model, whch were baed o B2B, whch ft the curret tate of Cha o the ba of ome typcal cae. They alo made deep aalye of advatage ad extg rk of the model. L Mgru (2007 put up forward that t would mprove the tate of SME facg Cha f we could develop upply cha facg actvte through the thrd-party e-commerce platform [4]. Zhag Qag (2007 frtly raed the electroc warehoue recept, whch would acheve the tegrato of e-commerce ad pledge by warehoue recept. He alo aalyzed the reao, operato ad beeft of that model [5]. Wu Qag (2011 explored problem ole upply cha face baed o thrd-party B2B e-commerce platform ad poted out the cotructo of compreheve upportg mecham hould be accelerated [6]. L Wejao (2011 et out from the aaly of ole upply cha face model whch were baed o thrd-party B2B platform ad arrved at the cocluo that thee ew model would effectvely reduce the bak credt rk brought by facg to the SME [7]. Tao Qag (2012 made a prelmary aaly of logtc facg model that wa baed o thrd-party B2B e-commerce platform ad the etablhed a rk dex ytem to delver a compreheve evaluato of rk that bak would face [8]. He Jua (2010 put up forward the cocept of cloud warehoug, a ovatve upply cha facg ervce, ad he troduced t operato mode [9]. Guo Jue, Sh Jzhao, et al. (2014 made a deep aaly of evoluto ad rk elemet of ole upply cha face model that were baed o thrd-party B2B by theoretcal tudy ad comparatve tudy. They foud that although ole upply cha face had mproved a lot collaboratve operato ad ervce effcecy, becaue of the charactertc of e-bue ad ole operato, the rk that bak were cofroted wth creaed o the whole. Accordg uch tuato, the author propoed ome uggeto for bak rk cotrol from dfferet perpectve [10]. A t ha bee metoed above, Cha the tudy of ole upply cha face baed o thrd-party B2B platform tll at a early tage. Scholar maly cocetrate o the ummarzato ad aaly of t cocepto ad model ad do lttle the tudy of rk cotrol. Amog the varou rk that bak face, rk uch a operatoal rk, market rk ad legal rk ca be cotrolled by mea of proce deg ad cotact tem. However, the precauto of credt rk tll rema a a key pot a well a challege rk cotrol for bak. Therefore, th paper wll am at the credt rk evaluato of ole upply cha face ad develop reearche, cludg the choce of evaluato method, the etablhmet of the dex ytem, the evaluato proce ad aalye of umercal example. 2. Evaluato Method ad the Choce of Idex 2.1. Choce of Evaluato Method The maagemet method of credt rk for commercal bak maly clude ratg method, gradg method ad expert ytem [11]. I practce, the wdely ued credtg ratg method clude facal rate aaly, Logt model, fuzzy compreheve evaluato, gray theory evaluato method, KMV model, Credt Metrc model ad o o. The credt rk evaluato of ole upply cha face eed to take varou quattatve ad qualtatve dce to coderato uch a corporato' facal 94 Copyrght c 2015 SERSC
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 credt, electroc credt ad the tablty of the upply cha. I addto to that, due to the defcecy credt databae of SME Cha ad rregularty of facal data SME, may evaluato model caot apply to the tuato Cha. Wth the tude over practce Cha, we ca coclude that credt ratg of ole upply cha face a typcal grey problem thu a correpodgly grey evaluato model wll be utable for that. 2.2. Choce of Idce May cholar have carred o tude over the choce of dce for SME credt ratg. Yag Xogheg ad Yag Zheda (1998 ummarzed corporato' compreheve dce of varou orgazato uch a the Mtry of Face of PRC, Natoal Bureau of Statc, Natoal Commttee for Ecoomc Sytem Reform ad the Chee Corporato Evaluato Ceter of the Maagemet World. The through the Delph method, they etablhed twelve wdely accepted dce [12]. Fa Boa ad Zhu Web (2003 delvered theory electo ad emprcal tudy over SME credt ratg dce. Through the ubordato aaly, correlato aaly ad dcrmato aaly, they elected fftee SME credt ratg dce, comprg a compreheve evaluato coverg varou ablte of SME uch a olvecy, operato, ovato, proftablty ad developmet [13]. Ya Juhog (2007 troduced the SME credt ratg dce to the credt rk evaluato of upply cha face. He further etablhed a et of credt rk evaluato dex ytem of SME upply cha face o the ba of the charactertc of upply cha face [12]. Baed o the credt ratg of upply cha face dce put up forward by Ya Juhog ad combed wth ew charactertc of ole upply cha face, th paper lt the credt record out a the ecod-cla dex ad partly adjut other dce o a to cotruct a credt rk dex ytem of ole upply cha face baed o thrd-party B2B platform a t how Table1. The dex ytem cot of four level: target level (target u, frt-cla dex level ( u, 1,2,3,4, ecod-cla dex level ( uj, 1,2,3,4 ; j 1,2,,, thrd-cla dex level ( u, 1, 2,3, 4; j 1, 2,, ; k 1, 2,, j. Amog them, refer to the amout of dce the feror cla of the dex u ad j refer to the amout of dce the feror cla of the dex u j. 3. Credt Rk Evaluato Proce of Ole Supply Cha Face 3.1. Determg Idex Weght Whle determg the weght of dex, tradtoal Delph method ad AHP (aalytc herarchy proce reled too much o the ubjectve judgmet of expert. To make the weghtg more cetfc, th paper evaluate the mportace of dfferet dce accordg to ther dcrmato ablty. That, f all the object beg evaluated catter o a pecfc dex or there a huge gap betwee evaluato value, the dcrmato degree of the dex to the evaluated object hgh, or the dex ha trog dcrmato ablty. Th paper troduce the Thel dex of equalty to meaure the dcrmato ablty of dce. Hery Thel frtly propoed the Thel dex. At frt t wa ued to meaure the degree of come equalty ad wa wdely appled tudyg ue lke the equalty of come dtrbuto ad regoal ecoomc gap [14]. The weght of dce meaured a follow. Copyrght c 2015 SERSC 95
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 Target level Credt rk dex ytem of ole upply cha face baed o thrd-party B2B platform (u Table 1. Credt Rk Idex Sytem of Ole Supply Cha Face Frt-cla dex level Idutral factor (u1 Corporate tregth (u2 Credt record (u3 Supply cha tregth (u4 Secod-cla dex level Macro evromet (u11 Pledge property (u12 Eterpre bac qualty (u21 Solvecy (u22 Operato (u23 Proftablty (u24 E-credt level (u31 Facal credt record (u32 Core eterpre tregth (u41 Supply cha compettvee (u42 Supply cha cooperato level (u43 Thrd-cla dex level Macroecoomc polcy (u111 Idutral propect (u112 Stablty of pledge prce (u121 Dpoal chael (u122 Eterpre cale (u211 Leader qualty (u212 Maagemet level (u213 Aet-lablty rato (u221 Lqudty rato (u222 Iteret cover rato (u223 Nvetory turover rato (u231 Accout recevable turover rato (u232 Curret aet turover rato (u233 Gro proft marg (u241 Retur o aet (u242 Ole regtrato tme (u311 Ole traacto umber of tme (u312 Ole traacto volume (u313 Ole credt rate (u314 Cutomer evaluato (u315 Idutral tatu of core eterpre (u411 Aet-lablty rato (u412 Gro proft marg (u413 Compettvee of product qualty (u421 Coumer atfacto of product (u422 Sutaablty of traacto (u431 Cloe cooperato of uptream ad dowtream (u432 Iformato harg of uptream ad dowtream (u433 Suppoe that we carry o credt ratg to upply cha facg corporato. There are m dce a G ( 1,2,,m wth evaluato value of them a g t ( t 1,2,,; 1,2,,m. The weght vector of dce are W (W 1, W 2,, W m wth W 0 ( 1,2,, m ad m 1 value g hould be put uder the ame dmeo. t W 1. Here we eed to otce that the evaluato 96 Copyrght c 2015 SERSC
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 : The Thel dex troduced to the matrx of evaluato (g t m a: 1 gt gt T ( l (1 g g t1 t t Where, t 1,2,, ; 1,2,, m. After the traformato, the Thel dex T of T g g l ( l g t t t1 g t1 t t1 The weght coeffcet of dex G defed a [14]: (2 W 1 T t G T (3 m T 1 Takg the dervatve of Equato (2, we get 0, T get t mmum 0 whe 1. I the evaluato, a 1, T 0. Therefore, W Equato (3 atfe the codto that W 0 ( 1,2,, m ad m 1 W 1. I th way, the weght of dce o dfferet level wll be ettled from the bottom level (thrd-cla dex level to the top level (frt-cla dex level repectvely. 3.2. Evaluato Proce 3.2.1. Determe the Gradg Stadard: Whe ratg accordg to the gradg tadard, we coder huma maxmum dcrmato ablty ad core by 1,2,3,4,5 (pot wth the mddle pot betwee every two of them a 1.5,2.5,3.5,4.5 (pot. 3.2.2. Expert Grade ad Cotruct the Sample Matrx of Gradg: Suppoe vte p expert to grade a SME wth equece of expert marked by y where y1,2,3,, a follow: p. The expert y grade the dex u at d y, the the gradg matrx d d d u d d d u d d d u Dd d d u d d d d d d d d 1111 1112 111p 111 1121 1122 112 p 112 1211 1212 121p 121 2111 2112 211p 211 y (2233325323 p 4111 4112 411p 411 4331 4332 433 p 433 (d 3.2.3. Determe the Evaluato Grey Clafcato: Expert gve the whteed value of the grey umber after gradg. To reflect the degree to whch the whteed value belog to a pecfc cla, we eed to determe the evaluato grey clafcato. That, to determe the umber of the evaluato grey clafcato, the grey umber of grey clafcato ad the whtezato weght fucto [15]. (4 Copyrght c 2015 SERSC 97
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 Suppoe there are h evaluato grey clae, umbered a ee, 1, 2,, h. Th paper uppoe the evaluato grey clae of the loa eterpre the ole upply cha face are fve a h 5. Thee fve clae are labelled a excellet, ub-excellet, good, relatvely poor, ad poor, correpodgly gradg by 5,4,3,2,1. O the ba of that, we the determe the whtezato weght fucto ad decrbe thee grey clae (the threhold value of the fucto adopt the comparatve value, whch mea to take the maxmum ad mmum value the matrx a the upper ad lower lmt for the threhold. For the frt grey cla excellet ( e 1, the grey umber 1 0,5,10, the whtezato weght fucto expreed a: dy 5 dy 0,5 f1(d y 1 dy 5,10 (5 0 dy 0,10 For the ecod grey cla ub-excellet ( e 2, the grey umber 2 0, 4,8, the whtezato weght fucto expreed a: dy 4 dy 0,4 8 dy f2(d y dy 4,8 (6 4 dy 0,8 0 For the thrd grey cla good ( e 3, the grey umber 3 0,3,6, the whtezato weght fucto expreed a: dy 3 dy 0,3 6 dy f3(d y dy 3, 6 (7 3 dy 0,6 0 For the fourth grey cla relatvely poor ( e 4, the grey umber 4 0,2,4, the whtezato weght fucto expreed a: dy 2 dy 0,2 4 dy f4(d y dy 2, 4 (8 2 dy 0,4 0 For the ffth grey cla poor ( e 5, the grey umber 5 0,1, 2, the whtezato weght fucto expreed a: 98 Copyrght c 2015 SERSC
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 1 dy 0,1 2 dy f5(d y dy 1, 2 1 dy 0,2 0 3.2.4. Calculate the Grey Evaluato Coeffcet: Defe that the evaluato coeffcet of the No.e cla that dex u belog to x e, the: x p e e y y1 (9 f (d (10 Defe that the total evaluato coeffcet of each grey cla that dex u belog to x, the: x 5 x (11 3.2.5. Calculate Grey Evaluato Weght Vector ad the Weght Matrx: Defe that for dex u, the evaluator hold that the grey evaluato weght of the No.e grey cla r e, the: r e1 x e e e (12 x The evaluato weght vector of dex u to each grey cla r (the grey clae are fve a h 5, or e 1,2,,5, the: r r, r, r, r, r (13 1 2 3 4 5 The we ca get the evaluato weght matrx dex u j to each grey cla: R j rj1 rj11 rj12 rj15 r j2 rj21 rj22 r j25 rj r j jj1 rj j 2 r jj 5 R j of ubordate dex u (of the 3.2.6 Determe the Weght of Idce Each Level: To complete agmet of grey clae accordg to the grey level a the frt cla aged a d 1, the ecod cla a d 2,, the No.h cla a d h. I th cae, h 5, d1 5, d2 4, d3 3, d4 2, d 5 1, the vector C a a value of each evaluato grey cla : C 5,4,3,2,1 (15 The evaluato value of dex u of the evaluated corporato g, the: g r C (14 T (16 g accord to g t Equato (1. The weght of the thrd-cla dce ca be obtaed after ug the Equato (1-(3, the weght of the ecod-cla dce ca be got after Equato (17 ad the weght of the frt cla dce ca be got after Equato (19 wth mlar method: take the compreheve evaluato value of a level of dce Copyrght c 2015 SERSC 99
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 (uformzato eeded ad ue Equato (1-(3 to determe the weght dtrbuto of dce at that level. Brefly peakg, the weght of dce at each level gve a follow: Suppoe that the weght dtrbuto of the frt-cla dex a 1,2,3,4 u (there are four frt-cla dce th tudy, the the weght vector W a, a, a, a ; the weght vector of the ecod-cla dex 1 2 3 4 uj 1,2,3,4; j 1,2,, 1, 2,, W a a a ; the weght vector of the thrdcla dex u ( 1, 2,3, 4; j 1, 2,, ;k 1,2,, j j j1, j 2,, j j W a a a. 3.2.7. Make a Compreheve Evaluato: The reult of the compreheve evaluato of u j B j, the: Bj Wj Rj (17 O the ba of B j, we cotruct the evaluato weght matrx R of ubordate dex u j of the dex u : B1 B 2 R (18 B The reult of the compreheve evaluato of u B, the: B W R (19 O the ba of B, we cotruct the evaluato weght matrx R of ubordate dex u of the dex u : B1 B 2 R (20 B4 The reult of the compreheve evaluato of u B, the: B W R (21 3.2.8 Uformzato ad Sequece of the Evaluato: To make t coveet for pecto ad deco makg, the reult of the evaluato eed to be further uformzed. A the vector C ha bee troduced tep 6, here we wll ot redefe. After uformzato, the evaluato value of the evaluated corporato : T S B C (22 4,5 S 3,4, the If S, the credt of that corporato belog to excellet ; f credt of that corporato belog to ub-excellet ; f S 2,3, the credt of that corporato belog to good ; f S 1,2, the credt of that corporato belog to relatvely poor ; f S 0,1, the credt of that corporato belog to poor. 100 Copyrght c 2015 SERSC
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 4. Aalye of Numercal Example A bak receve the ole upply cha facg applcato from three corporato. Fve profeoal from the credt departmet charge of rk cotrol the grade thee (1 (2 (3 three corporato accordg to the dex ytem. The matrxe are D, D, D a how Equato (23. A 32 (1 u32 4.0 3.5 3.0 3.5 4.5 2.0 2.5 3.0 3.0 2.5 3.0 2.5 2.5 2.0 2.5 3.0 4.5 5.0 3.5 4.0 3.0 3.0 2.5 2.5 3.0 2.5 3.0 3.5 3.5 3.0 2.0 1.5 2.0 2.5 1.5 3.0 3.5 3.5 2.5 3.0 2.0 2.0 1.5 2.0 2.5 2.5 3.0 3.0 2.5 2.5 4.0 3.0 3.5 3.5 3.0 2.0 2.0 1.5 2.5 2.0 3.0 3.5 4.0 4.0 3.5 1.0 0.5 1.0 1.5 1.0 3.0 3.5 3.0 3.0 3.5 2.0 1.5 2.0 2.0 3.0 3.0 3.0 3.5 3.0 2.5 4.0 4.5 4.0 2.5 4.0 5.0 4.5 4.0 4.0 5.0 4.0 4.5 3.0 3.5 4.0 2.0 2.5 3.0 3.0 2.5 2.0 2.0 1.5 2.0 2.0 3.0 3.5 3.0 3.5 3.5 3.5 3.5 3.5 4.0 3.5 3.0 3.5 4.0 4.0 3.5 3.0 3.5 4.0 3.5 3.0 2.0 2.5 2.5 3.0 2.0 2.0 2.5 3.0 3.0 3.0 3.0 3.0 3.5 4.0 3.5 3.0 3.5 3.0 3.0 3.5 4.0 4.5 5.0 5.0 4.5 3.0 3.0 3.0 3.0 3.5 2.5 3.0 2.5 2.5 2.5 3.0 3.5 3.5 3.5 4.0 2.0 2.5 2.5 3.0 3.0 1.5 1.0 1.0 2.0 1.5 4.0 3.5 3.5 3.5 3.0 2.0 2.0 3.0 2.5 2.0 2.0 2.5 2.0 2.0 2.5 (1 4.0 4.0 3.5 4.0 4.0 (2 4.0 3.0 3.5 3.5 3.5 ( 3 3. D D D 3.0 3.5 3.5 3.5 4.0 3.0 3.5 4.0 4.0 4.0 0 3.5 3.5 3.0 3.0 4.0 4.0 3.5 4.0 3.5 1.5 1.5 1.5 1.5 1.5 3.0 3.0 3.0 3.0 3.0 4.0 4.0 4.0 4.0 4.0 2.0 2.0 2.0 2.0 2.0 3.5 3.5 3.5 3.5 3.5 3.5 3.5 3.5 3.5 3.5 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 3.0 2.0 2.0 2.0 2.0 2.0 3.0 3.0 3.0 3.0 3.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.0 5.0 5.0 5.0 5.0 5.0 4.0 4.0 4.0 4. 0 4.0 3.5 3.5 3.5 3.5 3.5 3.0 2.5 2.5 2.0 2.0 4.0 4.5 4.0 4.0 4.0 4.0 4.5 4.5 5.0 5.0 2.0 1.5 2.0 2.0 2.5 3.5 3.5 3.0 3.0 3.0 2.5 2.5 3.0 3.0 3.5 3.0 3.5 3.5 3.5 3.0 2.0 2.5 2.5 3.0 3.0 3.0 3.0 3.5 3.5 3.5 1.0 1.5 1.5 1.0 1.5 2.5 3.0 3.0 3.0 3.0 3.0 3.5 3.5 3.0 3.0 2.0 2.0 1.5 1.5 2.0 3.0 3.0 3.0 3.0 3.5 3.5 3.0 3.0 3.0 3.5 4.0 4.0 4.5 4.0 4.5 3.0 3.5 3.5 3.5 3.5 2.0 2.5 2.5 2.5 2.0 3.0 3. 0 3.0 3.0 3.5 3.0 3.5 3.0 3.0 2.5 2.0 2.0 2.0 2.0 2.5 4.0 3.5 3.5 3.5 3.5 2.0 2.0 2.0 2.5 2.5 2.5 2.5 3.0 3.0 3.0 u doe ot have a thrd-cla dex, t gradg lted out: D 5 5 5 5 5 ; (3 D 5 5 5 5 5 ; 5 5 5 5 5 (2 u 32 D. Wth the method troduced th paper (the detal of calculato omtted due to the lmted legth, the evaluato value of the three corporato are raked a: (3 (2 (1 (3 (2 S S S, ad S 3.024 "ub-excellet"; S 2.789 "good"; (1 S 2.695"good". Therefore, the bak wll coder gvg the loa the equece a: corporato 3, corporato 2, ad corporato1. Through mult-level evaluato, we ca get the compreheve evaluato value of dce o dfferet level a Table 2. O the ba of the evaluato value of dce, bak ca focu o the dex wth hgh rk thu to pay more atteto ad maly cotrol practce. I the followg table, we take corporato 3 wth the hghet target compreheve evaluato value a a example. Id ex u u Table 2. The Summary Sheet of Evaluato Value o Dfferet Level of Corporato 3 Evaluato value 3.024 (ubexcellet Ide x u u 1 Evaluato value 3.224 (ubexcellet Ide x u j u 11 u 12 Evaluato value 3.429 (ubexcellet 3.078 (ubexcellet u32 Ide x u u 111 u 112 u 121 u 122 Evaluato value 3.323 (ub-excellet 3.570 (ub-excellet 3.078 (ub-excellet 3.078 (ub-excellet (23 Copyrght c 2015 SERSC 101
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 u 2 u 3 3.363 (ubexcellet 3.925 (ubexcellet u 21 u 22 u 23 u 24 u 31 u 32 3.617 (ubexcellet 3.651 (ubexcellet 2.865 (ubexcellet 3.658 (ubexcellet 3.925 (ubexcellet 4.320 (excellet u 211 u 212 u 213 u 221 u 222 u 223 u 231 u 232 u 233 u 241 u 242 u 311 u 312 u 313 u 314 u 315 3.606 (ub-excellet 3.917 (ub-excellet 3.362 (ub-excellet 3.817 (ub-excellet 3.284 (ub-excellet 3.606 (ub-excellet 3.362 (ub-excellet 2.587 (good 3.202 (ub-excellet 3.606 (ub-excellet 3.932 (ub-excellet 4.054 (excellet 3.762 (ub-excellet 3.117 (ub-excellet 4.054 (excellet 3.762 (ub-excellet u 411 4.203 (excellet 3.970 3.485 (ub-excellet u u 41 (ubexcellet 3.656 (ub-excellet 412 u 413 3.606 (ub-excellet 3.637 3.606 u 421 (ubexcelleexcellet u 422 u u 42 (ub- 4 3.606 (ub-excellet 3.243 (ub-excellet u 431 3.289 3.160 (ub-excellet u 43 (ubexcellet u 432 3.437 (ub-excellet u 433 It ca be ee from Table 2 that dce u 311, u 314, u 411 of corporato 3 belog to the excellet grey cla. The three dce repectvely accord wth ole regtrato tme, ole credt rate ad dutral tatu of core eterpre, whch dcate thee 102 Copyrght c 2015 SERSC
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 three dce are the afety dce for the corporato. Idex u 232 belog to the good grey cla, ad the lowet amog all dce, whch dcate that accout recevable turover rato the rky dex for the corporato. Therefore, the bak hould pay atteto to the motorg ad precauto of that dex after decdg to gve loa to corporato 3. 5. Cocluo Baed o Cha practce, th paper, we gve a thorough aaly o the credt rk evaluato of ole upply cha face baed o thrd-party B2B e-commerce platform. Three are three ma cotrbuto of our reearch: (1 Wth referece to the charactertc of ole upply cha face, we etablh a credt ratg dex ytem for the loa eterpre the ole upply cha face that baed o the thrd-party B2B e-commerce platform. (2 Apply the mult-level gray evaluato model baed o the Thel dex to make a compreheve evaluato o the credt of the loa eterpre. (3 Tet the model feablty through the aalye of umercal example. Meawhle, the propoed evaluato model ha ome typcal advatage a follow: (1 Overcome the ubjectvty of wegh dtrbuto to dce. (2 Preet the degree (from excellet to poor of dce o each herarchy dtctly o a to eable bak to take rk cotrol pecfcally operato. (3 The effcecy of the evaluato model ca be ealy ehaced through algorthm deg, ad the practcal applcato value of the model hgh. Ackowledgemet Th reearch wa upported by the Fudametal Reearch Fud for the Cetral Uverte (Grat No. kz2014010, Natoal Natural Scece Foudato of Cha (Grat No.71473193. Referece [1] M. J. Cro, Bakg ad Face o the Iteret, Joh Wley & So, (1997. [2] M. S. H. Heg, Implcato of E-commerce for Bakg ad Face, Vrje Uvertet, (2001. [3] O. Corg, Deco Rule for Partcpatg B2B Exchage, Corporate Executve Board, (2011. [4] M. R. L, Supply Cha face, Mater Degree Dertato, Bejg Jaotog Uverty, (2007. [5] Q. Zhag, Study of Itermedary B2B Operato Mode, Mater Degree Dertato, Taj Uverty, (2011. [6] Q. Wu ad H. Zhag, E-commerce Servce Baed o B2B Platform, Cha Bue & Trade, vol. 36, (2011, pp. 110-111. [7] W. J. L ad H. W. Ma, Aaly of Supply Cha Facg Baed o the B2B E-commerce, Scece- Techology ad Maagemet, vol. 13, o.4, (2011, pp. 68-72. [8] Q. Tao, Logtc Facal Bue Model ad Rk Maagemet Baed o Thrd-party E-commerce Platform, Mater Degree Dertato, Zhejag Normal Uverty, (2012. [9] J. He ad Y. H. She, The Defto of Cloud Muter Warehoue, Joural of Bue Ecoomc, vol. 7, (2012, pp. 5-13. [10] J. E. Guo, J. Z. Sh ad Z. X. Wag, Mode Evoluto ad Rk Maagemet of the Ole Supply Cha Face, Joural of Bue Ecoomc, vol. 1, (2014, pp. 13-22. [11] P. Cheg, C. F. Wu ad W. B. L, Method of Credt Rk Meauremet ad Maagemet, Joural of Idutral Egeerg ad Egeerg Maagemet, vol. 16, o. 1, (2001, pp. 70-73. [12] X. S. Yag ad Z. D. Yag, Study o Idex of Compreheve Evaluato of Eterpre, Facal Stude, vol. 5, pp. 19-21. [13] B. N. Fa ad W. B. Zhu, Chooe Credt Evaluato Idexe of Small-medum Eterpre, Scece Reearch Maagemet, vol. 24, o. 6, (2003, pp. 83-88. [14] S. Y. Zhag, J. C. Xu ad D. J. L, Grey Evaluato o Corporate Veture Captal Project Baed o the Thel Idex, Sytem Egeerg Theory & Practce, vol. 31, o. 11, (2012, 2052-2059. [15] S. H. Hu, Subjectve Aemet Model of Multlevel Grey Evaluato Method, Sytem Egeerg Theory & Practce, vol. 1, o. 1, (1996, pp. 12-20. Copyrght c 2015 SERSC 103
Iteratoal Joural of u- ad e- Servce, Scece ad Techology Vol.8, No.5 (2015 Author Jzhao Sh, he receved h bachelor degree of maagemet Southwet Jaotog Uverty, (2013 ad he ow a PhD tudet the chool of maagemet of X a Jaotog Uverty. H cetfc teret teret face ad upply cha face. He ha publhed more tha 5 paper, cludg 1 paper dexed by EI. Ju e Guo, he receved h doctor degree of maagemet X a Jaoto Uverty, (2001 ad he a profeor chool of maagemet of X a Jaotog Uverty, ad alo the head of departmet of maagemet cece. Her cetfc teret facal egeerg ad he ha publhed more tha 150 paper, cludg more tha 25 paper dexed by EI or SCI. Shub Wag, he receved h bachelor degree of face Najg Uverty of Aeroautc ad Atroautc, (2009 ad mater degree of maagemet Shaax Normal Uverty, (2013. Now he a PhD tudet the chool of maagemet of X a Jaotog Uverty. H cetfc teret eergy ecoomc ad rk maagemet. He ha publhed more tha 10 paper, cludg 1 paper dexed by SCI. Zhahao Wag, he a PhD tudet the chool of maagemet of X a Jaotog Uverty. H cetfc teret hadow bakg ad facal rk maagemet. He ha publhed more tha 2 paper. 104 Copyrght c 2015 SERSC