C2C Model E-Commerce Credit Evaluation Model Based on Artificial Intelligence

Abstract

The development of network computer technology and artificial intelligence technology promotes the generation of software agents. However, online shopping has inherent information asymmetry due to the anonymity and liquidity of C2C (Customer to Customer) transactions. In the virtual environment, buyers cannot see the physical products, and they do not experience online shopping in person. They can only select products through the seller’s pictures and descriptions. After payment, there may be some problems, such as sending the wrong product, the seller does not deliver the goods after receiving the goods, or the seller does not receive the payment after delivery, etc. Therefore, the credit problem is the bottleneck for the development of online shopping business. Therefore, in order to ensure the transaction security of buyers and sellers, major C2C online trading platforms at home and abroad have established a credit evaluation mechanism. However, due to the reliability of e-commerce technology, the legal environment of e-commerce, the ethical environment of e-commerce, and the problems of existing credit evaluation indicators. The development of e-commerce in China is very slow. Therefore, actively exploring the credit model of Chinese e-commerce is of great significance to promoting the development of Chinese market economy. In this paper, AI technology analyzes the credit evaluation management method of C2C e-commerce website for transaction participants. This paper summarizes some key factors that affect the establishment of C2C credit, and further finds that there are some problems in the credit evaluation model involved in the e-commerce process. These problems stem from the inability to properly deal with the current development of e-commerce in China. There are problems with its evaluation system and honest transaction process. In order to better promote the development of e-commerce, in view of the above problems, this paper proposes a new model of C2C e-commerce credit system based on the game theory model of e-commerce buyers and sellers of AI technology, and further improves the evaluation model and related measures to completely solve the problem. Credit value generally shows a growth trend, but the trend is not obvious.