Abstract
In view of problems such as lack of dynamism, limited research subjects, and lack of future development trends in previous studies, the paper takes small and microenterprises (SMEs) as research objects under the background of e-commerce supply chain finance. Based on the perspective of dynamic rewards and punishments, credit rewards and punishment value and time weights are embedded in the static evaluation results obtained by the traditional TOPSIS method. The Grey relative analysis method is used to reflect the development trend of enterprises’ credit and to build the traditional TOPSIS model and the credit risk evaluation model of e-commerce supply chain finance of SMEs by the improved TOPSIS method based on the dynamic perspective of rewards and punishments. Finally, the model is applied to SMEs credit risk evaluation of e-commerce supply chain finance to verify the feasibility and rationality of the model.
Highlights
With the gradually deepening development of the Internet information technology, the rapid rise of e-commerce, and supply chain finance turning from offline to online, e-commerce platform has carried on the combination of supply chain finance and platform
Based on the problems of the index system in previous studies not being fully applicable to the credit evaluation of e-commerce small and microenterprises (SMEs), and the evaluation method not dynamic enough, this article is based on the dynamic perspective of rewards and punishments in the traditional TOPSIS method on the basis of the static credit evaluation, in combination with disciplinary value factor, the time factor, and the future development of credit, using improved TOPSIS method to building a small microenterprise credit evaluation model based on dynamic perspective and applies the model in the e-commerce supply chain financing small microenterprise credit evaluation
With the rapid development of the Internet and the rapid growth of the number of e-commerce SMEs, it is far from enough to rely only on cumulative buyer evaluation for credit evaluation. is paper takes e-commerce SMEs as the research object and constructs a credit evaluation index system for e-commerce SMEs
Summary
With the gradually deepening development of the Internet information technology, the rapid rise of e-commerce, and supply chain finance turning from offline to online, e-commerce platform has carried on the combination of supply chain finance and platform. Based on the problems of the index system in previous studies not being fully applicable to the credit evaluation of e-commerce SMEs, and the evaluation method not dynamic enough, this article is based on the dynamic perspective of rewards and punishments in the traditional TOPSIS method on the basis of the static credit evaluation, in combination with disciplinary value factor, the time factor, and the future development of credit, using improved TOPSIS method to building a small microenterprise credit evaluation model based on dynamic perspective and applies the model in the e-commerce supply chain financing small microenterprise credit evaluation. E structure of the rest of the article is as follows: Section 2 elaborates construction of the credit evaluation system for e-commerce SMEs, Section 3 describes construction of the dynamic credit evaluation model, Section 4 gives a description of case application and comparative analysis, and Section 5 concludes the study
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