1、The Integrity ofE-commerce Market 一 .Chinese E-commerce performance of the Credit Crisis Use of electronic commerce transactionswill inevitablyrelated tocreditand paymentissues. E-commercepaperlessandno address onthepartiesinvolved in the transaction,thehighercreditrequirementsinthetransitionofChine
2、se society,traditionalmoral principlesof socialvalue systemconstraintisincreasinglyweakened,basedontherule of lawbased on thecontractualsociety is far from being formed. the conceptofcreditisveryweakintheeyesofmany people,therefore,to givee-commercecloselymatchingthemeans of paymenthasbroughtalotofa
3、dverse effectsdomestice-commerce transactions, theirmeans of paymentisTuyangjiehe. Mixed-use credit card,debitcard,debit card,postal remittanceandcash on deliverypayment methods,and some are evenusing the online inquiry, onlinemethods of trading,although some banks began toonline payments andopen on
4、-linebankingandotheraspects oftheexperimental work,but intheChinesecredit systemis stillimperfect, thepowerofbanksaloneis difficult to solvethis problem.Moreover,duetopoortrustbetweenpeople,very few peoplearewillingtorushthroughthenetworkin the form oftheir owncredit card numbersandotherpersonal inf
5、ormationto tellbusinesses,becauseall too easy tooccurcan not imaginea serious problem. Majority ofenterprisesengaged ine-commerce,have opted forcash on deliveryso thatamore reliablewayto solvetheproblemofdistrust betweenthepaymentofthepurchase price,but the ultimate goalofe-commerceactivitiesis tofa
6、st,convenient,secure transactions,andrationalizethe use of fundsandthe flow of goods. If westillfollow the traditionaltransactionmethods,the use of cashpaidtothe implementation of onlinetransactions,is bound torestrictthescale of operationoftheenterprisee-commerce,and contrary to theoriginalintentio
7、nofthee-commerce activities. Acts of dishonesty in the e-commerce part of the general performance in the following aspects: 1. the quality of the goods distortion Consumer use of e-commerce website online shopping, have a safe, convenient, and many other advantages, but based on consumer feedback th
8、rough the online purchase of goods is often less than the consumers psychological expectations, there is the phenomenon of shoddy. For example, the author frequently on Taobao shopping, goods often see on the website picture style is very attractive, very beautiful picture production, but wait until
9、 after the purchase of goods delivered to their own hands when it found the picture difference between the kind and website even, feeling very worth it. Goods distortion, is the phenomenon of the existence of e-commerce online shopping is a very serious dishonesty. 2. Goods missing Consumer complain
10、ts of online shopping, consumers online payment, but can not receive the goods a few complaints, this set v. phenomenon can be divided into the following specific circumstances: (1)logistics aspects of a problem, the seller could not be goods； (2)buyer malicious lie to the goods； (3)seller fraud. 3.
11、 Credit Card Fraud E-commerce payment and settlement, you need the close cooperation of the electronic financial system, and security issues are ignored, consumer credit card can be stolen. 二 .Two Deep-level inquiry of the integrity of the two Chinese e-commerce 1. Network media information asymmetr
12、y Attention and study ofthis phenomenonofinformation asymmetryas early asthe1970s,20bytheUniversity of CambridgeProfessorJamesMorris(James Mirleees) andColumbia UniversityProfessorWilliamVickreynetwork, Liam ofVicketwoeconomists, aftermore than 30 years, thetheoryofasymmetric informationin economic
13、activitiesmore and morerecognition oftheoutstanding contributionofthesetwoeconomistsawarded theNobelPrize in Economicsin1996. means that thetheoretical systemto finish,itprovidesa newperspectiveto a market economy. information asymmetryrefers to theparties to the transactionthere is alwaysa partycan
14、 only getincomplete information. studies have shown thatoftwoeconomists: asymmetric informationis widespreadinmarket economy, reducing theconfidenceoftraders, raise transaction costs, toproduceinferiorquality productof thedestructive effects ofthe expulsion ofthe industry as a whole. e-commerceis a
15、new thingand its essence isa newtrading patternsand means: through the networkcompletebusiness activities.itsroleinadditiontocreatinganewonlinevirtual enterprise, mainly reflected in thecomprehensive transformationofitstraditional industries, e-commerce applicationspublished on the Internetto speed
16、upthe awareness levelofthepublicin order to savetransaction costs, but comparedwiththe traditional business activities, information asymmetriesthat existinthee-commerce, not less, but moreandmore complex. I believe thattheinformation asymmetryinthefollowinge-commercelinksthevariousacts of dishonesty
17、directlyreasons. (1). Between the consumer and business websites pre-contractual information asymmetry Information economics goods into search goods and experience goods. In general, the relevant characteristics of the commodities by the time of purchase, touch, weigh and inspection to identify the
18、goods to search goods, those who need to use after a period in order to identify and understand their characteristics of goods as experience goods. For example: the flowers in the traditional trading is typical of search goods, before making a purchase, we can see the color of flowers and shiny, sme
19、ll the flowers, flower picking time by the moisture content of judgment. Shopping links in e-commerce, almost all commodities have become experience goods. Flower pictures on the website, consumers can get information only varieties of flowers and color, aroma, picking time and the number of flowers
20、 and other information simply will not understand, or that access to information is too costly (to configure the aromatic recognition system ). This allows the seller in a good position, and consumers in the information asymmetry, the seller shoddy become possible. Because of this asymmetric information before signing, so called pre-contractual information asymmetry. (2). Information asymmetry between consumers and Web site after signing
