摘要
文中以淘宝贷款的信用问题为研究对象,分析目前淘宝贷款存在的问题;借鉴商业银行的做法,结合淘宝贷款的特点,选择合适的信用评价指标,以层次分析法为主要研究方法,构建不同贷款产品的信用评价体系,划分信用等级并提出商家授信额度的测算方式,为完善淘宝贷款的信用体系提供可行性方案。
This paper takes the credit problems of Taobao loans as the research object to analyze the current problems of Taobao loans. Drawing lessons from the practices of commercial banks, combining with the characteristics of Taobao loans, and selecting the appropriate credit evaluation index, this paper takes AHP as the main research methods to establish different credit evaluation systems of loan products. It divides credit rating and puts forward the calculating method of business credit line, so as to provide a feasible scheme for the perfection of the credit system of Taobao loan.
出处
《物流工程与管理》
2015年第2期69-71,共3页
Logistics Engineering and Management
