In the electronic Commerce environment, the enterprise no longer subject to the region, the time limit, relies on the network transaction platform to complete the business activity, the transaction efficiency of the enterprise enhances obviously. From the characteristics of E-commerce, "business" is the essence of "electronic" is the means. With the rapid development of electronic commerce and the huge expansion of trading volume, the limitation of this transaction mode is becoming more and more prominent, among which, credit problem has become one of the bottlenecks restricting business-to-business e-business.
Predicament one: The transaction subject's information disclosure is not sufficient. Unlike the traditional "one-hand-pay-for-one" commodity trading model, e-commerce is a kind of fictitious and non-contact commercial economic activity. Enterprises to find business opportunities through business-to-business websites, the prerequisite to complete the transaction is to fully understand the commodity and the Trading Body (enterprise) information. At present, most of the domestic business-to-business Web site merchandise information is very comprehensive, and according to the category of systematic, detailed, pictorial-style division. Enterprises can quickly and easily access to commodity information, including origin, variety, grade, price and so on. However, the Business-to-business website is not sufficient for the supplier of the commodity, that is, the subject of the transaction. In order to avoid the transaction risk, the enterprise probably needs to pay the time even the money, the on-line understanding transaction main body's basic information, thus seriously affects the business-to-business transaction efficiency.
Dilemma Two: The website to the member's credit attestation lacks the authority and the justice. At present, the majority of business-to-business Web sites adopt the Membership development model, the main source of income is still the enterprise pay membership fees. In order to guarantee the security of the transaction, some domestic famous business-to-business websites try to introduce the credit authentication mechanism for the member enterprises. However, the website itself to carry out the credit certification services, its authority and impartiality is difficult to protect. On the one hand, the credit certification without third-party neutral institutions, lack of supervision strength, the establishment of the standard of authentication is more arbitrary; on the other hand, the domestic business-to-business Web site competition is more and more fierce, has not yet launched business-to-business business has become the target of major sites, in the "credit" standards to measure the fate The word on the head of the Business-to-business Web site is likely to be a fluke, access to unqualified enterprises. In summary, the introduction of neutral third-party institutions to cooperate in credit certification, is a business-to-business Web site to break through the difficulties of the effective way.
Difficult three: Credit certification can not be more than a common website. The above mentioned credit certification, more with the Business-to-business website of its own member business bundle, the enterprise through a website credit certification, and then to B site registration, certification results are not recognized. At present, the electronic commerce industry does not form a standardized certification mechanism, the authentication results between the major business-to-business websites are incompatible, not shared, not universal, not only raise costs, waste resources, and increase the workload, seriously hindered the credit construction of E-commerce. In view of this, the entire industry needs a third-party platform to provide support, to ensure the integrity and transparency of business-to-business member enterprises, and to achieve the interoperability and sharing of certified information.
Predicament four: The timeliness of electronic commerce credit authentication is weak. Online business-to-business E-commerce platform users include both buyers and sellers, user quality directly affects the success rate of on-line transactions. Unlike traditional business activities, business-to-business E-commerce displays a large amount of information, dynamic and real-time transaction characteristics. But the reality is, the enterprise through the Business-to-business website provides the credit attestation, then may enjoy the member service in the stipulation time, even if the Midway Enterprise's business situation or the credit condition changes, the Business-to-business website operator also is very difficult to realize. Visible, for business-to-business e-commerce real-time characteristics, its credit files should also be strict timeliness, and in accordance with the changes in the member enterprises in real-time tracking, monitoring, timely updating of credit files to ensure that Business-to-business network transactions safe and efficient.