With the fast evolution of e-commerce, it is getting harder for traditional credit management systems to service online businesses with diversified needs in dynamic scenarios. This paper studies the nature of cyber credit from the perspective of social capital. We propose the credit assessment model using social capital variables extracted from the reputation system of an e-commerce platform and the associated online social network. In addition, we consider the dynamic and diversified effects of online reputation on sellers’ cyber credit, and we verify the rationality of the credit assessment model through analyzing the relationship between cyber credit and social network variables. We take Alibaba C2C e-commerce market as our experimental study platform and use the social networking information from Sina’s microblogging services. We find that social capital variables can be used to effectively measure the cyber credit of online sellers in C2C businesses.
['Kun Liang', 'Cuiqing Jiang', 'Zhangxi Lin', 'Weihong Ning', 'Zelin Jia']
The nature of sellers’ cyber credit in C2C e-commerce: the perspective of social capital