Creditability assessment of dealers in P2P e-commerce

In the context of swift development of P2P e-commerce, it is critical to defending both customers and sellers from being victimized by probable deception stemming from uncertainties, vagueness and ambiguities that characterize the interactions amongst unfamiliar dealers. Accordingly, credit standing concerning each business partaker plays a decisive part in preventing fraud in P2P transactions and has evolved into a major determinant of wielding restrictions on further expansion of the e-commerce sector in China Mainland. This paper is aimed at reputation assessment of an individual trading entity specializing in P2P e-commerce. The paper presents a hierarchy framework which prompts an unwinding of faced uncertainties and resorts to AHP for resolving the proposed model. On this underpinning, we, coupled with the credit rating scale, have carried out an estimation of the index value and credit rank for three e-participants. The results have valuable implications for risk management arising P2P activities and establishment of a trustworthy community productive to P2P progress. This paper concludes with pointing out future research.