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標題: | 網路時代商務VCC、風險分析與信賴保證之研究 The VCC, Risk Analysis, Trust Assurance of Commerce at Internet Era |
作者: | I-Chiao Chiu 丘宜巧 |
指導教授: | 游張松(Chang-Sung Yu) |
關鍵字: | 價值創造循環,網路時代商務,雲端,資料庫,風險,信賴保證, Value Creation Cycle,E-Commerce,Cloud,Databases,Risk,Trust Assurance, |
出版年 : | 2015 |
學位: | 碩士 |
摘要: | 人們普遍傾向信賴傳統實體商店勝過網路時代商務,但在網路時代,全球交易電子化是發展趨勢,傳統交易模式因環境改變,已不如過去安全,而網路時代商務亦需提高信賴保證。本研究應用價值創造循環(VCC)理論,分析傳統與網路時代的商務VCC原型及其風險,再提出改善信賴保證之VCC。
本研究探討的傳統商務VCC包括兩類,一是面對面交易;其特性為一位買家對一位賣家、無固定銷售地點。二是實體商店;其特性為商店為有固定地點的賣家、賣家的商品來自多個供應商。因現代交通發達,交易的對象來自各地,彼此不一定認識,所以面對面交易的傳統商務,已難以保證交易後能追溯到有問題的商品源或人。 本研究主要探討的網路時代商務VCC包括四大類,一是資訊牆;其原型的特性為資訊牆僅展示資訊,不參與交易;風險是犯罪、詐欺與糾紛;信賴保證方法為雲端資料庫及BYOD,建立交易紀錄。二是交易平台,包括平台不經手、經手金流;風險是詐欺與糾紛;信賴保證方法為平台代收並遞延代付、以雲端資料庫紀錄連結真實身份的帳號、交易紀錄。三是獨立收付方,解決小型交易平台信譽與資源不足、為網路商店的買家代收付等問題。四是線上商店,風險是商品的生產供應鏈複雜,商店難保證售出商品的品質與安全;信賴保證方法為以雲端資料庫紀錄生產供應鏈的履歷,可追溯的原物料、各級供應商。 網路時代商務亦衍生創新服務,本研究主要探討兩大類,一是獨立收付方的商機,獨立收付方匯集眾多小型交易平台、網路商店的交易金流,與個人的往來漸頻繁,提供個人支付服務,進而成為網路金融服務提供者。二是網路時代商務的貸款,新的徵信方式基於真實交易紀錄,並或由貸款方直接撥款給賣家的供應商,確保貸款資金用於實際交易。 根據本研究分析,得到兩點結論,第一,藉由雲端資料庫紀錄交易數據,網路交易的信賴風險比傳統交易模式低。第二,網路交易構成正向循環的VCC;既有參與者以交易紀錄取信於陌生的潛在參與者,促進交易發生;並透過預防性監理、追溯依據的信賴保證,使VCC正向循環, 因信賴保證,使交易平台的營業額越多,一旦出錯,系統風險高,故建議加入保險。當交易紀錄越多,並涉及個人隱私,建議後續研究平台之治理、雲端資料庫之使用管制。亦建議研究網路商務貸款之規範,及評價發佈後的回饋方法。 People trust traditional real-store rather than e-commerce. At the era of internet, global e-transaction is the developing trend. Since the environment changes, the model of traditional transaction is not as safe as before and e-commerce needs to enhance trust assurance. The thesis applied “Value Creation Cycle (VCC)” theory to analyze the VCC, risk and trust assurance of traditional and cyber commerce. This thesis discusses two types of traditional commerce, including face-to-face transaction and offline store. The first one is face-to-face transaction. The characteristics are one buyer with one seller and no fix place for sale. The second one is offline store. The characteristics are fix place for sale, the goods of seller come from many suppliers. Because the traffic is developed well, the participants of transactions come from anywhere; they often don’t know each other, so face-to-face way is hard to trace the persons in charge after transaction. The thesis studies four major types of e-commerce, including information wall, trading platform, independent collector, and on-line store. The first one is information wall. The feature of prototype is the wall of information only share information, not to participate in transaction. The risk is criminal, fraud, and disputes. The ways for trust assurance are recording data of transaction via cloud and BYOD in the databases. The second one is trading platform, including platform deal with payment flow or not. The risk are also fraud and disputes. The ways for trust assurance is platform collect payment for sellers in advance, and keep the money until buyer received goods and agree with the deal. Also combining account on line with real person and trading record via databases at the cloud. The third one is independent collector in order to support small platforms or stores who can’t provide payment. The fourth one is on-line store. The risk is the supply chain is too complex to trace, so the store is hard to insurance the quality and safety of the goods they sale. The ways for trust assurance is to record the resume of supply chain and materials they used into databases at cloud in order to build traceable supply chain. E-commerce also derives innovative service. The thesis studies two major types, including the opportunities of independent collector, and loan of e-commerce. Independent collector collect payments from many small platforms and stores, and close with participants. The opportunities are service of personal payment, online banking. The loan of e-commerce is new way of credit investigation which is based on true record from trading. The lander pay to the suppliers of borrowers in order to assurance the application of landing money. According to the analyzing of the thesis, there are two conclusions. First of all, the risk of trust from e-commerce based on trading record from databases at cloud is smaller than traditional model. Secondly, the VCC of e-commerce is the positive cycle via preventive supervision, trustable and traceable trading data. Because of trust assurance, total payments of platform get larger. Once mistake happens, the system risk is high. In order to reduce the loss, to suggest to have insurance for e-commerce. Moreover, there is more and more trading record, so the government of platform and databases at cloud is needed. Also the regulation of e-landing and the ways of feedback for evaluation are necessary. |
URI: | http://tdr.lib.ntu.edu.tw/jspui/handle/123456789/54612 |
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顯示於系所單位: | 商學研究所 |
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