O2O电子商务模式信用研究外文翻译资料

O2O电子商务模式信用研究

原文作者 XZhijian Yang

单位School of Management, Northwestern Polytechnical University, xirsquo;an 710072 Shanxi, China

摘要：团购作为O2O（online to offline）电子商务模式应用已成为一个热点。相比于传统的电子商务模式，其超低的价格与有限的时间吸引了不少人的关注。然而，它的盈利模式很容易被复制，这会削弱可持续发展的能力。同时，表现出组织模式和信任的问题也将成为限制发展的关键因素。与传统的电子商务模式的结合就是本文主要探讨的流行的O2O模式，分析它的局限性以及未来发展趋势。改进的O2O电子商务模式的信用，提出考虑到当前用户的被动参与O2O电子商务。引入第三方付费平台和信用评估平台，以保证贸易的成功。

关键词：团购； 电子商务； O2O；信用机制

1.基本介绍

随着互联网技术的发展，电子商务已经逐渐成为人们日常生活的一部分。 O2O电子商务模式全面集成了在线虚拟经济和离线的实体店的优点。

B2C，C2C，以及移动互联网技术发展扩散到日常生活的必然结果。移动互联网的消费模式正逐渐越来越成熟，被视为移动线下企业和企业的发展将更简单，快速释放信息的O2O电子商务交易网站。此外，他们所不断更新的动态信息构成了对消费者的持续吸引力。消费者可以在网上购买的商品和服务，然后去商店使用。这一现象所支持的3G技术，消费者可以通过移动终端的GPS很容易找到有用的在线信息，以位置为存储，从而节省了时间和成本，避免了虚拟市场的产品不能触及，交易是匿名的，在电子商务交易中的信息不对称是让我们重新认识实体的可靠性，完整性和结果性.传统商业模式能力的程度，如B2B，B2C，C2C以及建立在互联网上，其中物流和资金是分开的，在交易过程中的基础。消费者需要提供个人信息的网站购物时，这使得网上交易消费者有更大风险.而新的O2O电子商务模式给我们带来了巨大的市场容量和前所未有的交流关系，但我们也将面临很多问题，如虚假宣传，假货，交易资金的安全性，以及不诚实、缺乏相关的网络安全规则的情况下，信任等方面发挥了不可替代的作用，以确保达到预期结果.失去了信任让消费者拒绝参加在网上交易，从而引入信托机制并让他成为电子商务能有效地提高贸易质量的关键因素。信托从创建到发展或消失的开发过程被认为是重复的，而相关的研究双方仍在继续调整.因为在组织模式的发展过程中，信任是影响效率和安全性的关键因素，本文将主要讨论O2O电子商务的组织模式和信用机制。

2.O2O电子商务模式

O2O（online to offline）电子商务模式的在线互联网的融合资源和离线相结合，其中消费者可以筛选商品与网上公布的服务，他们去实体店购买和之前就进行消费。此外的商人能够吸引和探测游客网上，和消费者和商家将实现动态交互过程。O2O的模式，其核心是，它可以绘制网上消费的实体店铺.商家提供折扣信息或离线商店服务网上消费者，他们转移到离线客户的方式。 消费者可以获得商品“的信息和优惠券，甚至使秩序和支付更快更好。他们去离线商家享受服务。消费者和商家可以彼此通过网上O2O交易平台进行交互。同时，该平台可以监视交易即时的。这样，不仅消费者可以探索高品质商品的比例和服务，同时也是商人可以实现的最大化商业价值电子商务的蓬勃发展，需要安全的保障资本溢流，和在线电子支付的电子商务已成为一个关键链接。因此，电子商务的发展，挨饿对商业内斯金融机构，技术，以及在线支付中介的支。网上银行的建设不仅成为必然趋势，也是电子顺利发展的基础。完整的电子商务活动，至少包括四个部分：厂家，商家，客户和金融机构银行. e干预就可以解决电子商务支付瓶颈，这可以加速资金的VELO城市，提升银行的竞争力，并增加银行的存款和手续费收入，它带来了新的增长指向银行业。第三方支付的发展提供了资金，确保卖家收到货款发货后买家收到货使得支付更安全。如今经过了强有力的支持，移动技术的进步促进了移动业务的发展，让消费者可以做实时交易活动与移动终端。同时，地理位置技术提供移动业务无法比拟的优势。

3.1传统的在线O2O支付模式

网上银行是一个虚拟计数器在互联网上，由其中用户可以享受在线金融服务，无论时间或空间。二十四小时提供除传统商业银行的业务。.如图所示的O2O电子商务模式组织网上支付时，客户可以进行实时电子在开放金融。买卖双方释放需求和供给信息的O2O在线应用平台的在线支付功能后，因此他们将在谈判价格结束了。之前，买家直接付款给通过互联网银行.卖家的银行账户的卖家做商品运到买家接受。这一模型可以确保买卖双方的资金循环快，提高其流动性。

3.2第三方O2O平台的支付模式

第三方支付模式是交换一个基于互联网的手段亲志愿组织在线和离线支付渠道使交易双方的在线支付，资金清算，查询，统计等。它提供了必要的支持，确保一个成功的企业在电子商务，是独立的银行，网站和商家。它主要用于保证安全，以便化解双方之间的贸易风险。第三方平台已大部分上的在线支付市场份额电子商务共享其优势，如良好的相容性，信用机构，安全。第三方支付可以有效的保证基金买卖双方在O2Oe电子商务交易的安全性，它可以降低买方的恶意消耗和不诚实交易第三方支付显示在买卖双方中.O2O组织模式的释放需求和供给信息的O2O在线应用平台，因此他们会在讨价还价的价格结束。买家和卖家需要在第三方支付平台上的账户验证。买家交易资金通过金融机构的账户在电子商务收到货物后，转移到第三方平台账户。年底，购房者转移资金从第三方平台账户卖家账户接受服务。

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杭州师范大学本科生毕业设计(论文)外文文献翻译

外文文献出处：2013西安国际航空维修与管理学术会议

原文作者 XZhijian Yang

单位School of Management, Northwestern Polytechnical University, xirsquo;an 710072 Shanxi, China

An Organizational Mode with Reputation for O2O E-Commerce

Zhijian Yang

Group-buying as an O2O (online to off-line) e-commerce mode application has become into a hot spot of e-commerce applications. Compared with the traditional e-commerce mode, its ultra-low price with limited time has attracted many peoplersquo;s attention. However, the way of its profitability is very single and easier to be copied, which results in much weaker sustainable development capability. Meanwhile, the demonstrated organizational mode and the issues of trust will be also key factors that restrict the development of group-buying.Combining with traditional e-commerce mode,this paper mainly explores the popular O2O organizational mode and analyzes its limitations as well as future trends. An improved O2O e-commerce mode with reputation is proposed considering the status of current userrsquo;s passive participating in O2O e-commerce.A third-party pay platform and credit evaluation platform are introduced to guarantee the success of trade.

1.1 Introduction

With the development of Internet technologies, e-commerce has gradually been

becoming the part of everyday life of people. O2O is the first mode that comprehensively integrates online virtual economy and off-line entity stores into B2B,

B2C, C2C, as well as the corollary of mobile Internet technology development spread to daily life. The consumption pattern of mobile Internet is gradually

becoming mature and be recognized as the development of mobile terminals.Off-line businesses and enterprises can simply and rapidly release the irinformation on the O2O e-commerce-trading Web sites. Besides, they also can constantly update dynamic information posing a continuing attraction to the consumers. Consumers can filter goods and services online in realtime and then go to the store to purchase and for consumption. Supported by the 3G technology,consumers can easily find useful online information by the GPS of mobile terminal to position(location) stores,which saves time and cost for consumers.Owing to the product of dummy market can not be touched and the trading is anonymous, the information asymmetry of the e-commerce transactions is increased.Trust reflects the degree of entitiesrsquo; reliability,integrity,and ability in the deal.Traditionale-commerce mode such as B2B,B2C,and C2C are built on foundation of the Internet, which logistics and capital are separated in the trading process. Consumers need to provide personal information to the site while shopping,which makes Internet transactions surfer a greater risk.The new O2O e-commerce mode brings us a huge market capacity and unprecedented opportuni-ties,but we will also face many problems such as false propaganda, fake goods,trading funds security, as well as the dishonest commitment.In the case of lacking rules relating to online security,the trust has played an irreplaceable role in order to ensure that you achieve the desired results.The lose in trust has become a key factor that makes consumers refuse to join in the online trading, thus introducing the mechanism of trust into e-commerce can effectively improve the quality of trade. Trust from creation to development or disappear that the development processes are considered to be repeated, and the related studies confirm that the two sides continued to adjust the trust in the course of trading.Because organizational mode is a key factor to affect the efficiency and safety of trading, this paper will mainly discuss the organizational mode of O2O e-commerce.

8.2 The O2O E-Commerce Mode

O2O (online to off-line) e-commerce mode is the fusion of online Internet

Resources and off-line entityeconomy,inwhichconsumerscanscreenthegoods

and services published online before they go to the entity store to buy and for

consumption.Besides, the business man can attract and detect tourists online,and

consumers and businessmen will realize the dynamic interaction process.

The core of O2O mode is that it can draw the online consumer to the entity

store.Businessmen provide the discount information or services of off-line shops

for online consumers, by way of transferring them to off-line customers. Con-

sumers can gain commoditiesrsquo; information and preferential vouchers, and even

make order and payment.Lastly, they go to off-line merchants to enjoy services.

Consumers and businessmen can interact with each other through the online O2O-trading platforms. Meanwhile, the platform can monitor the transactions

real time. Thus, not only consumers can explore the ratio of high-quality goods

and services, but also the businessman can realize the maximization of the

commercial value.

8.3 O2O E-Commerce Organizational Model

The booming development of electronic commerce needs the guarantee of security

capitalflow,and the on line electronic payment of e-commerce has become a key

link. Accordingly, the development of electronic commerce is starving for busi-

ness of financial institutions, technology, and online payment intermediationrsquo;s

support.Therefore, the construction of Internet banking has not only become an

inevitable trend,but also the foundation of the smooth development of electronic

commerce.A complete e-commerce activity at least involves four parts: manufacturers,merchants,customer,and financial institutions[7–9].The intervention of bank can solve the electronic commercial payment bottleneck, which can accelerate the velo city of money,enhance the competition ability of the bank,and increase the

deposits and poundagersquo;s income of bank.Ultimately,it brings new profit gr

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