C2C Model E-Commerce Credit Evaluation Model Based on Artificial Intelligence
Table 1
Specific scoring criteria and explanatory tables of fuzzy membership functions and indicators for credit scoring.
Index
Evaluation function
Indicator score description
Age
16–30 years old: 8 points 55–70 years old: 6 points Over 70 years old: 4 points
Gender
Female: 2 Male: 1
Education level
Doctor and above have 10 points, masters have 9 points, undergraduates have 8 points, colleges have 7 points, high schools have 6 points, junior high schools and below have 4 points.
Nature of work
State organs have 10 points, enterprises and institutions have 8 points, students and staff have 6 points and others have 4 points.
Monthly income
Consumption level affected by income level
City
First-tier cities have 10 points, second-tier cities have 8 points, third-tier cities have 6 points and fourth-tier cities have 4 points.
