Figure 2.1
Taobao website
adopts the system of simple sum of evaluation points to calculate credit index, and there
are three levels of evaluations: “high”、“ middle” and “ low”
. Each level corresponds to one point,“ high” for one positive point, “ middle
” for zero point, low for one negative point. However, the evaluation must be
given in 15 days, or else, the system will acquiesce to “high opinion”. The sum
of these points is what we call credit index. The degree of credit is
determined by credit index. The personal credit evaluation model is showed in
the Figure 2.1
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