GB/T 39053-2020 in English
VALIDSpecification of credit assessment for merchants on cross-border E-commerce platform
- Issued on:2020-07-21
- Implemented on:2021-02-01
- File Format:PDF
- Delivery:Via email within 1~3 business days
$214.00
| Standard No: | GB/T 39053-2020 |
| Document status: | VALID |
| Title in English: | Specification of credit assessment for merchants on cross-border E-commerce platform |
| Title in Chinese: | 跨境电子商务平台商家信用评价规范 |
| Language: | English |
| File Format: | Electronic (PDF) |
| Delivery: | Via email within 1~3 business days |
| Issued on: | 2020-07-21 |
| Implemented on: | 2021-02-01 |
| ICS Classification: | 03.080.99-Other services |
| Chinese Classification: | A10-Commerce, Trade and Contract |
| Professional Classification: | GB-National Standard |
| Related Keywords: | credit evaluation
conditions e-commerce platform credit record illegal record credit assessment credit file total credit evaluation score |
| Related Topics: | e-commerce
business Quotient+ Sub-business+ cross border E-commerce credit network retail credit evaluation index system merchant front desk agent Credit rating Credit rating E-commerce platform Telecom outsourcing platform GBT39053 GB/T 39053-2020 Evaluation of electronic controls |
《GB/T 39053-2020跨境电子商务平台商家信用评价规范》由TC563（全国电子商务质量管理标准化技术委员会）归口，主管部门为国家标准化管理委员会。
Introduction
Interpretation of the core content of the standard
This standard establishes the national standard framework for credit evaluation of merchants in the cross-border e-commerce field for the first time, including 5 major evaluation factors, 42 specific indicators and AAA-BB five-level credit rating system. The total credit evaluation score is set to 2000 points, of which 1600 points or more is the highest credit rating AAA.
Evaluation factors and indicator system
| Evaluation factors | Key indicators | Indicator type | Data source |
|---|---|---|---|
| Basic qualifications | Business operating years, legal person credit, administrative license | Required | Government departments/enterprises |
| Business behavior | Goods description conformity, order growth rate, inspection and quarantine records | Required conditions | E-commerce platform |
| Credit record | Illegal record (veto item), complaint rate, AEO certification | Required | Multi-source data |
Key points of technical implementation
Credit evaluation model construction
The standard recommends the use of WOE (weight of evidence) transformation and logistic regression model:
- Quantify qualitative indicators through binning
- Calculate the WOE value of each indicator to reflect the impact of default probability
- Set the benchmark score of 1400 points (corresponding to odds 1:50) and PDO-40 points
Data update mechanism
Dynamic files need to be updated monthly, and the evaluation results are valid for no more than 3 months. Downgrade directly to BB level in the following situations:
- Violation record within 3 years
- Included in the list of dishonest persons subject to enforcement
Implementation suggestions for enterprises
Credit file construction
Enterprises should establish a credit file containing the following contents:
- Basic qualification certification documents (must be notarized)
- Complete cross-border e-commerce customs declaration documents
- Regular backup of platform transaction data
Risk prevention and control measures
Focus on monitoring two veto indicators:
- Establish a mechanism for screening illegal records (connected to the judicial database)
- Set up a red and yellow line early warning system for credit evaluation
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