基于第三方支付的驾校信用评价体系研究——以杭州下沙驾校为例

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3.0 韩鲁英 2024-09-24 4 4 499.82KB 25 页 150积分

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浙江财经学院本科生毕业论文（设计）

基于第三方支付的驾校信用评价体系研究

——以杭州下沙驾校为例



摘要：在驾校行业竞争日趋激烈的同时，信用问题层出不穷，成为阻碍该行业进一

步快速发展的重要因素。近年来，驾校“超载”运行，各地发展不平衡，教练收受红包，

教学质量偏低，驾校管理不规范，缺乏完善的管理制度，贿赂考官，严重违反驾考的公

平公正等问题屡见不鲜。引入第三方支付平台的设想意在帮助该行业构建一个信用评价

体系，有助于挖掘更大的市场发展潜力，有利于驾校规范和健康运行。本文通过分析驾

校存在的信用问题，套用信息不对称理论解释成因，运用博弈论分析不同的经济约束对

交易双方的影响，在研究第三方支付平台中信用关系的基础上，提出了一个信用评价理

论框架并通过问卷调查和案例分析进行研究。



关键词: 第三方支付；驾校；信用问题；信用评价



Based on the introduction of third-party payment driving research of credit

evaluation system



Abstract: Driving school industry is growing rapidly while credit issue has become an

important factor to hindering the further development of driving school industry. In recent years,

the driving school industry appeared in series of problems. The phenomenon of driving

"overload",the unbalanced development,coach received a red envelope, teaching quality is low,

driving school management is not standard, the lack of perfect management system,bribing the

examiner occurred commonly. The introduction of third-party payment platform can help

business to have greater potential for development. In this paper, we analyze credit issue and

credit evaluation issue in driving school industry and build a credit evaluation theoretical

framework based on the analysis of credit factors, then took the survey way of questionnaire for

empirical analysis. On the basis of credit relations in the third-party payment platform,we

proposed a credit evaluation theory framework and research through questionnaire

investigation and case analysis with asymmetric information theory,using the game theory

analysis of the different economic constraints to the influence of both parties.

Key words:Third-Party Payment; driving school; credit issue; credit evaluation



浙江财经学院本科生毕业论文（设计）



1 引言...................................................................................................................................... 1

2 文献综述.............................................................................................................................. 1

2.1 国外相关理论研究现状............................................................................................ 1

2.2 国内相关理论研究现状............................................................................................ 2

3 驾校的信用评价体系理论概述.......................................................................................... 3

3.1 相关概念界定............................................................................................................ 3

3.1.1 第三方支付的涵义.......................................................................................... 3

3.1.2 第三方支付的优缺点...................................................................................... 3

3.1.3 国外电子支付应用发展情况.......................................................................... 4

3.1.4 国内第三方支付的现状与分析...................................................................... 5

3.2 信用评价相关理论分析............................................................................................ 5

3.2.1 信用的涵义...................................................................................................... 5

3.2.2 信用评价的涵义.............................................................................................. 5

3.3.3 信用评价方法.................................................................................................. 6

3.3 驾校行业的信用分析................................................................................................ 6

3.3.1 驾校背后存在的问题...................................................................................... 6

3.3.2 信息不对称理论分析成因.............................................................................. 7

4 方案设想.............................................................................................................................. 8

4.1建立信用评价体系的必要性.................................................................................... 8

4.2 提出引入第三方支付................................................................................................ 9

4.2.1 第三方支付——支付宝简介.......................................................................... 9

4.2.2 提出引入第三方的原因分析........................................................................ 10

4.3 提出驾校信用评价体系的基本框架....................................................................... 11

4.3.1 信用评价体系框架介绍................................................................................ 11

4.3.2 影响信用评价的因素.................................................................................... 12

浙江财经学院本科生毕业论文（设计）

4.3.3 对影响信用评价因素的理论分析.................................................................. 12

4.4 问卷调查研究.......................................................................................................... 13

4.4.1 研究设计.......................................................................................................... 13

4.4.2 数据分析.......................................................................................................... 14

4.4.3 研究结论.......................................................................................................... 16

5 案例分析及建议.................................................................................................................. 16

5.1 驾校的投诉案例...................................................................................................... 16

5.2 管理方面的建议...................................................................................................... 19

5.3 信用评价体系拟标准.............................................................................................. 19

6 总结.................................................................................................................................... 20

参考文献.................................................................................................................................. 21

附录 A 调查问卷 .................................................................................................................. 22



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摘要：

浙江财经学院本科生毕业论文（设计）基于第三方支付的驾校信用评价体系研究——以杭州下沙驾校为例摘要：在驾校行业竞争日趋激烈的同时，信用问题层出不穷，成为阻碍该行业进一步快速发展的重要因素。近年来，驾校“超载”运行，各地发展不平衡，教练收受红包，教学质量偏低，驾校管理不规范，缺乏完善的管理制度，贿赂考官，严重违反驾考的公平公正等问题屡见不鲜。引入第三方支付平台的设想意在帮助该行业构建一个信用评价体系，有助于挖掘更大的市场发展潜力，有利于驾校规范和健康运行。本文通过分析驾校存在的信用问题，套用信息不对称理论解释成因，运用博弈论分析不同的经济约束对交易双方的影响，在研究第三方支付平台中信用关系的基...

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