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Construction and Optimization of Transboundary Business Financial Credit Network in the Era of 5G Communication

The e-commerce industry has broken through the original geographical restrictions, successfully integrated with world trade, and evolved new e-commerce model. The e-commerce model, that is, e-commerce transactions across international trade, has been rapidly expanded. However, e-commerce transactions across international trade have innate virtuality and information imbalance. These problems have caused many credibility problems and, at the same time, restrict and hinder the healthy and sustainable evolution of transactions across international trade. Credit evaluation of transaction entities through credit evaluation models is an effective way to restrict the behavior of transaction entities. However, the existing credit evaluation models lack pertinence and effectiveness when applied in the context of cross-border e-commerce. In the era of 5G communication, building a complete credit evaluation system through 5G-related technologies will certainly become a new way for the stable evolution of transactions across international trade. This not only can effectively control the risks of cross-border trade and improve efficiency but also properly resolve the uncertainty caused by information imbalance. In order to better promote the development of e-commerce, this article establishes an e-business evaluation module based on integrated fusion performance rating. The weight and the membership of each factor are determined by AHP. Finally, the model was verified by an example. The results show that the evaluation system and the method proposed in this paper are feasible and effective for solving practical problems and provide a solid foundation for the construction of the network of my country’s e-commerce credit rating system. Establishing a scientific and reasonable e-commerce integrity evaluation system has very good practical significance.