Creditworthiness Analysis in E-Financing Businesses - A Cross-Business Approach View Full Text


Ontology type: schema:Chapter     


Chapter Info

DATE

2016

AUTHORS

Kun Liang , Zhangxi Lin , Zelin Jia , Cuiqing Jiang , Jiangtao Qiu

ABSTRACT

To cope with the challenge of data scarcity in creditworthiness analysis for e-financing business, this paper proposes a cross-business analysis approach based on the assumption of behavior consistency for client in different e-commerce environments. By this approach we can analyze individuals’ creditworthiness by associating financial data on lending platforms and cross-business non-financial data on social media. We conceived three creditworthiness assessment models, and conduct the experimental study on Ant Financial Co-Creation Data Platform. The results verify that our cross-business creditworthiness analysis approach is effective. More... »

PAGES

181-185

References to SciGraph publications

  • 2015-12. Harnessing Internet finance with innovative cyber credit management in FINANCIAL INNOVATION
  • 2015-12. Editor’s introduction in FINANCIAL INNOVATION
  • Book

    TITLE

    E-Life: Web-Enabled Convergence of Commerce, Work, and Social Life

    ISBN

    978-3-319-45407-8
    978-3-319-45408-5

    Identifiers

    URI

    http://scigraph.springernature.com/pub.10.1007/978-3-319-45408-5_18

    DOI

    http://dx.doi.org/10.1007/978-3-319-45408-5_18

    DIMENSIONS

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