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

    https://app.dimensions.ai/details/publication/pub.1048600360


    Indexing Status Check whether this publication has been indexed by Scopus and Web Of Science using the SN Indexing Status Tool
    Incoming Citations Browse incoming citations for this publication using opencitations.net

    JSON-LD is the canonical representation for SciGraph data.

    TIP: You can open this SciGraph record using an external JSON-LD service: JSON-LD Playground Google SDTT

    [
      {
        "@context": "https://springernature.github.io/scigraph/jsonld/sgcontext.json", 
        "about": [
          {
            "id": "http://purl.org/au-research/vocabulary/anzsrc-for/2008/0806", 
            "inDefinedTermSet": "http://purl.org/au-research/vocabulary/anzsrc-for/2008/", 
            "name": "Information Systems", 
            "type": "DefinedTerm"
          }, 
          {
            "id": "http://purl.org/au-research/vocabulary/anzsrc-for/2008/08", 
            "inDefinedTermSet": "http://purl.org/au-research/vocabulary/anzsrc-for/2008/", 
            "name": "Information and Computing Sciences", 
            "type": "DefinedTerm"
          }
        ], 
        "author": [
          {
            "affiliation": {
              "name": [
                "Shcool of Management, Hefei University of Technology", 
                "Jerry S. Rawls College of Business Administration, Texas Tech University"
              ], 
              "type": "Organization"
            }, 
            "familyName": "Liang", 
            "givenName": "Kun", 
            "id": "sg:person.010551670527.81", 
            "sameAs": [
              "https://app.dimensions.ai/discover/publication?and_facet_researcher=ur.010551670527.81"
            ], 
            "type": "Person"
          }, 
          {
            "affiliation": {
              "name": [
                "Jerry S. Rawls College of Business Administration, Texas Tech University"
              ], 
              "type": "Organization"
            }, 
            "familyName": "Lin", 
            "givenName": "Zhangxi", 
            "id": "sg:person.013405043764.98", 
            "sameAs": [
              "https://app.dimensions.ai/discover/publication?and_facet_researcher=ur.013405043764.98"
            ], 
            "type": "Person"
          }, 
          {
            "affiliation": {
              "name": [
                "Jerry S. Rawls College of Business Administration, Texas Tech University"
              ], 
              "type": "Organization"
            }, 
            "familyName": "Jia", 
            "givenName": "Zelin", 
            "id": "sg:person.010175106557.20", 
            "sameAs": [
              "https://app.dimensions.ai/discover/publication?and_facet_researcher=ur.010175106557.20"
            ], 
            "type": "Person"
          }, 
          {
            "affiliation": {
              "name": [
                "Shcool of Management, Hefei University of Technology"
              ], 
              "type": "Organization"
            }, 
            "familyName": "Jiang", 
            "givenName": "Cuiqing", 
            "id": "sg:person.010503555327.26", 
            "sameAs": [
              "https://app.dimensions.ai/discover/publication?and_facet_researcher=ur.010503555327.26"
            ], 
            "type": "Person"
          }, 
          {
            "affiliation": {
              "name": [
                "Jerry S. Rawls College of Business Administration, Texas Tech University", 
                "School of Economic Information Engineering, Southwestern University of Finance and Economics"
              ], 
              "type": "Organization"
            }, 
            "familyName": "Qiu", 
            "givenName": "Jiangtao", 
            "id": "sg:person.016135773755.14", 
            "sameAs": [
              "https://app.dimensions.ai/discover/publication?and_facet_researcher=ur.016135773755.14"
            ], 
            "type": "Person"
          }
        ], 
        "citation": [
          {
            "id": "sg:pub.10.1186/s40854-015-0007-4", 
            "sameAs": [
              "https://app.dimensions.ai/details/publication/pub.1003684563", 
              "https://doi.org/10.1186/s40854-015-0007-4"
            ], 
            "type": "CreativeWork"
          }, 
          {
            "id": "sg:pub.10.1186/s40854-015-0007-4", 
            "sameAs": [
              "https://app.dimensions.ai/details/publication/pub.1003684563", 
              "https://doi.org/10.1186/s40854-015-0007-4"
            ], 
            "type": "CreativeWork"
          }, 
          {
            "id": "https://doi.org/10.1016/j.emj.2014.05.002", 
            "sameAs": [
              "https://app.dimensions.ai/details/publication/pub.1006300218"
            ], 
            "type": "CreativeWork"
          }, 
          {
            "id": "sg:pub.10.1186/s40854-015-0004-7", 
            "sameAs": [
              "https://app.dimensions.ai/details/publication/pub.1052869755", 
              "https://doi.org/10.1186/s40854-015-0004-7"
            ], 
            "type": "CreativeWork"
          }, 
          {
            "id": "sg:pub.10.1186/s40854-015-0004-7", 
            "sameAs": [
              "https://app.dimensions.ai/details/publication/pub.1052869755", 
              "https://doi.org/10.1186/s40854-015-0004-7"
            ], 
            "type": "CreativeWork"
          }, 
          {
            "id": "https://doi.org/10.1109/icsssm.2013.6602651", 
            "sameAs": [
              "https://app.dimensions.ai/details/publication/pub.1094222130"
            ], 
            "type": "CreativeWork"
          }
        ], 
        "datePublished": "2016", 
        "datePublishedReg": "2016-01-01", 
        "description": "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\u2019 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.", 
        "editor": [
          {
            "familyName": "Sugumaran", 
            "givenName": "Vijayan", 
            "type": "Person"
          }, 
          {
            "familyName": "Yoon", 
            "givenName": "Victoria", 
            "type": "Person"
          }, 
          {
            "familyName": "Shaw", 
            "givenName": "Michael J.", 
            "type": "Person"
          }
        ], 
        "genre": "chapter", 
        "id": "sg:pub.10.1007/978-3-319-45408-5_18", 
        "inLanguage": [
          "en"
        ], 
        "isAccessibleForFree": false, 
        "isPartOf": {
          "isbn": [
            "978-3-319-45407-8", 
            "978-3-319-45408-5"
          ], 
          "name": "E-Life: Web-Enabled Convergence of Commerce, Work, and Social Life", 
          "type": "Book"
        }, 
        "name": "Creditworthiness Analysis in E-Financing Businesses - A Cross-Business Approach", 
        "pagination": "181-185", 
        "productId": [
          {
            "name": "doi", 
            "type": "PropertyValue", 
            "value": [
              "10.1007/978-3-319-45408-5_18"
            ]
          }, 
          {
            "name": "readcube_id", 
            "type": "PropertyValue", 
            "value": [
              "e785f1f1d7060213292846be067cc7e00dfa2fbacc10ddc5fbd3832518250edd"
            ]
          }, 
          {
            "name": "dimensions_id", 
            "type": "PropertyValue", 
            "value": [
              "pub.1048600360"
            ]
          }
        ], 
        "publisher": {
          "location": "Cham", 
          "name": "Springer International Publishing", 
          "type": "Organisation"
        }, 
        "sameAs": [
          "https://doi.org/10.1007/978-3-319-45408-5_18", 
          "https://app.dimensions.ai/details/publication/pub.1048600360"
        ], 
        "sdDataset": "chapters", 
        "sdDatePublished": "2019-04-15T13:31", 
        "sdLicense": "https://scigraph.springernature.com/explorer/license/", 
        "sdPublisher": {
          "name": "Springer Nature - SN SciGraph project", 
          "type": "Organization"
        }, 
        "sdSource": "s3://com-uberresearch-data-dimensions-target-20181106-alternative/cleanup/v134/2549eaecd7973599484d7c17b260dba0a4ecb94b/merge/v9/a6c9fde33151104705d4d7ff012ea9563521a3ce/jats-lookup/v90/0000000001_0000000264/records_8664_00000273.jsonl", 
        "type": "Chapter", 
        "url": "http://link.springer.com/10.1007/978-3-319-45408-5_18"
      }
    ]
     

    Download the RDF metadata as:  json-ld nt turtle xml License info

    HOW TO GET THIS DATA PROGRAMMATICALLY:

    JSON-LD is a popular format for linked data which is fully compatible with JSON.

    curl -H 'Accept: application/ld+json' 'https://scigraph.springernature.com/pub.10.1007/978-3-319-45408-5_18'

    N-Triples is a line-based linked data format ideal for batch operations.

    curl -H 'Accept: application/n-triples' 'https://scigraph.springernature.com/pub.10.1007/978-3-319-45408-5_18'

    Turtle is a human-readable linked data format.

    curl -H 'Accept: text/turtle' 'https://scigraph.springernature.com/pub.10.1007/978-3-319-45408-5_18'

    RDF/XML is a standard XML format for linked data.

    curl -H 'Accept: application/rdf+xml' 'https://scigraph.springernature.com/pub.10.1007/978-3-319-45408-5_18'


     

    This table displays all metadata directly associated to this object as RDF triples.

    126 TRIPLES      23 PREDICATES      31 URIs      20 LITERALS      8 BLANK NODES

    Subject Predicate Object
    1 sg:pub.10.1007/978-3-319-45408-5_18 schema:about anzsrc-for:08
    2 anzsrc-for:0806
    3 schema:author Nd04066dd650c45ccbc2de6e98c017788
    4 schema:citation sg:pub.10.1186/s40854-015-0004-7
    5 sg:pub.10.1186/s40854-015-0007-4
    6 https://doi.org/10.1016/j.emj.2014.05.002
    7 https://doi.org/10.1109/icsssm.2013.6602651
    8 schema:datePublished 2016
    9 schema:datePublishedReg 2016-01-01
    10 schema:description 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.
    11 schema:editor N99df7cfc7afe401e85523a1ea09d98ef
    12 schema:genre chapter
    13 schema:inLanguage en
    14 schema:isAccessibleForFree false
    15 schema:isPartOf Necee48d652d34adc8299b625e906fe8f
    16 schema:name Creditworthiness Analysis in E-Financing Businesses - A Cross-Business Approach
    17 schema:pagination 181-185
    18 schema:productId N408f3641280e45a1af5f95acb02318fe
    19 N5abd0f2e7f6c4c91815673f5293f407c
    20 Na68968ba18df4ceb8f5db7399840a173
    21 schema:publisher N779b04e3f37b4024a7b2732f559de497
    22 schema:sameAs https://app.dimensions.ai/details/publication/pub.1048600360
    23 https://doi.org/10.1007/978-3-319-45408-5_18
    24 schema:sdDatePublished 2019-04-15T13:31
    25 schema:sdLicense https://scigraph.springernature.com/explorer/license/
    26 schema:sdPublisher N635ca18e14ef4ca3b6c88834f2b62f9f
    27 schema:url http://link.springer.com/10.1007/978-3-319-45408-5_18
    28 sgo:license sg:explorer/license/
    29 sgo:sdDataset chapters
    30 rdf:type schema:Chapter
    31 N1d4e5e057cf34c9fadcb3d0f62dab816 schema:name Jerry S. Rawls College of Business Administration, Texas Tech University
    32 rdf:type schema:Organization
    33 N2ab08ac8359147ef9df750382978e45e schema:name Shcool of Management, Hefei University of Technology
    34 rdf:type schema:Organization
    35 N3cc8d684452d41b8816eb0077a167053 rdf:first sg:person.013405043764.98
    36 rdf:rest Nb6893887d87746fab6bfb0284e9a49e8
    37 N3e3b01a63a77410ea814fe6b0cca9491 schema:familyName Shaw
    38 schema:givenName Michael J.
    39 rdf:type schema:Person
    40 N408f3641280e45a1af5f95acb02318fe schema:name readcube_id
    41 schema:value e785f1f1d7060213292846be067cc7e00dfa2fbacc10ddc5fbd3832518250edd
    42 rdf:type schema:PropertyValue
    43 N454b731f59eb4b9e89e61a26c588a11b rdf:first sg:person.016135773755.14
    44 rdf:rest rdf:nil
    45 N5abd0f2e7f6c4c91815673f5293f407c schema:name dimensions_id
    46 schema:value pub.1048600360
    47 rdf:type schema:PropertyValue
    48 N62aad2331c8f4cedb2db232b5406c369 schema:familyName Yoon
    49 schema:givenName Victoria
    50 rdf:type schema:Person
    51 N635ca18e14ef4ca3b6c88834f2b62f9f schema:name Springer Nature - SN SciGraph project
    52 rdf:type schema:Organization
    53 N6fa0dd7d9a0d4e7d9b8954a8bcf984e4 schema:name Jerry S. Rawls College of Business Administration, Texas Tech University
    54 Shcool of Management, Hefei University of Technology
    55 rdf:type schema:Organization
    56 N75b5709e94814653b14343c64d998771 schema:name Jerry S. Rawls College of Business Administration, Texas Tech University
    57 School of Economic Information Engineering, Southwestern University of Finance and Economics
    58 rdf:type schema:Organization
    59 N779b04e3f37b4024a7b2732f559de497 schema:location Cham
    60 schema:name Springer International Publishing
    61 rdf:type schema:Organisation
    62 N80eb7d4c52684ad5ae5336bf94546a4f rdf:first N62aad2331c8f4cedb2db232b5406c369
    63 rdf:rest Ne71ebaec72014d808c57ca440ebc2b0a
    64 N88c0ff2d4bf4456fb09f601494ad6d1d rdf:first sg:person.010503555327.26
    65 rdf:rest N454b731f59eb4b9e89e61a26c588a11b
    66 N99df7cfc7afe401e85523a1ea09d98ef rdf:first Nbf6ae70ba6744f78baf7ea6f1fe854ce
    67 rdf:rest N80eb7d4c52684ad5ae5336bf94546a4f
    68 Na68968ba18df4ceb8f5db7399840a173 schema:name doi
    69 schema:value 10.1007/978-3-319-45408-5_18
    70 rdf:type schema:PropertyValue
    71 Nb6893887d87746fab6bfb0284e9a49e8 rdf:first sg:person.010175106557.20
    72 rdf:rest N88c0ff2d4bf4456fb09f601494ad6d1d
    73 Nbf6ae70ba6744f78baf7ea6f1fe854ce schema:familyName Sugumaran
    74 schema:givenName Vijayan
    75 rdf:type schema:Person
    76 Nd04066dd650c45ccbc2de6e98c017788 rdf:first sg:person.010551670527.81
    77 rdf:rest N3cc8d684452d41b8816eb0077a167053
    78 Nd577b971ba114f5ba83e2ec88e3665d2 schema:name Jerry S. Rawls College of Business Administration, Texas Tech University
    79 rdf:type schema:Organization
    80 Ne71ebaec72014d808c57ca440ebc2b0a rdf:first N3e3b01a63a77410ea814fe6b0cca9491
    81 rdf:rest rdf:nil
    82 Necee48d652d34adc8299b625e906fe8f schema:isbn 978-3-319-45407-8
    83 978-3-319-45408-5
    84 schema:name E-Life: Web-Enabled Convergence of Commerce, Work, and Social Life
    85 rdf:type schema:Book
    86 anzsrc-for:08 schema:inDefinedTermSet anzsrc-for:
    87 schema:name Information and Computing Sciences
    88 rdf:type schema:DefinedTerm
    89 anzsrc-for:0806 schema:inDefinedTermSet anzsrc-for:
    90 schema:name Information Systems
    91 rdf:type schema:DefinedTerm
    92 sg:person.010175106557.20 schema:affiliation N1d4e5e057cf34c9fadcb3d0f62dab816
    93 schema:familyName Jia
    94 schema:givenName Zelin
    95 schema:sameAs https://app.dimensions.ai/discover/publication?and_facet_researcher=ur.010175106557.20
    96 rdf:type schema:Person
    97 sg:person.010503555327.26 schema:affiliation N2ab08ac8359147ef9df750382978e45e
    98 schema:familyName Jiang
    99 schema:givenName Cuiqing
    100 schema:sameAs https://app.dimensions.ai/discover/publication?and_facet_researcher=ur.010503555327.26
    101 rdf:type schema:Person
    102 sg:person.010551670527.81 schema:affiliation N6fa0dd7d9a0d4e7d9b8954a8bcf984e4
    103 schema:familyName Liang
    104 schema:givenName Kun
    105 schema:sameAs https://app.dimensions.ai/discover/publication?and_facet_researcher=ur.010551670527.81
    106 rdf:type schema:Person
    107 sg:person.013405043764.98 schema:affiliation Nd577b971ba114f5ba83e2ec88e3665d2
    108 schema:familyName Lin
    109 schema:givenName Zhangxi
    110 schema:sameAs https://app.dimensions.ai/discover/publication?and_facet_researcher=ur.013405043764.98
    111 rdf:type schema:Person
    112 sg:person.016135773755.14 schema:affiliation N75b5709e94814653b14343c64d998771
    113 schema:familyName Qiu
    114 schema:givenName Jiangtao
    115 schema:sameAs https://app.dimensions.ai/discover/publication?and_facet_researcher=ur.016135773755.14
    116 rdf:type schema:Person
    117 sg:pub.10.1186/s40854-015-0004-7 schema:sameAs https://app.dimensions.ai/details/publication/pub.1052869755
    118 https://doi.org/10.1186/s40854-015-0004-7
    119 rdf:type schema:CreativeWork
    120 sg:pub.10.1186/s40854-015-0007-4 schema:sameAs https://app.dimensions.ai/details/publication/pub.1003684563
    121 https://doi.org/10.1186/s40854-015-0007-4
    122 rdf:type schema:CreativeWork
    123 https://doi.org/10.1016/j.emj.2014.05.002 schema:sameAs https://app.dimensions.ai/details/publication/pub.1006300218
    124 rdf:type schema:CreativeWork
    125 https://doi.org/10.1109/icsssm.2013.6602651 schema:sameAs https://app.dimensions.ai/details/publication/pub.1094222130
    126 rdf:type schema:CreativeWork
     




    Preview window. Press ESC to close (or click here)


    ...