融入在线社会资本的个人信用价值度量模型

Credit value measurement model incorporating personal social capital

社会资本与个人信用呈正相关性,特别是线下社会资本与个人信用之间的研究相对成熟,并将研究结果应用到车贷、房贷等领域.然而,针对在线社会资本与个人信用的研究相对较少,将在线社会资本作为量化指标进行个人信用价值度量问题仍有待深入研究.因此,本文以社会资本理论研究为基础,融入在线社会网络关系数据度量个人信用水平,结合传统个人信用度量模型,提出了转换在线社会关系的k-核信用价值度量模型,实验结合个人支付宝芝麻分经验数据,从实践角度验证了模型对修正个人信用的有效性.研究提出的度量模型对服务互联网金融领域、利用大数据建立征信系统,完善在线社会资本理论研究等具有重要意义.

A positive correlation was found between personal credit and social capital, especially between off- line social capital and personal credit, which took the majority part of related researches. The compelling find- ings are applied by practices such as car loans, mortgages, and some other fields. However, there are not much researches on the personal credit and online social capital, and online social capital, as a quantitative index for personal credit value measurement, is one of the issues open to further research. This paper tries to construct a credit value measurement model based on social from the online social network into the traditional personal capital theory, incorporating personal social capital credit measurement model. In the model, a trans- formed credit value with k-core value of online social relations is proposed, with alipay sesame as the empirical data in the experiment, and the effectiveness of the model in correcting personal credit is verified from the per- spective of practice. The measurement model can benefit the internet financial service field and establish social credit management system with big data, which can have great significance in the online social capital theory as well.