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Creditworthiness Analysis in E-Financing Businesses - A Cross-Business Approach

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E-Life: Web-Enabled Convergence of Commerce, Work, and Social Life (WEB 2015)

Part of the book series: Lecture Notes in Business Information Processing ((LNBIP,volume 258))

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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.

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Author information

Authors and Affiliations

  1. Shcool of Management, Hefei University of Technology, 193 Tunxi Road, Hefei, 230009, China

    Kun Liang & Cuiqing Jiang

  2. Jerry S. Rawls College of Business Administration, Texas Tech University, 703 Flint Ave, Lubbock, TX, 79409, USA

    Kun Liang, Zhangxi Lin, Zelin Jia & Jiangtao Qiu

  3. School of Economic Information Engineering, Southwestern University of Finance and Economics, 55 Guanghuacun Road, Chengdu, 610074, China

    Jiangtao Qiu

Authors
  1. Kun Liang
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  2. Zhangxi Lin
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  3. Zelin Jia
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  4. Cuiqing Jiang
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  5. Jiangtao Qiu
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Corresponding author

Correspondence to Kun Liang .

Editor information

Editors and Affiliations

  1. Department of Decision and Information Sciences, Oakland University, Rochester, Michigan, USA

    Vijayan Sugumaran

  2. Virginia Commonwealth University, Richmond, Virginia, USA

    Victoria Yoon

  3. Beckman Institute for Advanced Science and Technology, University of Illinois at Urbana–Champaign, Urbana, Illinois, USA

    Michael J. Shaw

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© 2016 Springer International Publishing Switzerland

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Liang, K., Lin, Z., Jia, Z., Jiang, C., Qiu, J. (2016). Creditworthiness Analysis in E-Financing Businesses - A Cross-Business Approach. In: Sugumaran, V., Yoon, V., Shaw, M. (eds) E-Life: Web-Enabled Convergence of Commerce, Work, and Social Life. WEB 2015. Lecture Notes in Business Information Processing, vol 258. Springer, Cham. https://doi.org/10.1007/978-3-319-45408-5_18

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