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

摘要

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.