爲P2P貸款做信用評級 P2P lender banks on social media activity
If you chat on social networks or play computer games for a long time, you might be helping your credit score.
如果你長期在社交網絡上聊天或者打電腦遊戲，這也許有助於提高你的信用評分。
At least that is what one of China’s largest peer-to-peer lending sites reckons, having rated 50m Chinese consumers for creditworthiness using social networking and computer gaming data.
至少中國最大的個人對個人(P2P)借貸網站之一是這樣認爲的。該公司已經利用社交網絡和電腦遊戲數據爲5000萬中國消費者進行了信用評級。
The data were provided by Tencent, drawn from the internet group’s millions of users. They were processed by China Rapid Finance using an algorithm that looks at frequency and amount of time spent using Tencent services, everything from WeChat, the social chat app with 600m users, to Candy Crush Saga, the smartphone game.
這些數據由互聯網集團騰訊(Tencent)提供，來自其成百上千萬用戶。信而富(China Rapid Finance)對這些數據進行處理，所用算法考察用戶使用騰訊服務的頻率和時長。這些服務無所不包，從擁有6億用戶的社交聊天軟件微信(WeChat)，到智能手機遊戲《糖果粉碎傳奇》(Candy Crush Saga)。
The criteria may seem unusual but Zane Wang, founder and chief executive officer of China Rapid Finance, says internet user behaviour is enough to establish reliable creditworthiness. Further, it is the only way to score some of the 80 per cent of Chinese people who have no credit history or access to credit.
評級標準似乎有些與衆不同，但是信而富的創始人兼首席執行官王徵宇(Zane Wang)稱，利用互聯網用戶行爲足以建立可靠的信用評級。更何況，這是對沒有信用記錄或信貸獲取途徑的80%左右中國人進行評級的唯一方式。
“These are 500m Chinese consumers who are currently financially active ... are not covered by the current financial system,” said Mr Wang. “That is the gap we are trying to fill.”
“目前中國有5億在金融服務上活躍的消費者……但是並未被當前的金融體系覆蓋，”王徵宇稱，“這正是我們在試圖填補的空缺。”
Using its scoring method, China Rapid Finance has arranged 3m P2P loans in the six months since its partnership with Tencent began in February. The company declined to disclose their monetary value.
自從今年2月與騰訊開展合作以來，信而富利用其評級方法，在6個月內安排了300萬筆P2P貸款。該公司拒絕透露這些貸款的貨幣價值。
The algorithm examines how long and how frequently people use Tencent services, said Mr Wang. “The more someone uses social networking services [the more it] shows that people are concerned for their reputation, concerned for their integrity,” he said.
王徵宇稱，該算法考察的是用戶使用騰訊服務的時長和頻率。“一個人使用社交網絡服務越多，就越能表明他關心自己的名譽和誠信，”他稱。
Internet purchasing history even buying points in an online game — was another key variable, he added.
他補充稱，網購記錄——甚至購買網絡遊戲點卡——是另一個關鍵變量。
“These criteria are different from traditional credit bureaus, but using the data we can still tell if a person will have a tendency to pay back a loan,” he said.
“這些標準與傳統信用機構不同，但是利用這些數據，我們仍然可以判斷一個人是否有還貸傾向，”他稱。
