融入社会关系强度的个人信用价值度量模型研究  

Research on Credit Value Measurement Model Incorporating Social Strength

作　　者：琚春华[1,2] 傅小康[1,2,3] 邹江波 JU Chunhua;FU Xiaokang;ZOU Jiangbo(School of E-commerce&Management Science,Zhejiang Gongshang University,Hangzhou 310018;Center for Studies of Modern Business,Hangzhou 310000;Sunyard System Engineering Co.,LTD,Hangzhou 310000;School of Business Administration,Zhejiang Gongshang University,Hangzhou 310018)

机构地区：[1]浙江工商大学管工学院,杭州310018 [2]浙江工商大学现代商贸研究中心,杭州310000 [3]信雅达系统工程股份有限公司,杭州310000 [4]浙江工商大学管理学院,杭州310018

出　　处：《系统科学与数学》2020年第3期448-468,共21页Journal of Systems Science and Mathematical Sciences

基　　金：国家自然科学基金资助项目(71571162);国家科技支撑计划基金资助项目(2012BAI34B01-5);浙江省自然科学基金资助项目(LY14F020002);教育部人文社会科学重点研究基地基金(14JJD630011);浙江省教育厅科研项目(Y201432248)资助课题。

摘　　要：融入社会关系数据的信用评估已成为国内外信用研究热点,文章以三维信用中个人信用理论为基础,嵌入在线社会资本理论,提出了一种融入社会关系强度的个人信用价值度量方法.通过引入节点间的信任强度量化在线社会资本,根据自身节点属性、网络中所处位置、关联节点影响力、以及关联节点间的直接和间接关系强度等要素构建个人信用价值度量模型,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互联网金融服务、大数据征信系统建设,在线社会资本理论研究具有重要意义.The development of credit ecology has made today an era of credit.Credit evaluation research has become the hot topics around the world.This study,based on the personal credit theory of three-dimension,proposed a credit evaluation method incorporating social capital theory.By introducing trust strength,a social capital measure model was firstly constructed.Then a personal credit adjustment value measurement model was built by the self-node attributes,the node position and node influence in the social network,as well as the friend nodes social capital with direct and indirect tie strength.With personal Alipay sesame points experience data,an experiment was conducted to modify the current credit values.The effectiveness of the model can be told from the experiment results,especially for the interpretation of some typical nodes.The measurement model can benefit the service of internet financial,the construction of social credit management system,and the research of online social capital theory as well.

关 键 词：信用价值度量 大数据征信 社会关系强度 社会网络 

分 类 号：C912.3[经济管理] F832.4[社会学]