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Table 4 Comparison Between Traditional and Internet Finance Risk Management

From: Harnessing Internet finance with innovative cyber credit management

Credit Risk Sources

Traditional Risk Management

Internet Finance Risk Management

Personal Information

Moral, personal, vocational, and financial characteristics

Personal Information in traditional risk management, personal role in finance market, personal behavior on Internet such as online purchase, online investment, social media activities, project history

Macroeconomic Information

Employment rate, interest rate, and stock change index

Macroeconomic Information in traditional risk management and regulations on internet finance.

Network Level Information

Not considered

Lender-lender relationship, lender-borrower relationship

Borrower-borrower relationship

Platform Information

Not considered

Platform information such as guarantee, platform security, policies, business model, and reputation