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 |