Social credit: a comprehensive literature review

doi:10.1186/s40854-015-0005-6

CSpace

	Social credit: a comprehensive literature review
	Yu,Lean 1; Li,Xinxie 1; Tang,Ling 1; Zhang,Zongyi 2; Kou,Gang 2
	2015-06-09
发表期刊	Financial Innovation
ISSN	2199-4730
卷号	1 期号:1
摘要	AbstractTo avoid credit fraud, social credit within an economic system has become an increasingly important criterion for the evaluation of economic agent activity and guaranteeing the development of a market economy with minimal supervision costs. This paper provides a comprehensive review of the social credit literature from the perspectives of theoretical foundation, scoring methods, and regulatory mechanisms. The study considers the credit of various economic agents within the social credit system such as countries (or governments), corporations, and individuals and their credit variations in online markets (i.e., network credit). A historical review of the theoretical (or model) development of economic agents is presented together with significant works and future research directions. Some interesting conclusions are summarized from the literature review. (1) Credit theory studies can be categorized into traditional and emerging schools both focusing on the economic explanation of social credit in conjunction with creation and evolution mechanisms. (2) The most popular credit scoring methods include expert systems, econometric models, artificial intelligence (AI) techniques, and their hybrid forms. Evaluation indexes should vary across different target agents. (3) The most pressing task for regulatory mechanisms that supervise social credit to avoid credit fraud is the establishment of shared credit databases with consistent data standards.
关键词	Social credit Literature review Credit scoring Regulatory mechanism Credit risk
DOI	10.1186/s40854-015-0005-6
语种	英语
WOS记录号	BMC:10.1186/s40854-015-0005-6
出版者	Springer Berlin Heidelberg
引用统计
文献类型	期刊论文
条目标识符	http://ir.amss.ac.cn/handle/2S8OKBNM/342
专题	中国科学院数学与系统科学研究院
通讯作者	Yu,Lean
作者单位	1.Beijing University of Chemical Technology; School of Economics and Management 2.Southwestern University of Finance and Economics; School of Business Administration
推荐引用方式 GB/T 7714	Yu,Lean,Li,Xinxie,Tang,Ling,et al. Social credit: a comprehensive literature review[J]. Financial Innovation,2015,1(1).
APA	Yu,Lean,Li,Xinxie,Tang,Ling,Zhang,Zongyi,&Kou,Gang.(2015).Social credit: a comprehensive literature review.Financial Innovation,1(1).
MLA	Yu,Lean,et al."Social credit: a comprehensive literature review".Financial Innovation 1.1(2015).