Personal credit evaluation method based on social media state

• Main Authors: TAO KUNWANG, LIU XIAODONG, ZHAO YANGYANG, ZHANG FUHAO, SHI LIHONG, LIU JIACHENG, HE WANGJUN, QIU AGEN
• Format: Patent
• Language: Chinese; English
• Published: 09.03.2021
• Subjects: CALCULATING; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; ELECTRIC DIGITAL DATA PROCESSING; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention discloses a personal credit evaluation method based on a social media state, and the method comprises the steps: obtaining and preprocessing social media state information, constructinga personal credit evaluation index system, carrying out the scoring, obtaining the weight of a credit index, and calculating a final score H. Compared with the prior art, in the method, multiple social media data including WeChat, microblog and the like are defined in three aspects of credibility, rule adherence and financial conditions, and dimension materialization is carried out in combinationwith the characteristics of social media, so that the credit of a social subject in a social network is powerfully evaluated, and the credit evaluation in offline life is powerfully supplemented, andthe situation that online and offline credits are inconsistent is avoided; and compared with the situation that a traditional credit investigation system only evaluates economic assets independently and cannot reflect state cha