Applied Analysis of Social Network Data in Personal Credit Evaluation

Wang, Yanyong; Yang, Jiandong; Saifuding, Daniyaer; Fan, Jiejie; Li, Ranran; Zhao, Chongchong; Xu, Jifeng; Xing, Chunxiao

doi:10.1007/978-3-319-94361-9_17

Cited by 3 publications

(2 citation statements)

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“…This study divides corporate social activities into four categories: asking questions, posting, commenting and joining social networks. Previous studies have emphasized the significant role of social activities in evaluating credit due to limited hard information (Yin et al, 2020;Wang et al, 2018). Therefore, we propose the following research question:…”

Section: Mediating Role Of Network Centralitymentioning

confidence: 99%

“…The more social activities, the more social relationships and larger social networks enterprises have. Such social relationships and networks represent the corporate social capital, which reduces the information asymmetry in the digital platform and is also the endorsement of corporate credit behavior (Wang et al, 2018). Second, social activities can promote corporate financial…”

Section: Social Capital Theory (Sct)mentioning

confidence: 99%

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How social activities affect corporate credit behavior? – the mediating role of network centrality

Chen

2023

IMDS

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PurposeSocial information is crucial to credit ratings and can improve the accuracy of the traditional credit assessment model. Drawing on the resource-based view (RBV) and social capital theory (SCT), this research explores the relationships between corporate social activities, network centrality and corporate credit behavior.Design/methodology/approachThe authors used social network analysis (SNA) and regression analysis to analyze the data collected from 14,544 enterprises on the Alibaba platform.FindingsThe results indicate that among the four types of social activities, the number of corporate questions and posts shows a positive relationship with credit behavior; while the number of corporate comments has negative relationship with credit behavior. Further, degree and betweenness centralities mediate the relationship between the number of corporate questions, posts and comments with credit behavior.Originality/valueThis study contributes to the literature on non-financial factors (soft information) by exploring the social behavioral factors related to corporate credit. In addition, this study offers a new theoretical lens and reasonable explanations for investigating the relationship between corporate social activities, network centrality and credit behavior from the perspective of the resource-based view, while most studies are predictive and methodological. Moreover, this study provides new insights for platforms to evaluate enterprise credit and for managers to improve credit behavior.

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Section: Mediating Role Of Network Centralitymentioning

confidence: 99%

Section: Social Capital Theory (Sct)mentioning

confidence: 99%