美国大数据公司联手京东做信用评估_时事

美国大数据公司联手京东做信用评估

如果一个人是在白天时间买东西，可能表示这个买家没有工作。但如果交易是在午餐时间发生，而且是在办公电脑上进行，梅里尔说，那就很可能代表这是一个勤奋的员工在挤时间买必需品。

In its test, the creditworthiness predictions made by ZestFinance were compared to the resultsof JD.com’s experience making loans, which was essentially the control group. TheZestFinance algorithms won handily.

在测试中，ZestFinance所作的资信预测，与京东自身放贷的结果作了对比，后者实质上就是对照组。ZestFinance的算法轻松胜出。

The Chinese online retailer, said Josh Gartner, senior director for international communicationsfor JD.com, hopes to “greatly improve the efficiency of deciding who should be offered creditor not.

京东国际公关高级总监约什·加德纳(Josh Gartner)表示，京东希望能“大大提高其贷款决策的效率。

Data science methods, Mr. Gartner added, can fill a gap “where traditional metrics tend to beless useful, and China would obviously be one of those places.

加德纳补充道，数据科学的方法可以在“传统衡量方法表现欠佳的地方填补一个空白，“中国显然就是一个这样的地方。

In a statement, Mr. Chen pointed to the potential value of the joint venture beyond JD.comitself. He called the link-up with ZestFinance “a foundational step toward building a reliablesystem for assessing credit risk that will help meet the huge market need.