素描
青少年犯罪
计算机科学
语音识别
心理学
犯罪学
算法
作者
Xiangyu Chang,Lili Dai,Lingbing Feng,Jianlei Han,Jing Shi,Bohui Zhang
出处
期刊:Review of Finance
[Oxford University Press]
日期:2024-12-11
摘要
Abstract This paper proposes an innovative method to assess borrowers’ creditworthiness in consumer credit markets by conducting machine-learning-based analyses on real-time video information that records borrowers’ behavior during the loan application process. We find that the extent of borrowers’ micro facial expressions of happiness is negatively associated with loan delinquency likelihood, while the degree of fear expressions is positively associated with delinquency risk. These results are consistent with two economic channels relating to the adequacy and uncertainty of borrowers’ future income, drawn from the extant psychology and economics literature. Our study provides important practical implications for fintech lenders and policymakers.
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