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A Study on the Effects of SNS Usage Characteristics on Credit Loan Repayment
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SNS 사용특성이 신용대출 상환에 미치는 영향에 관한 연구

논문 기본 정보

Type
Academic journal
Author
Wonhoon Chung (호서대학교) Lee Jae Soon (호서대학교)
Journal
아시아문화학술원 인문사회 21 인문사회 21 제12권 제4호 KCI Accredited Journals
Published
2021.8
Pages
2,741 - 2,756 (16page)

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A Study on the Effects of SNS Usage Characteristics on Credit Loan Repayment
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Research history (3)

2023

A Study on the Impact of SNS Usage Characteristics, Characteristics of Loan Products, and Personal Characteristics on Credit Loan Repayment
Jeong ,  Wonhoon ,  Lee Asia-Pacific Journal of Business Venturing and Entrepreneurship 2023.10 Academic journal
SNS 사용특성 및 대출특성이 신용대출 상환에 미치는 영향에 관한 연구 : (A) Study on the Effects about the Characteristics of SNS Use and Loan Products on the Credit Loan Repayment
정원훈 2023.01 Thesis

2021

A Study on the Effects of SNS Usage Characteristics on Credit Loan Repayment
Wonhoon Chung ,  Lee Jae Soon 인문사회 21 2021.08 Academic journal
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Abstract· Keywords

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This study aims to verify whether SNS usage characteristics (i.e. profile photos, rate of usage) that are increasing in daily life can be used for credit evaluation by investigating the impact on loan repayment. We conducted bionomial logistic analysis with data from Company T’s A loan program, a SNS-rated loan product. The results show that people who use “character and humor photographs” to show openness and extroversion, “social activities and hobbies photos” and “objects and animals” to show strong self-subjectivity are highly likely to repay. It was also found that the more total posts, the more likely you are to repay. Finally, The longer the loan period, the more likely the loan is to be overdue. Therefore, It is useful to use big data, including personal characteristics and SNS usage, as variables in loan screening to thin-filers who do not have financial transaction records. Also, This study would attempt follow-up research including additional variables such as the number of comments and friends.
#SNS 프로필 사진 #신용대출 #개성 #대출 상환 #대안신용평가 #SNS Profile Picture #Credit Loan #Personality #Loan Repayment #Alternative Credit Rating

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