Credit Scoring with AHP and Fuzzy Comprehensive Evaluation Based on Behavioural Data from Weibo Platform

Abstract

It is increasingly necessary to evaluate the customers' credit. In the era of big data, Information on the Internet is commonly used to judge the credit worthiness of customers. Some users' credit information is incomplete or unavailable, so credit managers cannot judge the true credit situation of these users. However, with the support of social data especially behavioural data and credit evaluation system, this problem can be effectively solved. This study used Weibo to obtain the behavioural data of Chinese users for credit evaluation. Two methods are used to calculate the credit scores of Weibo users, which are the analytic hierarchy process (AHP) and fuzzy comprehensive evaluation methods. By analysing social processes and inviting experts to make decisions, we constructed a credit evaluation system to expose users' behavioural characteristics. We found that the three key indexes determining the user's social credit are personal identification, behavioural characteristics and interaction among friends. Then, AHP was used to determine the weight of each index. Finally, a static algorithm was proposed to compute the credit evaluation system of Weibo users using fuzzy comprehensive evaluation methods.

Comprehensive Power Transformers Evaluation based on Multi-Criteria Decision-Making Approach

“…This method also enables the estimation whether there is contradiction between the subjective judgments of a problem, which is an effective way to describe the decision maker's judgment objectively. [19] Apart from its simplicity, the conventional AHP method shows certain weaknesses, which limit its application in situations when there is any indefiniteness whatsoever in the data about the problem that is being considered [20], also it cannot reflect the human way of thinking due to the imprecision and vagueness of human perceptions. In order to rationalize the uncertainty accompanying the decision-making process, it is necessary that new approaches to dealing with uncertainty within the conventional AHP process, such as fuzzy Set Theory, should be incorporated.…”

Quality Credit Evaluation in the Internet Company: A System Based on the Analytic Hierarchy Process

“…Zeliha and Girginer (2015) applies AHP to determine the weight of the criteria named bank's commercial credit applications evaluation. Yu et al (2019) employed AHP and fuzzy comprehensive evaluation methods to calculate the personal credit scores. Ferreira and Santos (2016) analysed the credit risk of mortgage loans, and considered that AHP is the overall excellent approach.…”