在线观看亚洲精品专区-在线观看亚洲免费-在线观看亚洲免费视频-在线观看亚洲欧美-欧美freexxx-欧美free嫩交video

食品伙伴網服務號
 
 
當前位置: 首頁 » 專業英語 » 英語短文 » 正文

研究:從長相看你是否值得他人信任

放大字體  縮小字體 發布日期:2009-03-24
核心提示:申請貸款的時候,借款人的信用分數可以在一定程度上反應借款人的信譽。被認定可信的人獲得的信用分數會比較高,那么相應的貸款利息也就低一些,這些人拖欠貸款的可能性也相對偏低。不過,最近有一項研究發現,除了人人可見的信用分數以外,借款人的長相也能反應其信譽


    申請貸款的時候,借款人的信用分數可以在一定程度上反應借款人的信譽。被認定可信的人獲得的信用分數會比較高,那么相應的貸款利息也就低一些,這些人拖欠貸款的可能性也相對偏低。不過,最近有一項研究發現,除了人人可見的信用分數以外,借款人的長相也能反應其信譽度。該研究表明,長相誠實可信的借款人獲得的信用分數往往比那些長的不太可靠的人要高出20分,他們獲得貸款的幾率也要高于后者。因此,信譽評估方除了將職業狀況、收入等經濟因素納入考察范圍,還要考慮到貸款人的種族、性別、肥胖度,甚至吸引力等外貌因素。

    A credit score can tell a lender a lot about a prospective borrower, but so can the borrower's looks, a new study says.

    People who are perceived to be trustworthy are more likely to have a higher credit score and pay lower interest rates on loans, and are less likely to default, according to the study by Rice University in Houston, Texas.

    Even when hard facts such as credit scores are available, people rely on an assessment of trustworthiness to decide whether to make a loan.

    "It turns out that if you look trustworthy, you're more likely to get a loan," said Jefferson Duarte, a professor of real estate finance at Rice University, one of the study's authors.

    Duarte and co-authors Stephan Siegel and Lance Young, of the University of Washington in Seattle, studied members of Prosper.com, an online lending site where people looking for loans are matched up with individual lenders.

    Each Prosper.com loan applicant submitted a profile which included credit and work history, education level, income and an optional photograph of themselves for lender review.

    More than 6,800 loan applications, 2,579 loans and 12,200 photographs from Prosper.com were used in the study.

    Duarte hired a team of 25 people to rate the applicants' trustworthiness on a scale of one to five using only the photographs of the borrowers. The team also judged the probability that the borrowers would repay a $100 loan.

    Those judged to be trustworthy by the team were more likely to get a loan from Prosper.com lenders and tended to have a credit score about 20 points higher than those determined to be untrustworthy, the researchers found.

    "Untrustworthy" borrowers were seven percent more likely to default on their loan than a perceived trustworthy borrower with the same credit score.

    "There is an array of information that you can get out of the pictures," Duarte said, adding that Prosper.com borrowers use photographs ranging from family portraits to snapshots of their pets.

    "The pictures are revealing something about the behavior of these people that is not taken into account in the credit score model," Duarte said.

    To make sure that the evaluators' prejudices did not skew the results, the researchers controlled for race, age, gender, obesity, attractiveness and education, as well as financial factors like employment status, income and homeownership.

    Understanding what determines trustworthiness may be relevant to the current economic crisis and be the key in restoring trust in the markets, Duarte said.

    "People don't trust the markets right now. The people don't trust the banks, the banks don't trust themselves ... trustworthiness seems to be really important in every single transaction and we need to pay attention to this concept," he said.

 

更多翻譯詳細信息請點擊:http://www.trans1.cn
 
關鍵詞: 長相 信任
[ 網刊訂閱 ]  [ 專業英語搜索 ]  [ 加入收藏 ]  [ 告訴好友 ]  [ 打印本文 ]  [ 關閉窗口 ] [ 返回頂部 ]
分享:

 

 
推薦圖文
推薦專業英語
點擊排行
 
 
Processed in 2.442 second(s), 460 queries, Memory 2.37 M
51La
主站蜘蛛池模板: 欧美专区在线播放 | 性欧美高清短视频免费 | 免费大片a一级一级 | 在线观看www妖精免费福利视频 | 俄罗斯美女在线观看一区 | 热久久影院| 一级a性色生活片毛片 | 国产三级网站在线观看 | 久久婷婷国产精品香蕉 | 自拍你懂的 | 国产91久久最新观看地址 | 老师下面很湿很爽很紧 | 94久久国产乱子伦精品免费 | 六月婷操 | 免费一级毛片不卡在线播放 | 婷婷毛片 | 一级毛片黄色 | 午夜资源| 嘿嘿嘿视频在线观看 | 天天怕夜夜怕狠狠怕 | 精品国产成人三级在线观看 | 免费网站在线视频美女被 | 国产亚洲视频在线 | 上一篇26p国模 | 欧美一区二区三区高清视频 | 久久精品综合 | 国产成人99久久亚洲综合精品 | 午夜伦伦| 午夜剧场刺激性爽免费视频 | 黑色丝袜美美女被躁视频 | 男人的天堂黄色 | 日本免费的一级绿象 | 伊人久久大香线蕉综合高清 | 88av免费观看 | 久久久久国产成人精品亚洲午夜 | 欧美一区二区三区高清视频 | 天天操天天艹 | 亚洲黄色三级视频 | 色多多高清在线观看视频www | 天天摸日日舔 | 久久久成人影院 |
闂傚倷娴囬褍霉閻戣棄鏋佸┑鐘宠壘绾捐鈹戦悩鍙夋悙缂佹劖顨婇弻锟犲炊閳轰焦鐏侀梺宕囨嚀缁夋挳鍩為幋锔藉亹闁圭粯甯楀▓璺侯渻閵堝倹娅堥悘蹇旂懇閸┾偓妞ゆ巻鍋撻柛妯荤矒瀹曟垿骞樼紒妯煎帗閻熸粍绮撳畷婊冣枎閹烘垹鍊掑┑锛勫亼閸婃牕煤瀹ュ纾婚柟鍓х帛閻撴瑦銇勯弽銊︾殤閺佸牓姊烘潪鎵妽闁圭懓娲顐﹀箻缂佹ɑ娅㈤梺璺ㄥ櫐閹凤拷