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首页> 外文会议>IEEE International Conference on Intelligence and Security Informatics >Does Appearance Matter? Exploring the Role of Facial Features for Judging Borrowers’ Credibility in Online P2P Lending Markets
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Does Appearance Matter? Exploring the Role of Facial Features for Judging Borrowers’ Credibility in Online P2P Lending Markets

机译：外观重要吗？探索面部特征在在线P2P借贷市场中判断借款人信誉的作用

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摘要

Prior research has found the beauty premium effect in peer-to-peer (P2P) lending markets. However, it remains unknown whether and how lenders rely on borrowers' facial characteristics to infer their financial credibility. In this research, we propose a set of facial features that can be automatically extracted from images using face recognition techniques. Our analysis of a large sample collected from a Chinese P2P lending platform reveals that borrowers with lower socioeconomic status are more likely to include face images in their account profiles. However, these images do not necessarily help attract more investors. The in-depth analysis of the facial features shows that when presented with face images of borrowers, lenders tend to associate the appearance of borrowers with their financial credibility and generally prefer “good-looking” borrowers, who have a round face, a longer philtrum, and a higher nose. However, these facial features cannot be used to predict loan repayment performance.
机译：先前的研究发现，在点对点（P2P）贷款市场中，美容溢价效应。但是，贷款人是否以及如何依靠借款人的面部特征来推断其财务信誉仍然未知。在这项研究中，我们提出了一套可以使用面部识别技术从图像中自动提取的面部特征。我们对从中国P2P借贷平台收集的大量样本进行的分析表明，社会经济地位较低的借款人更有可能在其个人资料中包含头像。但是，这些图像并不一定有助于吸引更多的投资者。对面部特征的深入分析表明，在显示借款人的面部图像时，贷方倾向于将借款人的外观与其财务信誉相关联，并且通常更喜欢“好看”的借款人，这些人的脸圆圆，更长以及更高的鼻子。但是，这些面部特征不能用于预测贷款还款表现。

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