A visual risk identification and early warning research for college net loan based on microblog texts

Ruijun Zhang, Caiyan Lin () and Zeping Tong
Additional contact information
Ruijun Zhang: Wuhan University of Science and Technology
Caiyan Lin: Wuhan University of Science and Technology
Zeping Tong: Wuhan University of Science and Technology

Risk Management, 2021, vol. 23, issue 4, No 1, 281 pages

Abstract: Abstract By analyzing microblog texts, a visual early warning research of college net loans is conducted in this paper to effectively reduce the negative impact of illegal Internet loans (abbreviated as "net loans") on college students' lives. Two calculation models are proposed in our research: One is the Identification Model of Risk Degree (IMRD) based on the security level of microblog texts about net loans. The other is the Calculation Model of Relationship Closeness (CMRC) based on three dimensions: user's relevant relationship, interaction strength, and interest similarity. IMRD is used to identify the risk of microblog net loan texts, and determine whether to early warn or not. CMRC is utilized to acquire a net loan communication map by describing the closeness level between net loan microblog publishers and their followers, and analyzing the possibility of retweeting. A visual monitoring and early warning platform is constructed based on these two models. With this platform, further spread of net loan information can be prevented by analyzing the graph and cutting off key nodes in time. The early warning mechanism of this research can effectively alleviate the negative influence of illegal net loans.

Keywords: Microblog; College net loan; Risk identification; Early warning; Model of risk degree; Model of relationship closeness (search for similar items in EconPapers)
Date: 2021
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (1)

Downloads: (external link)
http://link.springer.com/10.1057/s41283-021-00078-3 Abstract (text/html)
Access to the full text of the articles in this series is restricted.

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:pal:risman:v:23:y:2021:i:4:d:10.1057_s41283-021-00078-3

Ordering information: This journal article can be ordered from
https://www.palgrave.com/gp/journal/41283

DOI: 10.1057/s41283-021-00078-3

Access Statistics for this article

Risk Management is currently edited by Igor Loncarski

More articles in Risk Management from Palgrave Macmillan
Bibliographic data for series maintained by Sonal Shukla () and Springer Nature Abstracting and Indexing ().