| Summary: | 碩士 === 國立清華大學 === 服務科學研究所 === 104 === Abstract
This research applies virtual currency system to explore the credit-debt relationships among communities and its members. As technology advanced in the field of finance, it not only causes reduction in transaction cost, but pushes forward the technology companies to provide innovative financial service. In Taiwan, P2P lending is a popular topic. When it comes to the credit-debt relationships, personal credit is the most important aspect for traditional banks and P2P lending companies are aimed at figuring it out. However, for a fresh graduate, it is hard to estimate his credit level with traditional attributes such as salary and lending history. But in this internet era, the credit-debt relationships in communities are valuable data for reckoning personal credit, hence many companies put their hand to do related researches. In this research, we design a virtual money system using debt transferring in which users pay with virtual money. We also establish an experimental honesty store to create more usage scenes for them to spend and earn virtual money. Then we apply the social network analysis on the data we collect from our system and an exercise group to compare their transaction relations with interaction on Facebook. We find those who have frequent transactions tend to keep credit-debt records on our system, but their interaction on Facebook does not show certain correspondence. Nevertheless, we can assess their closeness and credit in a community by combining our collected data and FB attributes. Besides, the number of settlement of these complicated credit-debt relationships will be cut down by transferring and offsetting the virtual money. The virtual money also plays a key role to concatenate several different communities. The result of this research creates the opening of credit-debt relationship among communities, indicates its utility, evaluates the acceptance of virtual money, and provides related experience to researchers with interests. On the other hand, it is an available reference for lending companies to appraise one’s credit.
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