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。
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A credit score can tell a lender a lot about a prospective borrower, but so can the borrower's looks, a new study says.
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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.
(Agencies)
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Vocabulary:
credit score: 信用分數，是指通過使用科學嚴謹的分析方法，綜合考察影響個人及其家庭的內在和外在的主客觀環境，并對其履行各種經濟承諾的能力進行全面的判斷和評估。
（英語點津 Helen 編輯）
