Person-Oriented Modeling Methodology: A Case Study on Personal Credit Scoring
Qingyuan Xu, Ningchen Wang · 2016
In the background of huge information integration and connection in information science, understanding of the whole world has become one of the most important requirements. In order to gain a comprehensive understanding of individuals, this paper proposed person-oriented modeling methodology to construct personal virtual image which consists of personal comprehensive information, event, task and interactive rules, imposing great significance on subjective initiative and personal practice. Basic Information Units and Standard Tree Structure are employed together to depict individuals from a comprehensive perspective. This paper demonstrates how to establish an appropriate information category in detail on the basis of sociology and philosophy related theories to guarantee the completeness and rationality of the structure of personal virtual image and takes personal credit scoring as an example to prove the feasibility and effectiveness of personal virtual image model.