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Social network is a collection of individual social relations，Individuals can get information resources from it、Emotional support and financial support。In terms of credit function，Social network shows information transmission、Supervision constraints and risk guarantee functions。my country's society from tradition to modern transformation，Correspondingly bringing changes in social networks，The performance of social network credit functions also brings new challenges。Understand and use social network credit，Improve the credit portrait of the individual，Build a credit evaluation system with Chinese characteristics，For a Chinese transformation society in China that is changing social networks，It has important practical significance。

　　Credit relationship based on social network

Society is a complicated network，Each individual is a node in the social network，Through blood margin、Geopa、Youyuan、Establishing relationships with other social members。But due to the existence of production materials、Social status and wealth differences，Internet members have a difference to occupy various scarcity resources，Members through sharing information and resources and transaction，Then form a complementary stable relationship。Credit is a trust relationship between social members based on social networks。From this point of view，The credit function of the social network is mainly reflected in the following three aspects。

One is information transfer。Information plays an important role in the transaction，A party with information advantages can take the initiative in trading bet365 Play online games activities。Social network members have formed a stable relationship in life and production activities，Master each other's basic information，Create trust，to effectively relieve the information asymmetry of information。In borrowing activities，This trust mechanism determines whether the loan transaction can be completed smoothly。This can be seen，If the social network can allow the lender to understand the credit of the borrower，can save credit review costs，At the same time, it can reduce the rejection loan behavior caused by information asymmetry。

The second is the supervision and constraint。Some "rules" inside social networks help standardize network members' behavior，Reduce transaction risk。Social network has a certain social constraint function，Loanmen will bring greater credit losses if the breach of contract，In severe cases, it may even be removed from the network，This has improved the cost of breach of contract to a certain extent，Reduced the risk of breach of contract，Members of social networks will pay more attention to their social status and shaping a good social image，The willingness to obey the contract is stronger。At the same time，can effectively reduce the cost of supervision。

Third is risk protection。In credit transactions，Social network can be regarded as a hidden mortgage or guarantee，But this risk guarantee effect is related to the degree of closure of the social network。The persistence of social networks is an important basis for risk protection。When an individual is a molecule in the social network，If the failure of the use of funds brings loss caused by the failure，Social network will play an insurance role through mutual benefit。Social network provides hidden mortgage and guarantee Bet365 lotto review for credit transactions，On the one hand, the ability of the borrower to obtain loans，On the other hand, it also reduces credit risk to a certain extent。

　　Social network changes put forward requirements for credit reporting

Chinese traditional society is a typical "acquaintance society"，Social networks have an important role in people's activities，Loan behavior is typical。The informal market has long existed in my country for a long time，Especially in rural areas，The basis for its operation is social network，Social networks played credit functions during the lending process，Make up the lack of regular financial institutions' services。The important role played by social networks in the illegal financial market，Strengthen credit construction for us、Optimizing the credit environment provides new ideas，That is to build a credit evaluation system based on social networks，Improve the credit portrait of the individual。But，Social network is not unchanged。Expansion of individual activity radius、Changes in the social environment where it is located、impact of foreign factors, etc.，All will bring changes in social networks，Therefore, when the social network credit reporting，It is also necessary to consider the changes of the survey objects brought about by the changes in social networks。

The transformation from traditional to modern in our society，Deeply affects people’s social life and social relations。Social Network is experiencing from blood margin、The strong relationship represented by the pro -fate is related to the friendship、The weak relationship represented by karma，Correspondingly，The credit function of the social network has also changed。From the information transmission mechanism，In a social network of strong relations，bet365 best casino games The source of information is generally more real and reliable; and in a social network of weak relationships，Source of the source of information，Generally more fragmented and not systematic。From the perspective of supervision and restraint mechanism，Social network constraints with strong relations are greater，The punishment mechanism is severe; and in the social network of weak relationships，The supervision and restraint mechanism of the informal system is weakened，Supervision and restraint more requires formal institutional arrangements。From the perspective of the risk security mechanism，Social networks with strong relations emphasize the mutual help of individuals，It can better reflect the risk sharing and hidden guarantees; and in a social network of weak relationships，The role of risk mutual assistance is weakened，The "cushion" role that resists risks is limited。

The current big data -based credit reporting is the digital assessment of the individual social network，Analysis of data related to customers through modeling，to evaluate the credit status of an individual。but，Big Data Credit is more in terms of technical level，It is mainly aimed at social networks for weak relationships，Collect relevant data in various social interaction or transactions of individuals and give modeling analysis。Social network credit reporting proposed by the author，More is as far as the content of the content，It requires technical support for big data，But not just the usual big data credit。In other words，Social network credit reporting can be defined in a narrow and general sense: in the narrow sense，Social network credit reporting emphasizes the portrait portrait of the social network; in a broad sense，Social Network Credit Credit Credit Evaluation bet365 best casino games of Weakness，Can be regarded as big data credit。Although the current credit evaluation has the support of big data technology (that is, social network credit reporting with weak relationships)，and is still developing rapidly，But there is still insufficient understanding and application of social network credit information based on strong relations，There is still room for improvement。Make up the "short board" of credit evaluation，It is conducive to the launch of a credit evaluation system with more Chinese characteristics，For a Chinese transformation society in which the social network changes in the social network,，It has important practical significance。

Of course，The strong relationship and weak relationship of social networks are also in the change。Relying on strong relationships to invest in resources to develop weak relationships，Then strengthen social exchanges to improve weak relationships，Gradually improve the stability and trust of this weak relationship，Forms a new strong relationship，Repeat so，The social network of individuals can be expanded。and the new strong relationship is different from the initial strong relationship，An obvious sign is the blood margin in the initial strong relationship、Geography and other factors have gradually disappeared，Replace it with karma、Youyuan, etc.。

　　Give full play to the credit function of the social network

In order to better play the credit function of the social network，Make the social network more valuable，Build a more credit evaluation system with Chinese characteristics，You can start from the following two dimensions。

For credit subjects。On the one hand，To establish the correct social network concept。Social network is not just a traditional human life，and it is an important resource。Credit subjects should objectively evaluate their existing social networks、The location Bet365 lotto review of your own and your own credit and reputation，From this inferring the social capital status you have; on the other hand，To actively manage the social network，Especially in the process of urbanization，Pay attention to maintaining the original social network，Avoid disconnection with the original social network，At the same time, actively expand the new social network，and strengthen the interaction with the new social network，In this process，Standing in a letter、Brexit，This is conducive to your long -term development。

For the main body of credit reporting。To fully understand and use the resource of social network，Improve the credit evaluation system。Databases related to social network credit，Designed credit index based on social network，and match and test with other credit data。If the main body of the credit is the credit institution at the same time，You can also design financial products based on social networks，Let the social network exert credit function。At the same time，Credit personnel can also be exposed to the social network of borrowers，Master the more comprehensive information about the borrower。

For the regulatory authorities。We must pay attention to the credit function of social networks，Actively promote the construction of social network credit evaluation system，Embedded Credit Culture Construction in Social Network Credit Culture Construction，Let the social network credit reported deeply，Make the social network an important channel for spreading credit and practicing credit。Regulatory authorities should also encourage the development of professional credit reporting agencies，Supporting social network credit reporting activities based on production -university -research，Encourage them to provide professional social network credit products，Product requirements Bet365 app download that meet the credit market。

　　(This article is the Study Research on the Development of Social Network Change and inclusive Finance (18bjl079) in the National Social Science Foundation Project)

(The author is a professor at the School of Economics of Xiamen University)