{"id":"https://openalex.org/W3082292816","doi":"https://doi.org/10.2478/popets-2020-0064","title":"An Analysis of the Current State of the Consumer Credit Reporting System in China","display_name":"An Analysis of the Current State of the Consumer Credit Reporting System in China","publication_year":2020,"publication_date":"2020-08-17","ids":{"openalex":"https://openalex.org/W3082292816","doi":"https://doi.org/10.2478/popets-2020-0064","mag":"3082292816"},"language":"en","primary_location":{"id":"doi:10.2478/popets-2020-0064","is_oa":true,"landing_page_url":"https://doi.org/10.2478/popets-2020-0064","pdf_url":"https://www.sciendo.com/pdf/10.2478/popets-2020-0064","source":{"id":"https://openalex.org/S4210183172","display_name":"Proceedings on Privacy Enhancing Technologies","issn_l":"2299-0984","issn":["2299-0984"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320322","host_organization_name":"De Gruyter Open","host_organization_lineage":["https://openalex.org/P4310320322","https://openalex.org/P4310313990"],"host_organization_lineage_names":["De Gruyter Open","De Gruyter"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings on Privacy Enhancing Technologies","raw_type":"journal-article"},"type":"article","indexed_in":["crossref","doaj"],"open_access":{"is_oa":true,"oa_status":"hybrid","oa_url":"https://www.sciendo.com/pdf/10.2478/popets-2020-0064","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5008247678","display_name":"Mo Chen","orcid":"https://orcid.org/0000-0002-2876-2176"},"institutions":[{"id":"https://openalex.org/I62916508","display_name":"Technical University of Munich","ror":"https://ror.org/02kkvpp62","country_code":"DE","type":"education","lineage":["https://openalex.org/I62916508"]}],"countries":["DE"],"is_corresponding":false,"raw_author_name":"Mo Chen","raw_affiliation_strings":["Technical University of Munich"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Technical University of Munich","institution_ids":["https://openalex.org/I62916508"]}]},{"author_position":"last","author":{"id":"https://openalex.org/A5063714878","display_name":"Jens Gro\u00dfklags","orcid":"https://orcid.org/0000-0003-1093-1282"},"institutions":[{"id":"https://openalex.org/I62916508","display_name":"Technical University of Munich","ror":"https://ror.org/02kkvpp62","country_code":"DE","type":"education","lineage":["https://openalex.org/I62916508"]}],"countries":["DE"],"is_corresponding":false,"raw_author_name":"Jens Grossklags","raw_affiliation_strings":["Technical University of Munich"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Technical University of Munich","institution_ids":["https://openalex.org/I62916508"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":2,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":7.777,"has_fulltext":false,"cited_by_count":13,"citation_normalized_percentile":{"value":0.97055222,"is_in_top_1_percent":false,"is_in_top_10_percent":true},"cited_by_percentile_year":{"min":90,"max":98},"biblio":{"volume":"2020","issue":"4","first_page":"89","last_page":"110"},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10628","display_name":"China's Socioeconomic Reforms and Governance","score":0.9812999963760376,"subfield":{"id":"https://openalex.org/subfields/3320","display_name":"Political Science and International Relations"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10628","display_name":"China's Socioeconomic Reforms and Governance","score":0.9812999963760376,"subfield":{"id":"https://openalex.org/subfields/3320","display_name":"Political Science and International Relations"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T12501","display_name":"Digital Economy and Work Transformation","score":0.9190000295639038,"subfield":{"id":"https://openalex.org/subfields/3312","display_name":"Sociology and Political Science"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/business","display_name":"Business","score":0.6917151808738708},{"id":"https://openalex.org/keywords/credit-history","display_name":"Credit history","score":0.608845055103302},{"id":"https://openalex.org/keywords/china","display_name":"China","score":0.6025869846343994},{"id":"https://openalex.org/keywords/government","display_name":"Government (linguistics)","score":0.6021572947502136},{"id":"https://openalex.org/keywords/credit-reference","display_name":"Credit reference","score":0.5487297177314758},{"id":"https://openalex.org/keywords/credit-enhancement","display_name":"Credit enhancement","score":0.4989004135131836},{"id":"https://openalex.org/keywords/blacklist","display_name":"Blacklist","score":0.4975743591785431},{"id":"https://openalex.org/keywords/credit-card-interest","display_name":"Credit card interest","score":0.4893726706504822},{"id":"https://openalex.org/keywords/consumer-confidence-index","display_name":"Consumer confidence index","score":0.48883646726608276},{"id":"https://openalex.org/keywords/credit-rating","display_name":"Credit rating","score":0.46439510583877563},{"id":"https://openalex.org/keywords/marketing","display_name":"Marketing","score":0.4402201473712921},{"id":"https://openalex.org/keywords/accounting","display_name":"Accounting","score":0.42000916600227356},{"id":"https://openalex.org/keywords/finance","display_name":"Finance","score":0.41212669014930725},{"id":"https://openalex.org/keywords/state","display_name":"State (computer science)","score":0.41011983156204224},{"id":"https://openalex.org/keywords/credit-risk","display_name":"Credit risk","score":0.19100752472877502},{"id":"https://openalex.org/keywords/political-science","display_name":"Political science","score":0.0931018590927124}],"concepts":[{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6917151808738708},{"id":"https://openalex.org/C68842666","wikidata":"https://www.wikidata.org/wiki/Q1070699","display_name":"Credit history","level":2,"score":0.608845055103302},{"id":"https://openalex.org/C191935318","wikidata":"https://www.wikidata.org/wiki/Q148","display_name":"China","level":2,"score":0.6025869846343994},{"id":"https://openalex.org/C2778137410","wikidata":"https://www.wikidata.org/wiki/Q2732820","display_name":"Government (linguistics)","level":2,"score":0.6021572947502136},{"id":"https://openalex.org/C24308983","wikidata":"https://www.wikidata.org/wiki/Q5183781","display_name":"Credit reference","level":3,"score":0.5487297177314758},{"id":"https://openalex.org/C31348098","wikidata":"https://www.wikidata.org/wiki/Q3423719","display_name":"Credit enhancement","level":4,"score":0.4989004135131836},{"id":"https://openalex.org/C2781345505","wikidata":"https://www.wikidata.org/wiki/Q2535979","display_name":"Blacklist","level":2,"score":0.4975743591785431},{"id":"https://openalex.org/C174957148","wikidata":"https://www.wikidata.org/wiki/Q5183765","display_name":"Credit card interest","level":4,"score":0.4893726706504822},{"id":"https://openalex.org/C96405632","wikidata":"https://www.wikidata.org/wiki/Q1128416","display_name":"Consumer confidence index","level":2,"score":0.48883646726608276},{"id":"https://openalex.org/C205208723","wikidata":"https://www.wikidata.org/wiki/Q372765","display_name":"Credit rating","level":2,"score":0.46439510583877563},{"id":"https://openalex.org/C162853370","wikidata":"https://www.wikidata.org/wiki/Q39809","display_name":"Marketing","level":1,"score":0.4402201473712921},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.42000916600227356},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.41212669014930725},{"id":"https://openalex.org/C48103436","wikidata":"https://www.wikidata.org/wiki/Q599031","display_name":"State (computer science)","level":2,"score":0.41011983156204224},{"id":"https://openalex.org/C178350159","wikidata":"https://www.wikidata.org/wiki/Q162714","display_name":"Credit risk","level":2,"score":0.19100752472877502},{"id":"https://openalex.org/C17744445","wikidata":"https://www.wikidata.org/wiki/Q36442","display_name":"Political science","level":0,"score":0.0931018590927124},{"id":"https://openalex.org/C136764020","wikidata":"https://www.wikidata.org/wiki/Q466","display_name":"World Wide Web","level":1,"score":0.0},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.0},{"id":"https://openalex.org/C199539241","wikidata":"https://www.wikidata.org/wiki/Q7748","display_name":"Law","level":1,"score":0.0},{"id":"https://openalex.org/C138885662","wikidata":"https://www.wikidata.org/wiki/Q5891","display_name":"Philosophy","level":0,"score":0.0},{"id":"https://openalex.org/C41895202","wikidata":"https://www.wikidata.org/wiki/Q8162","display_name":"Linguistics","level":1,"score":0.0},{"id":"https://openalex.org/C11413529","wikidata":"https://www.wikidata.org/wiki/Q8366","display_name":"Algorithm","level":1,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.2478/popets-2020-0064","is_oa":true,"landing_page_url":"https://doi.org/10.2478/popets-2020-0064","pdf_url":"https://www.sciendo.com/pdf/10.2478/popets-2020-0064","source":{"id":"https://openalex.org/S4210183172","display_name":"Proceedings on Privacy Enhancing Technologies","issn_l":"2299-0984","issn":["2299-0984"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320322","host_organization_name":"De Gruyter Open","host_organization_lineage":["https://openalex.org/P4310320322","https://openalex.org/P4310313990"],"host_organization_lineage_names":["De Gruyter Open","De Gruyter"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings on Privacy Enhancing Technologies","raw_type":"journal-article"},{"id":"pmh:oai:doaj.org/article:96a8f1ec8b9f44a9897ab6c8265b71ac","is_oa":false,"landing_page_url":"https://doaj.org/article/96a8f1ec8b9f44a9897ab6c8265b71ac","pdf_url":null,"source":{"id":"https://openalex.org/S4306401280","display_name":"DOAJ (DOAJ: Directory of Open Access Journals)","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Proceedings on Privacy Enhancing Technologies, Vol 2020, Iss 4, Pp 89-110 (2020)","raw_type":"article"}],"best_oa_location":{"id":"doi:10.2478/popets-2020-0064","is_oa":true,"landing_page_url":"https://doi.org/10.2478/popets-2020-0064","pdf_url":"https://www.sciendo.com/pdf/10.2478/popets-2020-0064","source":{"id":"https://openalex.org/S4210183172","display_name":"Proceedings on Privacy Enhancing Technologies","issn_l":"2299-0984","issn":["2299-0984"],"is_oa":false,"is_in_doaj":false,"is_core":true,"host_organization":"https://openalex.org/P4310320322","host_organization_name":"De Gruyter Open","host_organization_lineage":["https://openalex.org/P4310320322","https://openalex.org/P4310313990"],"host_organization_lineage_names":["De Gruyter Open","De Gruyter"],"type":"journal"},"license":"cc-by-nc-nd","license_id":"https://openalex.org/licenses/cc-by-nc-nd","version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"Proceedings on Privacy Enhancing Technologies","raw_type":"journal-article"},"sustainable_development_goals":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":34,"referenced_works":["https://openalex.org/W65988069","https://openalex.org/W173436483","https://openalex.org/W377092987","https://openalex.org/W408922492","https://openalex.org/W880910037","https://openalex.org/W1559889732","https://openalex.org/W1564797222","https://openalex.org/W1605424221","https://openalex.org/W1779680771","https://openalex.org/W1995186454","https://openalex.org/W2018881137","https://openalex.org/W2046160792","https://openalex.org/W2100162095","https://openalex.org/W2111595530","https://openalex.org/W2151308651","https://openalex.org/W2279984612","https://openalex.org/W2466116753","https://openalex.org/W2519696916","https://openalex.org/W2724582688","https://openalex.org/W2732437756","https://openalex.org/W2769035231","https://openalex.org/W2779413009","https://openalex.org/W2787106847","https://openalex.org/W2801949247","https://openalex.org/W2887516688","https://openalex.org/W2898481575","https://openalex.org/W2898947557","https://openalex.org/W2901489313","https://openalex.org/W2907687436","https://openalex.org/W2910291565","https://openalex.org/W2965214797","https://openalex.org/W2975795637","https://openalex.org/W3124636197","https://openalex.org/W4232261141"],"related_works":["https://openalex.org/W2380069629","https://openalex.org/W2385067002","https://openalex.org/W2391837608","https://openalex.org/W4206960362","https://openalex.org/W1496299220","https://openalex.org/W2384142884","https://openalex.org/W2354863892","https://openalex.org/W3029888193","https://openalex.org/W2353588752","https://openalex.org/W2371969902"],"abstract_inverted_index":{"Abstract":[0],"The":[1,27,66],"Chinese":[2,144,201],"Social":[3],"Credit":[4,78],"System":[5,80],"(SCS),":[6],"known":[7],"as":[8,75],"the":[9,31,49,57,70,76,115,120,143,148,151,174,178,181,184,187,190,194],"first":[10,141],"national":[11],"digitally-implemented":[12],"credit":[13,108,152,160,197],"rating":[14],"system,":[15],"consists":[16],"of":[17,30,69,119,134],"two":[18,88],"parallel":[19],"arms:":[20],"a":[21,24,92],"government-run":[22,28],"and":[23,37,40,90,117,129,168,183,200],"commercial":[25,50,67],"one.":[26],"arm":[29,68],"SCS,":[32,71],"especially":[33],"efforts":[34],"to":[35,74,104,123,131,146,163],"blacklist":[36],"redlist":[38],"individuals":[39],"organizations,":[41],"has":[42,52,82],"attracted":[43],"significant":[44],"attention":[45],"worldwide.":[46],"In":[47,137],"contrast,":[48],"part":[51],"been":[53,83],"less":[54],"often":[55],"in":[56,96,150,189],"public":[58],"spotlight":[59],"except":[60],"for":[61,86],"discussions":[62],"about":[63,87],"Zhima":[64],"Credit.":[65],"also":[72],"referred":[73],"Consumer":[77],"Reporting":[79],"(CCRS),":[81],"under":[84],"development":[85,112],"decades":[89],"took":[91],"major":[93],"step":[94],"forward":[95],"2015":[97],"when":[98],"8":[99],"companies":[100,162,199],"were":[101],"granted":[102],"permission":[103],"implement":[105],"pilot":[106],"consumer":[107,159,196],"reporting":[109,153,161,198],"programs.":[110],"This":[111],"fundamentally":[113],"increased":[114],"reach":[116],"impact":[118],"SCS":[121,185],"due":[122],"these":[124],"companies\u2019":[125],"sizable":[126],"customer":[127],"base":[128],"access":[130],"vast":[132],"troves":[133],"consumer-related":[135],"information.":[136,171],"this":[138],"paper,":[139],"we":[140,156,176],"map":[142],"CCRS":[145,182],"understand":[147],"actors":[149],"ecosystem.":[154],"Then,":[155],"study":[157],"13":[158],"examine":[164],"how":[165],"they":[166],"collect":[167],"use":[169],"personal":[170],"Based":[172],"on":[173],"findings,":[175],"discuss":[177],"relationship":[179],"between":[180,193],"including":[186],"changes":[188],"power":[191],"relationships":[192],"government,":[195],"citizens.":[202]},"counts_by_year":[{"year":2026,"cited_by_count":1},{"year":2025,"cited_by_count":2},{"year":2024,"cited_by_count":1},{"year":2023,"cited_by_count":2},{"year":2022,"cited_by_count":5},{"year":2021,"cited_by_count":2}],"updated_date":"2026-06-11T09:08:48.828518","created_date":"2020-09-08T00:00:00"}
