Credit Scoring with AHP and Fuzzy Comprehensive Evaluation Based on Behavioural Data from Weibo Platform

It is increasingly necessary to evaluate the customers\u27 credit. In the era of big data, Information on the Internet is commonly used to judge the credit worthiness of customers. Some users\u27 credit information is incomplete or unavailable, so credit managers cannot judge the true credit situation of these users. However, with the support of social data especially behavioural data and credit evaluation system, this problem can be effectively solved. This study used Weibo to obtain the behavioural data of Chinese users for credit evaluation. Two methods are used to calculate the credit scores of Weibo users, which are the analytic hierarchy process (AHP) and fuzzy comprehensive evaluation methods. By analysing social processes and inviting experts to make decisions, we constructed a credit evaluation system to expose users\u27 behavioural characteristics. We found that the three key indexes determining the user’s social credit are personal identification, behavioural characteristics and interaction among friends. Then, AHP was used to determine the weight of each index. Finally, a static algorithm was proposed to compute the credit evaluation system of Weibo users using fuzzy comprehensive evaluation methods

Hydrothermal circulation and oil migration at the root of the heterogeneous micro-structure of carbonaceous material in the 2.0 Ga Zaonega Formation, Onega Basin, Russia

Organic-rich rocks of the 2.0 Ga Zaonega Formation, Karelia, Russia, have been studied extensively to gain understanding of the global carbon cycle and reconstruction of paleo-environments, directly after the Great Oxidation Event (GOE). This formation has a complex history of alteration, involving pervasive hydrothermal circulation, hydrocarbon generation/migration, and mineral authigenesis. Several previous studies have focused on the description of these secondary effects, and the identification of primary geochemical signals in the carbonaceous phases. Migration and infiltration of organic-rich fluids appear to have had only limited effect on the primary carbon isotope record (δ13Corg). However, the structural variability of carbonaceous material (CM) appears to have been strongly affected, with a range of reported structures including carbon onion-shaped nanostructures and mineral-templated graphite films. Here we present a systematic Raman spectroscopy-based study of the structural variability of CM in a drill core representing the middle and upper strata of the Zaonega Formation. The Raman spectra of CM show a systematic difference in structural order between the bulk carbonaceous matrix (Matrix-CM) and the CM occurring near mineral contacts (Contact-CM), indicating that mineral templating was an important process affecting structural order in the formation. The templating effect was observed on the surface of a wide range of minerals. The difference in structural order between Matrix-CM and Contact-CM can be traced throughout the ca. 400 m stratigraphy. The structural order varied with the degree of alteration and hydrothermal circulation, from highly ordered structures directly above a large gabbro intrusion at the bottom of the stratigraphy to less ordered structures higher up in the sequence. This trend directly correlates with the δ18O trend of secondary calcite, and can be attributed to the decreasing influence and temperature regime of hydrothermal circulation upward in the stratigraphy. The results presented here suggest that organic-rich hydrothermal fluids can locally strongly enhance graphitization of carbonaceous materials, and cause sample-scale heterogeneities in the structural order of organic materials. This has implications for the interpretation of carbonaceous materials in other ancient rocks experiencing circulation of organic-rich hydrothermal fluids.publishedVersio

Decimetre-scale multicellular eukaryotes from the 1.56-billion-year-old Gaoyuzhuang Formation in North China

Fossils of macroscopic eukaryotes are rarely older than the Ediacaran Period (635–541 million years (Myr)), and their interpretation remains controversial. Here, we report the discovery of macroscopic fossils from the 1,560-Myr-old Gaoyuzhuang Formation, Yanshan area, North China, that exhibit both large size and regular morphology. Preserved as carbonaceous compressions, the Gaoyuzhuang fossils have statistically regular linear to lanceolate shapes up to 30 cm long and nearly 8 cm wide, suggesting that the Gaoyuzhuang fossils record benthic multicellular eukaryotes of unprecedentedly large size. Syngenetic fragments showing closely packed ∼10 μm cells arranged in a thick sheet further reinforce the interpretation. Comparisons with living thalloid organisms suggest that these organisms were photosynthetic, although their phylogenetic placement within the Eukarya remains uncertain. The new fossils provide the strongest evidence yet that multicellular eukaryotes with decimetric dimensions and a regular developmental program populated the marine biosphere at least a billion years before the Cambrian Explosion

Effects of background complexity on consumer emotion and purchase intention in live streaming commerce

Visual complexity plays a crucial role in consumer purchase behavior. However, existing research on background complexity in live streaming commerce is limited. Drawing on the stimuli-organism-response (S-O-R) theory, this study aims to explore the relationships between live background complexity, consumers’ emotion and purchase intention. A 3×2 between-subjects online experiment was developed to collect the participants’ related emotion and intention data. The results primarily indicated that consumers’ emotions (i.e., pleasure and arousal) can be evoked by the visual complexity and further positively influence their purchase intention. Consumer emotion shows a nonlinear mediation effect between live complexity and purchase intention. The moderator role of gender in the relationship between complexity and consumer emotion was also examined. The result revealed that the difference between men and women only exists in the pleasure dimension

Donate Time or Money? The Determinants of Donation Intention in Online Crowdfunding

Compared with traditional charities, donation-based crowdfunding has many novel characteristics. Among the variety of factors that influence potential donors before they develop a donation intention, which are the main ones influencing the intention to donate online? The purpose of this paper is to investigate the key potential determinants of both time and money donations. This study attempts to combine the theory of planned behavior and norm activation theory with social presence theory to conceptualize and develop an integration framework to measure the donation intention. The results of the structural equation modeling, based on 350 valid questionnaire responses received from November 19 to December 19, 2018, suggest that the dependent variable of time donations is significantly affected by social presence, trust, and perceived behavioral control. As for the dependent variable of money donations, only subjective norm has an insignificant effect. The study results offer practical guidelines about the unique aspects of donation to managers of crowdfunding platform and fundraisers

Carbonaceous biosignatures of the earliest putative macroscopic multicellular eukaryotes from 1630 Ma Tuanshanzi Formation, north China

The Paleo- and Mesoproterozoic fossil record of multicellular eukaryotes is scarce but extremely important in studying the evolution of life in the Precambrian Era. Typically, fossils heralded as ‘multicellular eukaryotes’ that are older than the Ediacaran are met with controversy. To confront such debates, we investigate the chemical, isotopic, and molecular structural characteristics of organic matter from carbonaceous compressions in the 1630 Ma Tuanshanzi Formation in northern China, some of the earliest putative macroscopic multicellular eukaryote fossils (Zhu and Chen, 1995). The large-size and relative complexity of these fossils and similar remains from the 1.56 Ga Gaoyuzhuang Formation have led to their interpretation as eukaryotes. Raman spectral parameters give an estimated peak-metamorphic temperature TMax in the range of 202–286 °C, confirming the good preservation of the organic remains. Two-dimensional Raman maps of the carbonaceous compressions show ultrastructural variations that suggest diverse subcellular compounds being consistent with multicellular eukaryotes. The organic matter has carbon isotopic composition δ13Corg-SIMS between −45.3 and −32.2‰, and a branching index of carbon chain measured by the micro-FTIR spectral parameter R3/2 between 0.17 and 0.31. Together with their large-size and morphology, the isotopic, geochemical and ultrastructural data supports an interpretation of the Tuanshanzi Formation carbonaceous compressions as derived from phototrophic, multicellular eukaryotic algae. Our data support the early evolution of macroscopic multicellular eukaryotes in the sulfidic and low-oxygen conditions that prevailed in the Paleo- and Mesoproterozoic oceans