ニューヨーク・タイムズのインスタグラム(nytimes) - 10月12日 03時11分

Mao Yiting, a 27-year-old from the coastal city of Haining, China, has never had a credit card or taken out a loan. But she regularly borrows small amounts of just over $90 from Huabei, a consumer lending business. Most people in China have never taken out a mortgage or used a credit card. But as the country’s economy slows, the Chinese government wants to nurture a credit culture to get families spending instead of saving. The only problem: judging creditworthiness is tricky in a country where cash reigns, and little reliable information exists about potential borrowers. As a result, lenders have gotten creative. China Rapid Finance, for example, sends investigators to borrowers’ homes, where they look for dirty dishes in the kitchen and check the number of toothbrushes to determine how many people are living in the residence. Meanwhile, the internet giants Alibaba, Tencent and Baidu are developing credit scoring systems based on users’ online transactions and search histories. @yuyang_liu_ photographed Yiting petting her dog, Wukong, at her home in Haining.

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