If you chat on social networks or play computer games for a long time, you might be helping your credit score.

如果你长期在社交网络上聊天或者打电脑游戏，这也许有助于提高你的信用评分。

At least that is what one of China’s largest peer-to-peer lending sites reckons, having rated 50m Chinese consumers for creditworthiness using social networking and computer gaming data.

至少中国最大的个人对个人(P2P)借贷网站之一是这样认为的。该公司已经利用社交网络和电脑游戏数据为5000万中国消费者进行了信用评级。

The data were provided by Tencent, drawn from the internet group’s millions of users. They were processed by China Rapid Finance using an algorithm that looks at frequency and amount of time spent using Tencent services, everything from WeChat, the social chat app with 600m users, to Candy Crush Saga, the smartphone game.

这些数据由互联网集团腾讯(Tencent)提供，来自其成百上千万用户。信而富(China Rapid Finance)对这些数据进行处理，所用算法考察用户使用腾讯服务的频率和时长。这些服务无所不包，从拥有6亿用户的社交聊天软件微信(WeChat)，到智能手机游戏《糖果粉碎传奇》(Candy Crush Saga)。

The criteria may seem unusual but Zane Wang, founder and chief executive officer of China Rapid Finance, says internet user behaviour is enough to establish reliable creditworthiness. Further, it is the only way to score some of the 80 per cent of Chinese people who have no credit history or access to credit.

评级标准似乎有些与众不同，但是信而富的创始人兼首席执行官王征宇(Zane Wang)称，利用互联网用户行为足以建立可靠的信用评级。更何况，这是对没有信用记录或信贷获取途径的80%左右中国人进行评级的唯一方式。

“These are 500m Chinese consumers who are currently financially active ... are not covered by the current financial system,” said Mr Wang. “That is the gap we are trying to fill.”

“目前中国有5亿在金融服务上活跃的消费者……但是并未被当前的金融体系覆盖，”王征宇称，“这正是我们在试图填补的空缺。”

Using its scoring method, China Rapid Finance has arranged 3m P2P loans in the six months since its partnership with Tencent began in February. The company declined to disclose their monetary value.

自从今年2月与腾讯开展合作以来，信而富利用其评级方法，在6个月内安排了300万笔P2P贷款。该公司拒绝透露这些贷款的货币价值。

The algorithm examines how long and how frequently people use Tencent services, said Mr Wang. “The more someone uses social networking services [the more it] shows that people are concerned for their reputation, concerned for their integrity,” he said.

王征宇称，该算法考察的是用户使用腾讯服务的时长和频率。“一个人使用社交网络服务越多，就越能表明他关心自己的名誉和诚信，”他称。

Internet purchasing history even buying points in an online game — was another key variable, he added.

他补充称，网购记录——甚至购买网络游戏点卡——是另一个关键变量。

“These criteria are different from traditional credit bureaus, but using the data we can still tell if a person will have a tendency to pay back a loan,” he said.

“这些标准与传统信用机构不同，但是利用这些数据，我们仍然可以判断一个人是否有还贷倾向，”他称。