Oliver Everling (editor): Social Credit Rating, Wiesbaden 2020, Springer Gabler Verlag, eBook ISBN 978-3-658-29653-7, Softcover ISBN 978-3-658-29652-0.
Social credit ratings are the result of social credit systems. These include online rating or scoring systems which are making use of a variety of databases, using, for example, the creditworthiness, criminal record and social behavior of individuals or organizations, such as businesses or non-governmental organizations, to classify their reputation.
The German driver fitness register of the German Federal Motor Vehicle Office, which scores and stores points of misappropriation, driving bans or criminal offenses for everyone, is just as well-known and recognized as the SCHUFA credit rating, the Creditreform index, the FICO score or credit ratings from rating agencies. Similar systems such as seller ratings in online shops, likes, and certificates of all kinds are common in Germany as well as in many other countries and worldwide in social media
The establishment of a state-owned social credit system, adopted by the Chinese State Council, has taken such ratings and scorings to a new dimension through unique links that were only made possible by new information and communication technologies. This initiative calls for rethinking the interaction of the systems.
This book gives a deep insight into the used data, procedures, methods and models as well as discusses importance, benefits, functions and application areas of Social Credit Ratings. The book addresses the key players, authors of both practice and science.