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If that is true ("equal credit act is the only thing stopping it in the US"), then race is the strongest factor[1] for credit scoring, so I'm not sure how China
by ThrowAway1451 8y ago
If that is true ("equal credit act is the only thing stopping it in the US"), then race is the strongest factor[1] for credit scoring, so I'm not sure how China does it (Chinese population is racially homogenous)?
[1] https://en.wikipedia.org/wiki/Factor_analysis https://en.wikipedia.org/wiki/Factor_analysis
- voidmain0001 8y agoThe Chinese recognize race within its borders[1], additionally it may be of interest to the scorer to know who is Hui, Tibetan, or Uyghur.[2]. I don't support this I'm just noting that China is not racially homogenous. [1] https://en.m.wikipedia.org/wiki/Five_Races_Under_One_Union https://en.m.wikipedia.org/wiki/Five_Races_Under_One_Union [2] https://en.m.wikipedia.org/wiki/Ethnic_issues_in_China https://en.m.wikipedia.org/wiki/Ethnic_issues_in_China