{"resolved":true,"match_type":"uuid","source_type":"original_book","book_id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","title":"黑箱社会 控制金钱和信息的数据法则＝THE BLACK BOX SOCIETY","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787508655208","requested_by":"printed_page","book":{"source_type":"original_book","book_id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","id":"9c884da5-4c5c-4613-91be-2dad1863fbfa","uuid":"9c884da5-4c5c-4613-91be-2dad1863fbfa","title":"黑箱社会 控制金钱和信息的数据法则＝THE BLACK BOX SOCIETY","normalized_title":"黑箱社会控制金钱和信息的数据法则theblackboxsociety","author":null,"edition":null,"publisher":null,"year":null,"isbn":"9787508655208","isbns":["9787508655208"],"parsed":true,"ai_readable":true,"document_type":"book","page_count":318,"navigation_url":"https://workshop.closeclaw.top/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa","title_url":"https://workshop.closeclaw.top/ai/title/%E9%BB%91%E7%AE%B1%E7%A4%BE%E4%BC%9A%20%E6%8E%A7%E5%88%B6%E9%87%91%E9%92%B1%E5%92%8C%E4%BF%A1%E6%81%AF%E7%9A%84%E6%95%B0%E6%8D%AE%E6%B3%95%E5%88%99%EF%BC%9DTHE%20BLACK%20BOX%20SOCIETY","fixed_page_url_template":"https://workshop.closeclaw.top/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa/page/{printed_page}","path_api_url_template":"https://workshop.closeclaw.top/api/ai/book/9c884da5-4c5c-4613-91be-2dad1863fbfa/page/{printed_page}","read_url":"https://workshop.closeclaw.top/api/ai/read/9c884da5-4c5c-4613-91be-2dad1863fbfa","page_url":"https://workshop.closeclaw.top/api/ai/books/9c884da5-4c5c-4613-91be-2dad1863fbfa/page","search_url":"https://workshop.closeclaw.top/api/ai/books/9c884da5-4c5c-4613-91be-2dad1863fbfa/search"},"page":{"printed_page":36,"pdf_page":55,"physical_index":55,"physical_index_base":0,"printed_page_status":"recognized","page_sha256":"e97757f1a65f238c78a1bc0e8aad22d0296e9eb7e32d79b4e0bb1faabfc54357"},"chapter":"第一章","content":"益百利(Experian)、环联(TransUnion)和艾可飞(Equifax)这三家征信机构对成百上千万的个人进行了评分，但评分方式却不尽相同。在对50万份档案进行研究后发现，“在不同的征信局之间，至少有29%的用户评分会出现50分以上的差距”，这50分意味着可能要在抵押贷款期间多付几十万美元的利息；除非这几家征信局在私下都怀有不同的目的，否则这样的评分差异只能说明评估程序具有太强的随意性。“去哪儿揭秘”网站的事例就突出表现了这种不可预测性。如果这些评分规则不能公之于众，那么即使是循规蹈矩的公民也难免会陷入麻烦。当某个用户主动降低自己的信贷限额时，他可能只是想预防诈骗或者节约开支，可他也许不知道征信局会专门留意那些缩小自己信用额度的用户，于是他不但没有因为自己的谨慎而获得一个更高的信用评分，反而会惊讶地发现随之升高的“债信比”在不断\n\n黑箱社会The Black BoxSociety\n\n036","previous_page":35,"next_page":37}