栏目零第一组审核
向北小编
澜意Psychometrics:Testsofcharacter心理测量学：性格测试Howpersonalitytestingcouldhelpfinancialinclusion人格测试怎么促进普惠金融发展Lie-detectiontheold-fashionedway谎言测试——过时的方法HOWwouldyoufeelifyouwereinvitedtothemoon?Ifyoufoundagoldcoin,wouldyousaveit,giveittocharityorsplurgeonaholiday?Personalityquizzesofthiskind—“psychometrics”,inthejargon—arealreadythebaneofmanyajobseeker.Now,itisbeingappliedtotheoldestprobleminfinance:willaborrowerrepay?如果你受邀去月球，你会怎么想？如果你发现了一枚金币，你是会占为己有，或者是把它捐给慈善机构，还是度假挥霍掉呢？这种“心理”方面的人格测试，用行话来说:已经成为了许多求职者的克星。现在，它正被应用到金融中最古老的问题上：借款人会偿还吗？Inrichcountries,lendersusecreditscorestoweighrisk.Butjust7%ofAfricansand13%ofSouthAsiansarecoveredbyprivatecreditbureaus.BaileyKlingeroftheEntrepreneurialFinanceLab(EFL),whichexploresnewkindsofcreditdata,arguesthatpsychometricscouldscoopmanymorepeopleintothefinancialsystem.Everyonehasapersonality,afterall.在富裕国家，放款人使用信用评分来衡量风险。然而私人信贷机构只覆盖了7%的非洲人和13%的南亚人。创业金融实验室（EFL），一家探索各种新型信用数据的公司，其员工BaileyKlinger认为，心理测验可以吸引更多的人进入金融系统。毕竟每个人都有自己的个性。Judgingcharacterisnotnew.Psychometricsattemptstomakeitascience.EFLbeganlifeasaresearchinitiativeatHarvard.ThemodelusedbyCreditinfo,arivalfirm,wasdevelopedwithhelpfromCambridge.Theironlinequizzesareroad-testedandtweakedfordifferentcultures.Siftingthedatarevealstellingpatterns:forinstance,-EFLfoundthatyoungoptimistsarerisky,butoldonesareasafebet.评价性格不是新出现的。心理测量学试图使它成为一门科学。在哈佛大学，EFL将其作为一项研究计划。其竞争对手Creditinfo公司使用的模型是由剑桥大学帮助研制的。他们的在线测验是通道测试，并且可根据不同的文化进行调整。期待您的翻译，您可以将翻译留言到文章底部，第二天会有详细解析哦。Cleverdesigncutscheating.Therearenoobvious“right”answers;responsesarecross-checkedforconsistency.Thesoftwaremonitorsmousemovementsforsignsofindecisionordistraction.Andwhentheunscrupulouslietogetaloan,theyoftendosoinpredictableways.IntheCreditinfotest,peopleareshownpicturesoffivedrinksandaskedwhichonetheywouldbe.Choosingwateroversomethingfizziermaybeasignofcheating,saysClareMcCaffery,itsmanagingdirectorinBritain.(Stillorsparkling,youmightask.)巧妙的设计可以减少作弊行为。没有明显的"正确"答案;答案是来自交叉检查的一致性。该软件以监控鼠标移动趋势来判断测试对象是犹豫不决或分心。当想用无耻的谎言来获得贷款时，他们会按可预测的方式去完成。在Creditinfo测试中，人们要在提供的五种饮料图片中选择一个。其在英国任董事的Clare.McCaffery说，选择沸腾的水可能是一种作弊的迹象。（你可能会继续问是不起泡的，还是起泡沫的）Thisallsoundsfanciful,butthereisevidencethatitworks.EFLhashoneditsmodelthroughtrialsonthreecontinents.InoneIndonesianbank,白癜风小偏方白癜风偏方快
