另一家专注利基市场的信贷机构聚宝汇把数十种变量纳入了其专有的信用公式，其中包括借方是否会用自己的社交媒体账号与名人交流。
Another niche lender, Jubao Internet Technology, plugs dozens of variables into its proprietary credit formula, including whether borrowers use their social media accounts to connect with celebrities.
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