Table 2 Description and statistics of variables
From: A predictive indicator using lender composition for loan evaluation in P2P lending
Variables | Mean | SD | Description |
|---|---|---|---|
\(X_1\) | 5525 | 5258 | The monetary amount of the loan |
\(X_2\) | 0.2022 | 0.0903 | The Borrower’s interest rate for this loan |
\(X_3\) | 672.90 | 75.5151 | FICO credit score of the borrower |
\(X_4\) | 2.0259 | 2.8737 | Inquires number of borrower in the last 6 months |
\(X_5\) | 4.0224 | 9.9051 | Number of borrower’s delinquencies in the past 7 years |
\(X_6\) | 0.2350 | 0.2550 | The debt to income ratio of the borrower |
\(X_7\) | 0.6798 | 2.1153 | Current delinquent of borrower’s accounts |
\(X_8\) | 3.7121 | 1.2032 | The income range of the borrower |
\(X_9\) | 1.4317 | 2.0168 | Loan score calculated by PageRank mechanism |
\(X_{10}\) | \(-0.3139\) | 0.1254 | Loan score without considering lender maturity |
\(X_{11}\) | \(-0.2805\) | 0.1507 | Loan score proposed by this paper |
Y | 0.2985 | 0.4577 | The current status of the loan: 0-Paid; 1-Default |