A Trial of Student Self-Sponsored Peer-to-Peer Lending Based on Credit Evaluation Using Big Data Analysis

Table 1

The details of original features.

Variable	Meaning	Type	Count
Prob_Back	Each politic status’s default ratio	Float	31586
Prob_Nation	Each nation’s default ratio	Float	31586
Prob_age	Each age’s default ratio	Float	31586
Prob_Sex	Each sex’s default ratio	Float	31586
sum_subject	Sum amount of subjects	Int	31586
sum_grade	Sum of grades	Float	31586
avg_grade	Average of grades	Float	31586
excellent_times	Times of excellent in exams	Int	31586
fail_times	Times of failure in exams	Float	31586
excellent_rate	Ratio of excellent courses	Float	31586
fail_rate	Ratio of failed courses	Float	31586
Lib_in_times	Times of going into library	Int	31586
Lib_in_times_wk	Times of going into library on weekdays	Int	31586
Lib_in_times_wkd	Times of going into library on weekends	Int	31586
Lib_borrow_total_cnt	Times of borrowing	Int	31586
Lib_borrow_books	Sum acount of books borrowed	Int	31586
Lib_borrow_exceed_cnt	Count of returning books overdue	Int	31586
Lib_borrow_avg_exceed_cnt	Ratio of returning overdue	Float	31586
Lib_borrow_avg_exceed_time	Mean duration of overdue	Float	31586
Lib_renew_times	times of renewing book	Int	31586
Lib_renew_prob	Ratio of renewing book	Float	31586
Lib_forbidden_times	Times of forbidden to borrow	Int	31586
transaction_times	Times of transaction	Int	31586
avg_cost	Mean amount of transaction cost	Float	31586
sum_transaction_amount	Sum amount of transaction cost	Float	31586
sum_transaction_wkd_amount	Sum amount of transaction cost in weekends	Float	31586
sum_transaction_wkd_times	Times of transaction in weekends	Int	31586
sum_recharge	Sum amount of recharge	Float	31586
mean_recharge	Mean amount of recharge	Float	31586