Research Article
A Trial of Student Self-Sponsored Peer-to-Peer Lending Based on Credit Evaluation Using Big Data Analysis
Table 4
The maximized likelihood parameter estimation of 8 features after refinement.
| | Parameter | DOF | Estimation | Standard error | Wald | Pr |
| | Intercept | 1 | −0.8254 | 0.217 | 14.4698 | 0.0001 | | Prob_Back | 1 | 0.9089 | 0.2841 | 10.2376 | 0.0014 | | Lib_renew_prob | 1 | −0.2577 | 0.0785 | 10.7788 | 0.001 | | fail_rate | 1 | 6.3658 | 3.3029 | 3.7148 | 0.0539 | | Lib_borrow_avg_exceed_time | 1 | 0.0266 | 0.00668 | 15.8433 | <0.0001 | | Lib_borrow_total_cnt | 1 | −0.0887 | 0.00877 | 102.4603 | <0.0001 | | sum_transaction_amount | 1 | 0.000101 | 0.00003 | 11.6087 | 0.0007 | | avg_cost | 1 | 0.00317 | 0.000759 | 17.4164 | <0.0001 | | mean_recharge | 1 | −0.00226 | 0.000795 | 8.0483 | 0.0046 |
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