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

Table 6

The prediction result of GBDT model on 20 test cases.

Test case	Total	Correct	TP	TN	FP	FN	ACC (%)	Sensitivity (%)	Specificity (%)
1	4000	3700	166	3534	266	34	92.50	83.00	93.00
2	4000	3700	166	3534	266	34	92.50	83.00	93.00
3	4000	3698	164	3534	266	36	92.45	82.00	93.00
4	4000	3698	164	3534	266	36	92.45	82.00	93.00
5	4000	3704	170	3534	266	30	92.60	85.00	93.00
6	4000	3702	168	3534	266	32	92.55	84.00	93.00
7	4000	3664	168	3496	304	32	91.60	84.00	92.00
8	4000	3664	168	3496	304	32	91.60	84.00	92.00
9	4000	3664	168	3496	304	32	91.60	84.00	92.00
10	4000	3700	166	3534	266	34	92.50	83.00	93.00
11	4000	3666	170	3496	304	30	91.65	85.00	92.00
12	4000	3702	168	3534	266	32	92.55	84.00	93.00
13	4000	3702	168	3534	266	32	92.55	84.00	93.00
14	4000	3700	166	3534	266	34	92.50	83.00	93.00
15	4000	3700	166	3534	266	34	92.50	83.00	93.00
16	4000	3700	166	3534	266	34	92.50	83.00	93.00
17	4000	3664	168	3496	304	32	91.60	84.00	92.00
18	4000	3702	168	3534	266	32	92.55	84.00	93.00
19	4000	3702	168	3534	266	32	92.55	84.00	93.00
20	4000	3702	168	3534	266	32	92.55	84.00	93.00
Mean	4000	3692	167	3525	276	33	92.29	83.50	92.74