[Retracted] Big Data Analytics for Complex Credit Risk Assessment of Network Lending Based on SMOTE Algorithm

Table 1

Basic information of data.

No.	Variables	Actual meaning	Data processing
1	ID	User ID
2	BorrowType	Type of standards	1: credit certification standard; 2: institutional guarantee standard; 3: field certification standard
3	Title	Loan title	1: capital turnover; 2: expansion of production/operation; 3: decoration; 4: purchase of goods/raw materials/equipment; 5: daily life consumption; 6: purchase of cars; 7: investment in entrepreneurship; 8: purchase of house; 9: online store stocking/business expansion/capital turnover; 10: education and training expenditures; 11: marriage expenses; 12: others
4	Amount	Loan amount	0∼10
5	Interest	Interest rate
6	Term	Repayment period
7	LoanType	Way of guarantee	1: principal; 2: principal + interest
8	Prepayment	Prepayment
	Rate	Rate
9	Gender	Gender	0: female; 1: male
10	Age	Age
11	Education	Education	1: high school or below; 2: junior college; 3: undergraduate; 4: graduate or above
12	Marriage	Marriage	1: married; 2: unmarried; 3: divorced; 4: widowed
13	Field	Company industry	0: one; 1: retail/wholesale; 2: manufacturing; 3: public utilities; 4: catering/hotel industry; 5: construction engineering; 6: nonprofit organization; 7: education/training; 8: transportation industry; 9: IT; 10: finance/law; 11: medical/hygiene/health; 12: government agencies; 13: others
14	Size	Company scale	0: one; 1: <10 persons; 2: 10–100 persons; 3: 100–500 persons; 4: >500 persons
15	EmpLength	Years of working	1: 1 year or less; 2: 1–3 years (including 3 years); 3: 3–5 years (including 5 years); 4: more than 5 years
16	Income	Income	12000∼5000 RMB; 25000∼10000 RMB; 310000∼20000 RMB; 420000∼50000 RMB; more than 550000 RMB
17	House	House	0: no; 1: yes
18	Mortgage	Mortgage	0: no; 1: yes
19	Car	Car	0: no; 1: yes
20	Autoloan	Car loan	0: no; 1: yes
21	Score	Credit score
22	Grade	Credit rating	1:A; 2: B; 3: C; 4: D; 5: E; 6: IIR
23	Application	Borrowing application
24	Succeed	Successful borrowing
25	Paid	Number of paying off
26	Total	Total amount of borrowing	0∼10
27	Overdue	Overdue times
28	Status	Repayment situation	0: overdue time >0; 1: overdue time = 0