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

Table 5

Results of 3-fold cross validation.

Model	3-fold cross validation	TP	FP	FN	TN	True positive rate	True negative rate	Accuracy rate	AUC
CART	1	9	10	0	321	9	0966	0965	0982
	2	6	4	2	325	08	0984	0972	0841
	3	8	14	0	314	08	0952	0954	0928
	Mean value					0866	0965	0961	0917
C4.5	1	8	8	2	321	08	0972	0972	0935
	2	6	2	2	327	06	0994	0983	0841
	3	8	11	0	317	08	0962	0963	0933
	Mean value					0832	0975	0973	0906
AdaBoost	1	8	7	2	321	08	0975	0975	0939
	2	6	5	4	324	06	0981	0975	0842
	3	6	8	4	320	06	0972	0965	0835
	Mean value					0762	0975	0972	0871
SVM	1	6	11	4	318	06	0963	0952	0835
	2	6	10	4	321	06	0966	0956	0835
	3	7	18	3	310	07	0941	0934	0875
	Mean value					0732	0955	0952	0841
ANN	1	7	11	3	318	07	0961	0953	0883
	2	8	14	2	317	08	0954	0954	0928
	3	8	23	2	307	08	0926	0925	0915
	Mean value					0866	0942	0942	0911
RF	1	9	6	1	325	9	0971	0981	0983
	2	6	2	4	327	06	0992	0981	0841
	3	9	11	1	317	9	0963	0964	0983
	Mean value					0911	0977	0972	0935