| | Variable type | Variable name | Variable description |
| | Behavior of repayment | Default | If the customer is overdue for more than 30 days, assign 1, and conversely, assign 0 |
| | Consumption information of the platform | Consumption ability | Consumption capacity level within one year, consumption amount <30 RMB, assign 1; 30 ≤ consumption amount < 70 RMB, assign 2; 70 ≤ consumption amount < 90 RMB, assign 3; consumption amount ≥90 RMB, assign 4; no consumption record, assign 0 | | Consumption frequency | Consumption frequency grade within one year, consumption frequency <3, assign 1; 3 ≤ consumption frequency < 6, assign 2; 6 ≤ consumption frequency < 10, assign 3; consumption frequency ≥10, assign 4; no consumption record, assign 0 | | Consumption scene | Number of consumption scenarios within a year, consumption scene <2, assign 1; 2 ≤ consumption scene < 4, assign 2; consumption scene ≥4, assign 3; no consumption record, assign 0 |
| | Transaction information of the platform | Days of transaction | Days of transaction ≤1, assign 1; 1 ≤ days of transaction < 4, assign 2; days of transaction ≥4, assign 3; no found, assign 0 | | Amount of successful transaction | Amount of successful transaction ≤25, assign 1; 25 ≤ amount of successful transaction < 200, assign 2; amount of successful transaction ≥200, assign 3; no found, assign 0 | | Number of successful transaction | Number of successful transactions ≤1, assign 1; 1 ≤ number of successful transactions < 4, assign 2; number of successful transactions ≥4, assign 3; no found, assign 0 | | Active days | Active days ≤4, assign 1; 4 ≤ active days < 19, assign 2; active days ≥19, assign 3; no found, assign 0 |
| | Information of credit card use | Average quota utilization | Average quota utilization ≤0.35, assign 1; 0.35 ≤ average quota utilization < 0.75, assign 2; 0.75 ≤ average quota utilization < 0.85, assign 3; average quota utilization ≥0.85, assign 4; no found, assign 0 | | Maximum quota utilization | Maximum quota utilization ≤0.1, assign 1; 0.1 ≤ maximum quota utilization < 0.3, assign 2; 0.3 ≤ maximum quota utilization < 0.5, assign 3; maximum quota utilization ≥ 0.5, assign 4; no found, assign 0 |
| | Credit information of credit card | Average quota | Average quota ≤10000 RMB, assign 1; 10000 ≤ average quota < 30000 RMB, assign 2; 30000 ≤ average quota < 50000 RMB, assign 3; 50000 ≤ average quota < 100000 RMB, assign 4; average quota≥100000 RMB, assign 5; no found, assign 0 | | Number | number = 0, assign 1; 1≤number< 3, assign 2; 3≤number <7; 7≤number <12, assign 4; number ≥12, assign 5; no found, assign 0 | | Total amount | Total amount ≤10000 RMB, assign 1; 10000 ≤ total amount < 30000 RMB, assign 2; 30000 ≤ total amount < 50000 RMB, assign 3; 50000 ≤ total amount < 100000 RMB, assign 4; total amount ≥100000 RMB, assign 5; no found, assign 0 |
| | Personal information | Age | Under 22 years old, assign 1; 22–40 years old, assign 2; beyond 40 years old, assign 3 | | Gender | Male, assign 0; female, assign 1 | | State of marriage | Unmarried, assign 1; married, assign 2; divorced and other, assign 3; no found, assign 0 | | Job | Agriculture, forestry, animal husbandry, and fishery, assign 1; manufacturing, assign 2; social services, assign 3; public service, assign 4; real estate, assign 5; wholesale, assign 6; financial, assign 7; other, assign 8; unknown, assign 9; no found, assign 0 |
| | Loan information | Amount | Below 5000 RMB, assign 1; 5000–10000 RMB, assign 2; 10000–20000 RMB, assign 3; 20000–30000 RMB, assign 4; 30000–40000 RMB, assign 5; above 40000 RMB, assign 6 | | Rate | Interest rate |
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