Study on Effect of Consumer Information in Personal Credit Risk Evaluation

Table 2

Descriptive statistics.

Variable	Mean	Min	Max	Standard deviation	Observed value
Default	0.04328	0	1	7275.8	50000
Consumption ability	0.196896	0	4	0.17342	50000
Consumption frequency	1.75604	0	4	0.496516	50000
Consumption scene	1.82742	0	4	0.452636	50000
Days of transaction	2.51908	0	3	0.8303	50000
Amount of successful transaction	2.58016	0	3	0.7904	50000
Number of successful transaction	2.54074	0	3	0.82542	50000
Active days	2.41376	0	3	0.87513	50000
Average quota utilization	1.46706	0	4	0.77997	50000
Maximum quota utilization	2.28846	0	4	1.40822	50000
Average quota	1.57802	0	5	0.7446	50000
Number	2.33848	0	4	1.136	50000
Total amount	2.51658	0	5	1.60343	50000
Age	1.95218	1	3	0.404592	50000
Gender	0.43438	0	1	0.46568	50000
State of marriage	1.61786	0	3	0.6959	50000
Job	7.30406	0	9	2.67282	50000
Amount	2.94646	1	6	2.29651	50000
Rate	16.611588	10.8	23.4	3.23299	50000