Research Article
Study on Effect of Consumer Information in Personal Credit Risk Evaluation
Table 3
Results of logistic regression.
| Dependent variable | (1) | (2) | (3) | (4) | (5) |
| Consumption ability | | | 0.5692 (0.1902) | 0.0915 (0.1956) | 0.1285 (0.1990) | Consumption frequency | | | −0.1414 (0.0575) | −0.1747 (0.0578) | −0.0376 (0.0658) | Consumption scene | | | −01989 (0.0663) | −0.2550 (0.0667) | −0.1554 (0.0682) | Days of transaction | | | 0.0619 (0.1138) | | 0.0498 (0.1152) | Amount of successful transaction | | | 0.0352 (0.0575) | | 0.0182 (0.0592) | Number of successful transaction | | | −0.1812 (0.1155) | | −0.1371 (0.1170) | Active days | | | −0.1951 (0.0341) | | −0.1929 (0.0355) | Average quota utilization | | 0.2203 (0.0333) | | 0.2076 (0.0333) | 0.2004 (0.0332) | Maximum quota utilization | | 0.0273 (0.0289) | | 0.0322 (0.0290) | 0.0333 (0.0290) | Average quota | −0.1331 (0.0493) | | | −0.1262 (0.0493) | −0.1263 (0.0494) | Number | 0.0813 (0.0401) | | | 0.0829 (0.0401) | 0.0875 (0.0402) | Total amount | 0.1137 (0.0365) | | | 0.1126 (0.0366) | 0.1139 (0.0367) | Age | 0.0897 (0.0586) | 0.1030 (0.0580) | 0.00083(0.0609) | 0.0712 (0.0614) | −0.0757 (0.0614) | Gender | −0.3602 (0.0476) | −0.3221 (0.0471) | −0.0360 (0.0473) | −0.3578 (0.0480) | −0.3358 (0.0481) | State of marriage | 0.2462 (0.0369) | 0.2028 (0.0338) | 0.0772 (0.0353) | −0.2550 (0.0387) | 0.1029 (0.0390) | Job | 0.0192 (0.00884) | −0.0221 (0.00837) | −0.0272(0.00831) | −0.00755 (0.00908) | 0.00409 (0.00915) | Amount | 0.4068 (0.308) | 0.3927 (0.2731) | 0.4048 (0.2901) | 0.3917 (0.2721) | 0.3927 (0.2705) | Rate | 0.1320 (0.00733) | 0.1320 (0.00731) | 0.1219 (0.00734) | 0.1205 (0.00737) | 0.1218 (0.00741) | Observations | 50000 | 50000 | 50000 | 50000 | 50000 | Pseudo R2 | 0.032 | 0.033 | 0.033 | 0.032 | 0.030 |
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Note.,, and represent the significance levels of 1%, 5%, and 10%, respectively. |