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 ability0.5692
(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 transaction0.0619
(0.1138)
0.0498
(0.1152)
Amount of successful transaction0.0352
(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 utilization0.2203
(0.0333)
0.2076
(0.0333)
0.2004
(0.0332)
Maximum quota utilization0.0273
(0.0289)
0.0322
(0.0290)
0.0333 (0.0290)
Average quota−0.1331
(0.0493)
−0.1262
(0.0493)
−0.1263
(0.0494)
Number0.0813
(0.0401)
0.0829
(0.0401)
0.0875
(0.0402)
Total amount0.1137
(0.0365)
0.1126
(0.0366)
0.1139
(0.0367)
Age0.0897
(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 marriage0.2462
(0.0369)
0.2028
(0.0338)
0.0772
(0.0353)
−0.2550
(0.0387)
0.1029 (0.0390)
Job0.0192
(0.00884)
−0.0221
(0.00837)
−0.0272(0.00831)−0.00755
(0.00908)
0.00409
(0.00915)
Amount0.4068
(0.308)
0.3927
(0.2731)
0.4048
(0.2901)
0.3917
(0.2721)
0.3927
(0.2705)
Rate0.1320
(0.00733)
0.1320
(0.00731)
0.1219
(0.00734)
0.1205
(0.00737)
0.1218 (0.00741)
Observations5000050000500005000050000
Pseudo R20.0320.0330.0330.0320.030

Note.,, and represent the significance levels of 1%, 5%, and 10%, respectively.