Study on Effect of Consumer Information in Personal Credit Risk Evaluation

Table 4

Results of robust test.

Dependent variable	od5	od5	od5	od60	od60	od60
Consumption ability			0.1929 (0.1854)		0.2792 (0.2025)	0.1387 (0.2124)
Consumption frequency			−0.0335 (0.0600)		−0.1464 (0.0630)	−0.0538 (0.0722)
Consumption scene			−0.1096 (0.0629)		−0.2543 (0.0715)	−0.2077 (0.0736)
Days of transaction			−0.0211 (0.1038)			0.1716 (0.1290)
Amount of successful transaction			0.0204 (0.0540)			0.0164 (0.0647)
Number of successful transaction			0.0204 (0.0540)			0.2911 (0.1305)
Active days			−0.1913 (0.0324)			−0.1889 (0.0388)
Average quota utilization		0.1946 (0.0307)	0.1946 (0.0307)		0.2030 (0.0362)	0.1802 (0.0361)
Maximum quota utilization		0.0526 (0.0262)	0.0526 (0.0262)		0.0311 (0.0318)	0.0385 (0.0319)
Average quota	−0.0827 (0.0449)		−0.0827 (0.0449)		−0.1055 (0.0537)	−0.0983 (0.0538)
Number	0.0876 (0.0368)		0.0876 (0.0368)		0.0952 (0.0439)	0.1013 (0.0441)
Total amount	0.0661 (0.0335)		0.0661 (0.0335)		0.1099 (0.0400)	0.1099 (0.0402)
Age	0.0838 (0.0534)	0.00529 (0.0553)	0.0616 (0.0557)	0.1158 (0.0645)	0.0194 (0.0671)	0.0629 (0.0677)
Gender	−0.3545 (0.0433)	−0.3609 (0.0430)	−0.3323 (0.0438)	−0.3558 (0.0525)	−0.3327 (0.0521)	−0.3303 (0.0531)
State of marriage	0.2344 (0.0337)	0.0922 (0.0321)	−0.1096 (0.0629)	0.2537 (0.0405)	0.0667 (0.0387)	0.1074 (0.0429)
Job	0.0208 (0.00806)	−0.0254 (0.00759)	−0.006 (0.00831)	−0.0292 (0.0096)	−0.0405 (0.00902)	−0.0128 (0.00997)
Amount	0.4027 (0.301)	0.4053 (0.231)	0.4058 (0.2581)	0.3902 (0.2625)	0.3927 (0.2705)	0.4058 (0.2581)
Rate	0.1209 (0.00665)	0.1109 (0.00666)	0.1109 (0.00673)	0.1524 (0.00812)	0.1430 (0.00816)	0.1428 (0.00823)
Observations	50000	50000	50000	50000	50000	50000
Pseudo R2	0.0313	0.0311	0.03105	0.0312	0.0301	0.03109

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