Research Article
Credit Risk Management of Consumer Finance Based on Big Data
Table 4
Statistical table of means of independent variables.
| ā | Independent variable | Overdue within two years | Overdue for more than 90 days | No overdue |
| Customer information | Age | 53.18 | 46.73 | 45.52 | Monthly income | 6583 | 5758.14 | 6815.25 |
| Customer credit history | Overdue times | 0.4523 | 2.1578 | 0.1964 | Ratio of debt | 25.34 | 23.18 | 24.76 | Open loans and number of credit loans | 8.342 | 8.539 | 8.694 |
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