[Retracted] How Does the Urgency of Borrowing in Text Messages Affect Loan Defaults? Evidence from P2P Loans in China

Table 11

Significance test of the difference between the default group and the nondefault group.

Var	-Test		Var	Mann–Whitney U Test
	-value	Progressive significance (bilateral)		-value	Progressive significance (bilateral)
Sex	7.259	0.007	Age	−2.014	0.044
Edu	219.874	0.000	Amount (yuan)	−3.200	0.001
Income	79.728	0.000	Interest	−1.644	0.100
Grade	153.896	0.000	Month	−4.489	0.000
Purp	42.537	0.000	Length	−14.240	0.000
Ability	0.207	0.649	Urgency	−3.532	0.000
Willing	5.421	0.020