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

Table 13

Logical regression results of control variables.

Model 1
Var	Coefficient	values	EXP (B)	Var	Coefficient	values	EXP (B)
C	−0.145	0.733	0.865	Income (2)	−1.565	0.000	0.209
Amount	0.285	0.007	1.000	Income (3)	−1.441	0.000	0.237
Month	−0.022	0.000	0.978	Income (4)	−1.551	0.000	0.212
Age	0.015	0.005	1.015	Income (5)	−0.932	0.000	0.394
Sex	0.217	0.028	1.242	Grade		0.000
Edu		0.000		Grade (1)	1.034	0.354	2.812
Edu (1)	1.539	0.000	4.660	Grade (2)	−1.566	0.167	0.209
Edu (2)	2.075	0.000	7.965	Grade (3)	−0.608	0.165	0.544
Edu (3)	−0.956	0.001	2.601	Grade (4)	−1.159	0.000	0.314
Income		0.000		Grade (5)	−0.885	0.000	0.413
Income (1)	−1.131	0.297	0.323	Grade (6)	−0.256	0.003	0.774
Nagelkerke R^2	0.692
N	4073

Note: the symbols , , and indicate significance at the 10%, 5%, and 1% levels, respectively.