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

Table 4

LDA topic model analysis results table.

N	Theme	Meaning	Share (%)
1	Short-term, insufficient funds, capital turnover	Short-term working	20
2	Start a business, expand, store, open, prepare goods	Investment	29
3	Decoration, new house, home renovation	Decoration loan	33
4	Change a car, buy a car	Car loan	8
5	Daily, living, credit, improvement	Personal consumption	10