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

Table 5

Examples of repayment ability and repayment willingness information mining.

Loan description	Keywords	Value
	Ability	Willing	Ability	Willing
(1) Short-term capital turnover is in short supply, so I hope to seek relevant help through your platform. I have no bad credit and bank loans, and I hope you can approve. Thank you very much!	—	No bad credit	0	1
(2) I have understood the borrowing process. Since I need capital turnover, I seek to raise money through the renrendai platform.	—	—	0	0
(3) I request a loan of 68,000 yuan for house renovations. I work in an enterprise with an annual income of 80,000 yuan.	Annual income 80,000 yuan	—	1	0
(4) I have a fixed working position with a minimum monthly income of more than 4,500. I have a house and a car.	The minimum monthly income of railway workers is over 4500	Credit is good	1	1