Study on Evaluation Model of Chinese P2P Online Lending Platform Based on Hybrid Kernel Support Vector Machine

Table 1

Original indexes and descriptive statistics.

Evaluation dimension	Name of index	Average	Standard deviation	Maximum	Minimum
Transaction level	X1: turnover (RMB 10,000 yuan)	31323.84	95231.63	896003.60	50.74
	X2: average reference rate of return (%)	10.73	2.49	21.72	4.68
	X3: net capital inflow (RMB 10,000 yuan)	379.96	3089.46	18542.88	−46473.09
Platform popularity	X4: investors (persons)	9202.03	40772.65	688387	8
	X5: borrowers (persons)	21862.80	161150.30	2986704	1
	X6: per capita investment amount (RMB 10,000 yuan)	21.73	309.09	6653.67	0.41
	X7: per capita loan amount (RMB 10,000 yuan)	585.02	3408.46	51960	0.13
Loan decentralization	X8: per capita amount to be paid (RMB 10,000 yuan)	5879.13	47507.22	632460	0.10
	X9: percentage of the amount to be paid by top ten borrowers (%)	33.01	33.99	100	0.01
Liquidity level	X10: average loan term (month)	5.80	5.32	35.82	0.55