The Prediction Analysis of Peer-to-Peer Lending Platforms Default Risk Based on Comparative Models

Table 2

Summary statistics.

Category	Variable	Platform operating normally				Platform operating problematically
		Mean	Sd	Min	Max	Mean	Sd	Min	Max
Operating	Rate	10.46	2.28	5.6	21	14.49	5.98	6	74
characteristics	exis_time	4.44	0.97	2	8	4.48	1.01	2	9
	re_capital	6537.9	13873.4	500	250000	6565.5	16859.8	100	315804
	auto_inv	0.50	0.50	0	1	0.59	0.49	0	1
	inv_peroid	6.28	5.56	0.53	35.88	3.14	2.51	1	18.62
Customer feedback	wtd_score	3.32	0.57	1.3	5	2.45	0.84	1	5
	stand_score	4.00	0.39	4	5	3.12	0.90	1	5
	serve_score	3.99	0.43	2	5	2.86	0.93	1	5
	exp_score	3.96	0.42	2	5	2.82	0.91	1	5
	rec_ornot	0.87	0.34	0	1	0.13	0.34	0	1
Regulatory compliance capability	bank_save	0.33	0.47	0	1	0.35	0.68	0	1
	Protection	0.64	0.48	0	1	0.72	0.45	0	1
	safe_gaurd	0.83	0.38	0	1	0.83	0.38	0	1
	ICP_reg	0.83	0.38	0	1	0.19	0.39	0	1
	asso_par	1	0	1	1	0.11	0.32	0	1
	ope_data	0.35	0.48	0	1	0	0	0	0
	safty_report	0.06	0.24	0	1	0.02	0.14	0	1
	fin_report	0.06	0.24	0	1	0.03	0.16	0	1