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

Table 3

Logit regression results.

Variables	Coef.	St dev.	Z value	P value	pdifference/average
Const	3.6970	0.756	4.892	≤0.001
Rate	0.1934	0.041	4.741	≤0.001	0.0053
inv_peroid	-0.1674	0.039	−4.316	≤0.001	−0.0028
wtd_score	-0.7899	0.181	−4.367	≤0.001	−0.0044
rec_ornot	-0.9424	0.259	−11.376	≤0.001	0.0509
ICP_reg	-1.8549	0.259	−7.149	≤0.001	−0.0069