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

Table 4

The importance of coefficients.

Category	Variable	The importance of coefficient
		CART	Random Forests
Operating	Rate	0.00575833	0.03720244
characteristics	exis_time	0.00054727	0.00653306
	re_capital	0.00000000	0.00935029
	auto_invest	0.00000000	0.00161401
	inv_peroid	0.01377586	0.03078771
Customer feedback	wtd_score	0.00771625	0.04652210
	stand_score	0.00192677	0.08167963
	serve_score	0.07383511	0.07247281
	exp_score	0.00964909	0.12250993
	rec_ornot	0.11605336	0.11150608
Regulatory compliance capability	bank_save	0.00000000	0.00542350
	Protection	0.00215937	0.00133869
	safe_gaurd	0.00000000	0.00082923
	ICP_reg	0.00025593	0.05372013
	asso_par	0.72992238	0.35057620
	ope_data	0.03840029	0.06492066
	safty_report	0.00000000	0.00224815
	fin_report	0.00000000	0.00076537