Toward an Efficient and Effective Credit Scorer for Cross-Border E-Commerce Enterprises

Table 2

IV coefficient values and value for some features.

Feature	IV	Coefficient value in final model	value
Inspection hit rate of goods	0.925	1.2453	<0.01
Percentage of related tiny transport enterprises	0.794	1.2921	<0.01
High amount from the same payer	0.766	1.1201	<0.01
Record of execution on dishonesty	0.701	0.6463	0.0512
Average age of the buyer	0.563	0.6998	0.0295
Consistency of the buyer and payer	0.343	0.6525	0.0242
Abnormal contact details	0.004	−1.0202	0.0139
Related transport enterprise has a record of dishonesty	0.121	1.4309	0.0332

value is the significance level of the features calculated according to the actual statistics, and a value lower than 0.05 indicates a significant difference.