Research Article

Research on Efficiency in Credit Risk Prediction Using Logistic-SBM Model

Table 2

Feature information table.

No.FeaturesFeature interpretationClass number

1DEA_scoreEfficiency score of borrowing5
2EducationBorrower’s highest education5
3MarriageMarital status of the borrower4
4Home typeType of residence of the borrower4
5CompanyType of work unit of the borrower5
6Pay methodHow the borrower pays wages3
7Job typeJob type of the borrower4
8Product nameTypes of borrowers’ lending products4
9Sales departmentWhich business department is responsible for the borrower’s lending behavior3
10BankOwnership of bank card signed by the borrower5
11Family awareIs the borrower aware of his borrowing behavior3
12Pro_idThe registered residence of a borrower5
13Birth monthMonth of birth of the borrower3
14BirthdayDate of birth of the borrower4
15Inapv_edrExternal debt ratio of borrowers5
16Inapv_idrInternal debt ratio of the borrower5
17Inapv_tdrTotal debt ratio of the borrower5
18AgeAge of borrower6
19Entry dateWorking days of the borrower5