Research Article
Research on Efficiency in Credit Risk Prediction Using Logistic-SBM Model
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| 1 | DEA_score | 1.00 | 0.03 | 0.01 | 0.04 | 0.12 | -0.16 | -0.04 | -0.29 | 0.00 | 0.08 | -0.25 | 0.04 | 0.01 | 0.00 | 0.25 | -0.12 | 0.14 | 0.02 | 0.07 | 2 | Education | 0.03 | 1.00 | 0.06 | 0.11 | 0.18 | -0.16 | -0.01 | -0.04 | -0.04 | 0.05 | 0.03 | 0.06 | -0.01 | 0.01 | 0.10 | -0.02 | 0.10 | -0.10 | 0.10 | 3 | Marriage | 0.01 | 0.06 | 1.00 | -0.04 | 0.03 | -0.02 | -0.03 | 0.02 | -0.06 | 0.03 | 0.04 | 0.02 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 | -0.37 | -0.14 | 4 | Home type | 0.04 | 0.11 | -0.04 | 1.00 | 0.20 | -0.14 | -0.05 | -0.16 | -0.05 | 0.01 | 0.02 | 0.21 | -0.01 | 0.01 | 0.05 | -0.04 | 0.04 | 0.08 | 0.17 | 5 | Company | 0.12 | 0.18 | 0.03 | 0.20 | 1.00 | -0.41 | -0.16 | -0.30 | -0.18 | 0.12 | 0.02 | 0.24 | -0.02 | 0.02 | 0.23 | -0.07 | 0.19 | 0.04 | 0.35 | 6 | Pay_method | -0.16 | -0.16 | -0.02 | -0.14 | -0.41 | 1.00 | 0.11 | 0.29 | 0.25 | -0.15 | 0.03 | -0.19 | -0.01 | 0.00 | -0.32 | 0.09 | -0.23 | 0.01 | -0.26 | 7 | Job type | -0.04 | -0.01 | -0.03 | -0.05 | -0.16 | 0.11 | 1.00 | 0.09 | 0.06 | 0.00 | 0.00 | -0.03 | 0.00 | -0.01 | 0.00 | -0.04 | -0.04 | 0.02 | -0.05 | 8 | Product name | -0.29 | -0.04 | 0.02 | -0.16 | -0.30 | 0.29 | 0.09 | 1.00 | 0.05 | -0.10 | 0.27 | -0.13 | -0.02 | -0.02 | -0.34 | 0.25 | -0.17 | -0.13 | -0.18 | 9 | Sales department | 0.00 | -0.04 | -0.06 | -0.05 | -0.18 | 0.25 | 0.06 | 0.05 | 1.00 | -0.06 | -0.31 | -0.33 | 0.00 | 0.01 | -0.09 | 0.01 | -0.11 | 0.03 | -0.08 | 10 | Bank | 0.08 | 0.05 | 0.03 | 0.01 | 0.12 | -0.15 | 0.00 | -0.10 | -0.06 | 1.00 | -0.02 | 0.09 | -0.01 | 0.00 | 0.18 | -0.07 | 0.10 | 0.00 | 0.09 | 11 | Family aware | -0.25 | 0.03 | 0.04 | 0.02 | 0.02 | 0.03 | 0.00 | 0.27 | -0.31 | -0.02 | 1.00 | 0.10 | 0.00 | -0.03 | -0.26 | 0.19 | -0.05 | -0.06 | -0.04 | 12 | Pro_id | 0.04 | 0.06 | 0.02 | 0.21 | 0.24 | -0.19 | -0.03 | -0.13 | -0.33 | 0.09 | 0.10 | 1.00 | 0.00 | 0.01 | 0.09 | -0.03 | 0.08 | 0.05 | 0.17 | 13 | Birth month | 0.01 | -0.01 | 0.01 | -0.01 | -0.02 | -0.01 | 0.00 | -0.02 | 0.00 | -0.01 | 0.00 | 0.00 | 1.00 | 0.02 | 0.01 | 0.00 | 0.00 | -0.01 | -0.01 | 14 | Birthday | 0.00 | 0.01 | 0.00 | 0.01 | 0.02 | 0.00 | -0.01 | -0.02 | 0.01 | 0.00 | -0.03 | 0.01 | 0.02 | 1.00 | 0.01 | 0.00 | 0.00 | 0.02 | 0.00 | 15 | Inapv_edr | 0.25 | 0.10 | 0.00 | 0.05 | 0.23 | -0.32 | 0.00 | -0.34 | -0.09 | 0.18 | -0.26 | 0.09 | 0.01 | 0.01 | 1.00 | -0.20 | 0.72 | 0.06 | 0.19 | 16 | Inapv_idr | -0.12 | -0.02 | 0.01 | -0.04 | -0.07 | 0.09 | -0.04 | 0.25 | 0.01 | -0.07 | 0.19 | -0.03 | 0.00 | 0.00 | -0.20 | 1.00 | 0.35 | -0.09 | -0.11 | 17 | Inapv_tdr | 0.14 | 0.10 | 0.01 | 0.04 | 0.19 | -0.23 | -0.04 | -0.17 | -0.11 | 0.10 | -0.05 | 0.08 | 0.00 | 0.00 | 0.72 | 0.35 | 1.00 | 0.04 | 0.14 | 18 | Age | 0.02 | -0.10 | -0.37 | 0.08 | 0.04 | 0.01 | 0.02 | -0.13 | 0.03 | 0.00 | -0.06 | 0.05 | -0.01 | 0.02 | 0.06 | -0.09 | 0.04 | 1.00 | 0.33 | 19 | Entry date | 0.07 | 0.10 | -0.14 | 0.17 | 0.35 | -0.26 | -0.05 | -0.18 | -0.08 | 0.09 | -0.04 | 0.17 | -0.01 | 0.00 | 0.19 | -0.11 | 0.14 | 0.33 | 1.00 |
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