First level indicators

Second level

indicators

Indicator Description

basic information (X1)

Age (x1)

Ÿ 1 for 19 - 25 years old, 2 for 26 - 30 years old, 3 for 31 - 40 years old, 4 for 41 - 50 years old, 5 for above 50 years old.

Gender (x2)

Ÿ 1 for men, 2 for women.

Marriage status (x3)

Ÿ 1 for married, 2 for single, 3 for divorce.

Education (x4)

Ÿ 1 - 4 for master, postgraduate, high school, and below education.

Work information (X2)

Company size (x5)

Ÿ 1 - 4 for below 10, 10 - 100, 100 - 500, above 500.

Industry (x6)

Ÿ 1 - 19 for 19 different industries, including manufacturing, architecture, IT, real estate and so on.

Working years (x7)

Ÿ 1 for less than 1 year, 2 for 1 - 3 years, 3 for 3 - 5 years, 4 for above 5 years.

Assets information (X3)

Revenue (x8)

Ÿ 1 for monthly income less than 1000 RMB, 2 for monthly income between 1000 RMB to 2000 RMB, 3 for monthly income between 2000 RMB to 5000 RMB, 4 for monthly income between 5000 RMB to 10,000 RMB, 5 for monthly income between 10,000 RMB to 20,000 RMB, 6 for monthly income between 20,000 RMB to 50,000 RMB, 7 for monthly income more than 50,000 RMB.

Real estate ownership (x9) Mortgage (x10) Car ownership (x11) Car loan (x12)

Ÿ Refer to personal asset information, if there is a value of 1, otherwise the value of 0.

Credit information (X4)

credits (x13) loan times (x14) overdue times (x15) payoff times (x16) successfully loan times (x17) overdue revenue (x18) bad debts (x19) to be repayable ability (x20)

Ÿ Provided by the platform to represent to the previous personal credit information, which are all continuous variables.

Credit level (x21)

Ÿ including AA, A, B, C, D, E, HR seven grades, respectively 1 - 7.

Loan history (x22)

Ÿ 1 for having a loan value once, otherwise 0.

Loan information (X5)

Loan purpose (x23)

Ÿ Including consumption, investment, education and other 9 major usages, ranging from 1 - 9.

Loan description length (x24)

Ÿ This is the borrower’s statement of the details of the loan, which reflects the borrower’s attitude, expressed in words length of the statement.

Request loan amount (x25) loan amount (x26) loan rate (x27) payment term (x28)

Ÿ This is the borrower’s loan related information, as a continuous variable.

Audit information certification (X6)

Income certification (x29) real estate certification (x30) title certification (x31) video certification (x32) credit report certification (x33) ID certification (x34) mobile phone certification (x35) phone bill certification (x36) loan certification (x37) bank account certification (x38) ID scan copy certification (x39) residence certification (x40) work certification (x41) education certification (x42) details certification (x43) marriage certification (x44) car certification (x45) children information certification (x46) mobile certification (x47)

Ÿ This is the platform for the borrower to provide information on the audit certification. 1 for pass, otherwise 0.