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| Variables | Description |
| Operating status x1 | 0 if the status was normal; 1 if the status was problematic | |
| Platform Strength | Registered capital (x1) | Capital invested in registration Number of employees employed by the company |
| Employees (x2) | ||
| Type of company (x3) | 1 if the company was Natural person Sole Corporation; 2 if the company was Corporate Owned Corporation Limited; 3 if the company was Natural Investment or Holding limited liability company; 4 if the company was Other Limited Liability Company; 5 if the company was Incorporated Limited company | |
| Background (x4) | 1 if the platform have a strong background(Bank, state-owned assets, listed companies, venture capital); 0 otherwise | |
| Operation time (x5) | effective operating time of the platform | |
| Type of project (x6) | The number of items such as car loan, mortgage loan, personal credit loans, etc. | |
| Profitability | Interest rate (x7) | 1 if the interest rate was less than 12%; 2 if the interest rate was between 12% and 16%; 3 if the interest rate was between 16% and 20%; 4 if the interest rate was greater than 20% |
| Risk control | Fund custody (x8) | 1 if the platform supported third-party managed funds; 0 otherwise |
| Security mechanism (x9) | 1 if the platform has a security mechanism; 0 otherwise | |
| Liquidity | Term of loan (x10) | 1 if the term of the loan is calculated in days; 2 if the term of the loan was mainly 3 months; 3 if the term of the loan was mainly between 4 months and 6 months; 4 if the term of the loan was mainly between 7 months and 12 months; 5 if the term of the loan was mainly over 12 months |
| Day-bid (x11) | 1 if the platform supported day-bid; 0 otherwise | |
| Transfer of creditor’s rights (x12) | 1 if the platform supported transfer of creditor’s rights; 0 otherwise | |
| Automatic bidding (x13) | 1 if the platform supported automatic bidding; 0 otherwise | |
| transparency | Information disclosure (x14) | The total of information disclosure items such as platform profile, company information, website filing, platform executive, platform fee, contact information, etc. |