| Factor | Level | Attribute | Factor | Level | Attribute |
| Income (CNY) | 1 | 0 - 5000 | Policy | 1 | Never heard |
| 2 | 5001 - 10,000 | 2 | Heard a little | ||
| 3 | 10,001 - 20,000 | 3 | General understanding | ||
| 4 | 20,001 - 50,000 | 4 | Basic understanding | ||
| 5 | 50,000+ | 5 | Know very well | ||
| WayofLoan | 1 | Formal institution | Land Area (667 m2) | 1 | 0 - 3 |
| 2 | Private lending | 2 | 4 - 10 | ||
| 3 | Never lend | 3 | 10+ | ||
| Expend (CNY) | 1 | 0 - 5000 | Age | 1 | Under 29 |
| 2 | 5001 - 10,000 | 2 | 30 - 39 | ||
| 3 | 10,001 - 20,000 | 3 | 40 - 49 | ||
| 4 | 20,001 - 50,000 | 4 | 50 - 59 | ||
| 5 | 50,000+ | 5 | 60+ | ||
| FamilySize | 1 | 1 - 3 | Edu | 1 | Unschooled |
| 2 | 4 - 5 | 2 | Primary school education | ||
| 3 | 5+ | 3 | middle school education | ||
| LoanDemand | 1 | No demand | 4 | high school education | |
| 2 | Demand | 5 | college educated | ||
| Gender | 1 | Male | Conven | 1 | Inconvenient |
| 2 | Female | 2 | Convenient |