ID

Variable Name

The Values

y

default

y = 0 Not default; y = 1 Default

x 1

registered area

x 1 , 1 = Northeast; x 1 , 2 = North China Plain;

x 1 , 3 = Central China; x 1 ， 4 = Eastern China

x 2

gender

x 2 ， 1 = Male; x 2.2 = Female

x 3

Whether work is local

x 3 , 1 = Local; x 3.2 = Not local

x 4

edu level

x 4 , 1 = Junior high school/Senior high school/others;

x 4 , 2 = Junior college/Junior college and below;

x 4 ， 3 = Undergraduate;

x 4 , 4 = Master/Doctor

x 5

marital status

x 5 , 1 = Maid; x 5 , 2 = Married;

x 5 , 3 = Others (divorced/widowed)

x 6

Whether accumulation fund

x 6 , 1 = Not; x 6 , 2 = Yes

x 7

pay grades

x 7 , 1 = 0 - 3500;

x 7 ， 2 = 3501 - 8000;

x 7 , 3 = 8000 above

x 8

The number of individual housing loans

x 8 ∈ N

x 9

The number of individual commercial housing loans

x 9 ∈ N

x 10

Other loans

x 10 ∈ N

x 11

Debit card account number

x 11 ∈ N

x 12

The number of overdue loans

x 12 ∈ N

x 13

Months of overdue loans

x 13 ∈ N

x 14

The maximum amount of overdue loans per month

x 14 ∈ [ 0 , + ∞ ]

x 15

Maximum length of loan (year)

x 15 ∈ N

x 16

Total number of approval inquiries

x 16 ∈ N

x 17

Loan number

x 17 ∈ N

x 18

Loan account number

x 18 ∈ N

x 19

contract amount

x 19 ∈ [ 0 , + ∞ ]

x 20

loan balance

x 20 ∈ [ 0 , + ∞ ]

x 21

Have used limit

x 21 ∈ [ 0 , + ∞ ]

x 22

Average maximum contract amount for a single lender

x 22 ∈ [ 0 , + ∞ ]

x 23

Average minimum contract amount for a single lender

x 23 ∈ [ 0 , + ∞ ]

x 24

Average usage in the last 6 months

x 24 ∈ [ 0 , + ∞ ]