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; ${x}_{1\uff0c4}$ = Eastern China |

${x}_{2}$ | gender | ${x}_{2\uff0c1}$ = 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; ${x}_{4\uff0c3}$ = 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; ${x}_{7\uff0c2}$ = 3501 - 8000; ${x}_{7,3}$ = 8000 above |

${x}_{8}$ | The number of individual housing loans | ${x}_{8}\in N$ |

${x}_{9}$ | The number of individual commercial housing loans | ${x}_{9}\in N$ |

${x}_{10}$ | Other loans | ${x}_{10}\in N$ |

${x}_{11}$ | Debit card account number | ${x}_{11}\in N$ |

${x}_{12}$ | The number of overdue loans | ${x}_{12}\in N$ |

${x}_{13}$ | Months of overdue loans | ${x}_{13}\in N$ |

${x}_{14}$ | The maximum amount of overdue loans per month | ${x}_{14}\in \left[0,+\infty \right]$ |

${x}_{15}$ | Maximum length of loan (year) | ${x}_{15}\in N$ |

${x}_{16}$ | Total number of approval inquiries | ${x}_{16}\in N$ |

${x}_{17}$ | Loan number | ${x}_{17}\in N$ |

${x}_{18}$ | Loan account number | ${x}_{18}\in N$ |

${x}_{19}$ | contract amount | ${x}_{19}\in \left[0,+\infty \right]$ |

${x}_{20}$ | loan balance | ${x}_{20}\in \left[0,+\infty \right]$ |

${x}_{21}$ | Have used limit | ${x}_{21}\in \left[0,+\infty \right]$ |

${x}_{22}$ | Average maximum contract amount for a single lender | ${x}_{22}\in \left[0,+\infty \right]$ |

${x}_{23}$ | Average minimum contract amount for a single lender | ${x}_{23}\in \left[0,+\infty \right]$ |

${x}_{24}$ | Average usage in the last 6 months | ${x}_{24}\in \left[0,+\infty \right]$ |