Promoting Variable Effect Consistency in Mixture Cure Model for Credit Scoring

Table 10

Estimation of coefficients of the methods.

	MCG		MCGS
		−1.17	−4.07	−1.43	−3.67
Business type
Consumer durables	0.15	0.70	0.11	0.12
Personal housing decoration loans	−0.02	0.21	0	0
Interest rate	0.54	0.17	0.34	0.28
Loan line	−0.06	0	−0.03	−0.03
Loan term	0	0	0	0
Early repayment (yes)	0	−0.24	0	0
Entrusted payment (yes)	−0.13	0	0	0
Age	0	0	0	0
Gender (male)	0	0.82	0.25	0.30
Education
Master/doctor	−0.03	−0.32	−0.02	−0.02
Bachelor	−0.04	−0.22	−0.06	−0.06
Vocational education	0.02	0.32	0.05	0.05
Medical insurance (yes)	0	0.34	0	0
Housing status
Self-purchasing (with mortgage)	0	−0.01	0	0
Self-purchasing (without mortgage)	0	0.04	0	0
Employment (employed)	−0.08	−0.31	−0.24	−0.21
Type of workplace
Government organization and institution	−0.14	−1.53	0	0
Firm	−0.14	−0.40	0	0
Occupation
Managers	0.09	0.09	0.04	0.04
Commercial and service workers	−0.25	−0.29	−0.11	−0.11
Professional title
Advanced	0.04	0.41	0.04	0.04
Intermediate	−0.02	−0.25	−0.04	−0.04
Primary	0	−0.03	0	0
Annual household income (RMB)
	0	0.05	0	0
	0	0.38	0	0
	0	−0.29	0	0
	0	−0.19	0	0