| | Variables | Description |
| | Business type | Consumer durables, personal housing decoration loans, and other personal consumption loans | | Interest rate | | | Loan line | | | Loan term | | | Early repayment | Yes, no | | Entrusted payment | Yes, no | | Age | | | Gender | Male, female | | Education | Master/doctor, bachelor, vocational education, high school, and below | | Medical insurance | Yes, no | | Housing status | Self-purchasing (with mortgage), self-purchasing (without mortgage), and others | | Employment | Employed and others | | Type of workplace | Government organization/institution, firm, and others | | Occupation | Managers, commercial and service workers, and others | | Professional title | Advanced, intermediate, primary, and no professional title | | Annual household income (RMB) | , , , , and unknown |
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