Credit Risk Management of Consumer Finance Based on Big Data

Table 4

Statistical table of means of independent variables.

	Independent variable	Overdue within two years	Overdue for more than 90 days	No overdue
Customer information	Age	53.18	46.73	45.52
	Monthly income	6583	5758.14	6815.25
Customer credit history	Overdue times	0.4523	2.1578	0.1964
	Ratio of debt	25.34	23.18	24.76
	Open loans and number of credit loans	8.342	8.539	8.694