The Default Risk of Bank Customers Based on Embedded Microprocessor Wireless Communication under the Internet Finance Background

Table 3

Basic information of virtual credit individuals.

Serial number	Virtual evaluation index	Meaning and remarks
1	Education	Whether graduate or above (1: Yes; 0: No)
2		Whether university (1: Yes; 0: No)
3		Whether junior college (1: Yes; 0: No)
4		Whether secondary or high school (1: Yes; 0: No)
5		Whether junior high school and below (1: Yes; 0: No)
6	Income	Whether the monthly income is less than 2,000 yuan (1: Yes; 0: No)
7		Whether the monthly income is 2∼5 thousand yuan (1: Yes; 0: No)
8		Whether the monthly income is 0.5∼10,000 (1: Yes; 0: No)
9		Whether the monthly income is 10,000 yuan or more (1: Yes; 0: No)
10	Real estate	Whether the house has its own property rights (1: Yes; 0: No)
11		Is there a housing mortgage (1: Yes; 0: No)
12		Whether living with parents (1: Yes; 0: No)
13		Whether to rent a house (1: Yes; 0: No)
14		Whether the unit is allocated (1: Yes; 0: No)
15	Credit status	Credit bureau records (1: Bad; 0: No)