[Retracted] How Does the Urgency of Borrowing in Text Messages Affect Loan Defaults? Evidence from P2P Loans in China

Table 1

Urgency dictionary.

	Vocabulary	Score
Urgency vocabulary	Short-term, near term	0.2
	In short supply, strain	0.5
	It is urgent, urgent	1
	Try, have a try	−0.5
	The cumulative credit	−1
Degree adverbs	Somewhat, compare	2
	Very	3
	Completely	4
	Extremely, the most	5