| | Indicator name | Actual value of index | Quantitative value of index |
| | Gender | Male and female | Male—0, female—`1 | | Age | Actual value | 25, 35, 45, 50, 60, 70 | | Occupation | Civil servants, employees of public institutions; other industry staff, soldiers, workers, farmers, civil | 01, 02, 03, 04, 05, 06, 07, 08, 09, 10 | | Education level | Unknown, doctor and above, master postgraduate, undergraduate, technical secondary school, high school, junior high school | 01, 02, 03, 04, 05, 06 | | Marital status | Unknown, unmarried, married | Unknown—1
Unmarried—2
Married—3 | | Annual income | Actual value | 1, 2, 3, 4, 5, 6, 7, 8, 9 | | Loan amount | Actual value | 1, 2, 3, 4, 5, 6, 7, 8, 9 | | Loan term | Actual value | Actual value | | Lending rate | Actual value | Actual value | | Ratio monthly repayment to income | Actual value | Set to 1 below 20% and add 1 for each subsequent 10% increase | | Average monthly payroll | Actual value | Divided by reference to annual income | | Number of loan performance | Actual value | Actual value | | Monthly loan frequency | Actual value | Actual value |
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