Research Article
Research on the Method of Predicting Consumer Financial Loan Default Based on the Big Data Model
| | Indicator name | Variable name | Is it included in the model | Variable type |
| | Default flag | | Yes | Explained variable | | Gender | | Yes | Control variable | | Age | | Yes | Control variable | | Occupation | | Yes | Control variable | | Education level | | Yes | Control variable | | Marital status | | Yes | Control variable | | Annual income | | Yes | Control variable | | Loan amount | | Yes | Control variable | | Loan term | | Yes | Control variable | | Proportion of loan interest rate | | Yes | Control variable | | Actual occupied credit ratio | | Yes | Control variable | | Average monthly payroll | | Yes | Control variable | | Number of loan performances | | Yes | Control variable | | Monthly loan frequency | | Yes | Control variable |
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