| Initial rating |
The credit risk level at the time of the transaction is A–F from high to low |
| Loan amount |
Total amount of this loan |
| Borrowing term |
The total number of the loan term (in months) |
| Borrowing rate |
Annualized interest rate (percent) |
| Borrowing type |
The types of loans are divided into ‘Ecommerce’, ‘APP’, ‘Ordinary’, and ‘Other’ |
| First flag |
The borrower’s first loan vs not |
| Age |
The age of the borrower at the time of this loan |
| Gender |
Gender of the borrower |
| Mobile phone authentication |
The borrower’s mobile phone real name authentication successes and failures |
| Account authentication |
The borrower’s account authentication successes and failures |
| Video authentication |
The borrower’s video authentication successes and failures |
| Education certification |
The borrower’s academic certification success and failure. Success means a college degree or above |
| Credit authentication |
The borrower’s credit authentication successes and failures. Success means having a credit report online |
|
Taobao.com certification |
The borrower’s Taobao.com certification successes and failures. Success means that the borrower is a Taobao shopkeeper. |
| Historical number of successful loans |
The number of successful loans made by the borrower prior to this loan |
| Historical amount of successful borrowing |
The amount that the borrower successfully borrowed before this loan |
| History total outstanding amount |
The amount of principal to be repaid by the borrower prior to this loan |
| Number of historical normal repayment periods |
Before this loan, the number of normal repayment periods of the borrower |
| Number of historical default periods |
Before this loan, the number of default periods of the borrower |
