Table 3.

Variable weights of the GBM model.

Questions	Prediction weight
	Predicting success		Predicting failure
	Label = 0	Label = 1	Label = 0	Label = 1
Credit grade classified by Renrendai	+ (1.91,5.96]	+ (1,1.91]	+ (1.91,5.96]	+ (0,1]
Whether Renrendai has verified the borrower's information only online	+ 0	+ 1	+ 0	+ 1
Whether Renrendal has confirmed the borrower's mobile phone	+ 0	− 0	+ 0	− 0
Whether Renrendal has confirmed the borrower's marriage	+ 0			+ 0
Whether Renrendal has confirmed the borrower's assets	− 0
Whether Renrendai has verified the borrower's residence		− 0		− 0
Whether Renrendai has verified the borrower's education		− (0,14.8]		+ (14.8,27.5]
Number of bidders in a project
Loan amount borrowed			− (60,612,
Time for repayment, in months			+ (21.5,31.6]
Borrower’s age	+ (40.4,100]
Borrower’s income by month in RMB			+ (4.12,5.21]
Whether borrower possess a house			− 1
Whether borrower possesses a car	+ 1
Whether borrower takes on a home loan		+ 0
Whether borrower take on a car loan		− 0
Borrower’s city of residence	+ 5	+ 1
qb			+ 1
fc				+ 0

Label = 0 means Repayments Success.

Label = 1 means Repayments Failure.

‘+’ means Supports, ‘−’ means contradicts.