| 指标变量 | 分组情况 | 赋值情况 |
| 未结清贷款笔数 | n = 0 | 0 |
| 1 ≤ n ≤ 5 | 1 | |
| 6 ≤ n ≤ 10 | 2 | |
| 11 ≤ n ≤ 15 | 3 | |
| 16 ≤ n ≤ 20 | 4 | |
| 21 ≤ n ≤ 25 | 5 | |
| 26 ≤ n ≤ 30 | 6 | |
| 30 ≤ n ≤ 35 | 7 | |
| 36 ≤ n ≤ 40 | 8 | |
| 41 ≤ n ≤ 50 | 9 | |
| 51 ≤ n ≤ 158 | 10 | |
| 未销户贷记卡账户数 | n = 0 | 0 |
| 1 ≤ n ≤ 5 | 1 | |
| 6 ≤ n ≤ 10 | 2 | |
| 11 ≤ n ≤ 15 | 3 | |
| 16 ≤ n ≤ 20 | 4 | |
| 21 ≤ n ≤ 25 | 5 | |
| 26 ≤ n ≤ 30 | 6 | |
| 30 ≤ n ≤ 40 | 7 | |
| 41 ≤ n ≤ 64 | 8 | |
| 贷款逾期笔数 | n = 0 | 0 |
| n = 1 | 1 | |
| n = 2 | 2 | |
| n = 3 | 3 | |
| n = 4 | 4 | |
| n = 5 | 5 | |
| n = 6 | 6 | |
| n = 7 | 7 | |
| n = 8 | 8 | |
| n = 9 | 9 | |
| n = 10 | 10 | |
| 11 ≤ n ≤ 20 | 11 | |
| 21 ≤ n ≤ 53 | 12 | |
| 贷记卡逾期账户数 | n = 0 | 0 |
| n = 1 | 1 | |
| n = 2 | 2 | |
| n = 3 | 3 | |
| n = 4 | 4 | |
| n = 5 | 5 | |
| n = 6 | 6 | |
| n = 7 | 7 | |
| n = 8 | 8 | |
| n = 9 | 9 | |
| n = 10 | 10 | |
| 11 ≤ n ≤ 17 | 11 |