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Table 2 Model data results of the P2P net loan platform default risk assessment model

From: P2P net loan default risk based on Spark and complex network analysis based on wireless network element data environment

Category Optimal decision tree Naive Bayes Logistic
Modeling time (s) 3.21 4.65 6.39
Accuracy rate (%) 78.6 68.2 73.1
Error rate (%) 0.575 0.681 0.673