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In P2P loans with information asymmetry, the text information described by the borrower plays an important role in alleviating the information asymmetry between borrowers and lenders. To explore the borrowing described in text information and its relationship with default behavior, this article selects credits from April 2014 to October 2016 as the repayment period and studies default data. This is performed based on the length of the excavated text, purpose of the loan, repayment ability,doi:10.1155/2021/4060676 fatcat:az3xr5x5xnehlik2rqdrnu34qi