(ECNS) -- Alibaba's credit rating service Sesame Credit said the general profile of the so-called "defaulters" in China are male, from eastern China aged 40 to 49 years old, with university or associates degrees.
The profile was based on analysis of three million people identified by the Supreme People's Court for failing to fulfill legal responsibilities as judged by court verdicts.
About 75 percent of the defaulters are men and 35 percent are middle-aged people, with the 40-49 age group the most prone to credit problems.
The report showed 37.24 percent of the group hold associates degrees, followed by those with university degrees (33.36 percent).
Most of the defaulters live in eastern China, because the region is more developed than the western region and creditors might be more aware of their rights, said experts.
The coastal Zhejiang Province reported more than one million cases filed over economic conflicts compared to an average of 200,000 in a western province.
China has increased efforts to identify those with poor credit, including closer cooperation with third-party ranking services such as Sesame Credit.
Sesame Credit reportedly helped deal with more than 540,000 people subject to enforcement, forcing over 35,000 of them to pay their debts.