In the original publication of the note of Table 1 The reason for using 465 yuan as the low credit amount and 5,500 yuan as the high credit amount is explained in Sect. 4.1 is incorrectly published. The corrected note of Table 1 The reason for using 465 yuan as the low credit amount and 5,500 yuan as the high credit amount is explained in Sect. 4.2 is given in this Correction. The original article has been corrected. Publisher's Note Springer Nature remains neutral with regard to jurisdictional claims in published maps and institutional affiliations.