Give Me Some Credit 字段中文含义

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原创最新推荐文章于 2026-11-05 13:32:41 发布 723 阅读 AI 写同款· GEO 优化 ›

GiveMeSomeCredit——信用评分卡模型如今在银行、消费金融公司等各种贷款业务机构，普遍使用信用评分，对客户实行打分制，以期对客户有一个优质与否的评判。评分卡分为三类分别为：A卡（Application score card）申请评分卡B卡（Behavior score card）行为评分卡C卡（Collection score card）催收评分卡评分机制的区别在于：1.使用的时间不同。分别侧重贷前、贷中、贷后；2.数据要求不同。A卡... 阅读详情

Variable Name	中文解释	Description	Type
SeriousDlqin2yrs	要预测的标签，逾期90天或更糟糕的人。	Person experienced 90 days past due delinquency or worse	Y/N
RevolvingUtilizationOfUnsecuredLines	信用卡和个人信用贷款（花呗、借呗、微粒贷等）已经透支的钱占总信用额度的比例。比例越高，说明透支越大，越有可能还不上。	Total balance on credit cards and personal lines of credit except real estate and no installment debt like car loans divided by the sum of credit limits	percentage
age	年龄	Age of borrower in years	integer
NumberOfTime30-59DaysPastDueNotWorse	借款人逾期30-59天的次数（但在过去两年没有更糟糕）。	Number of times borrower has been 30-59 days past due but no worse in the last 2 years.	integer
DebtRatio	每月债务支付、赡养费、生活费总和除以收入总和，比例越高，越有可能还不上。	Monthly debt payments, alimony,living costs divided by monthy gross income	percentage
MonthlyIncome	月收入	Monthly income	real
NumberOfOpenCreditLinesAndLoans	公开贷款（分期贷款，例如汽车贷款、抵押贷款等）和信用额度（例如信用卡、花呗等）的申请数量。	Number of Open loans (installment like car loan or mortgage) and Lines of credit (e.g. credit cards)	integer
NumberOfTimes90DaysLate	借款人逾期90天及以上的次数。	Number of times borrower has been 90 days or more past due.	integer
NumberRealEstateLoansOrLines	抵押贷款和房地产贷款（包括房屋净值的信用贷款）的数量。	Number of mortgage and real estate loans including home equity lines of credit	integer
NumberOfTime60-89DaysPastDueNotWorse	借款人逾期60-89天的次数（但在过去两年没有更糟糕）。	Number of times borrower has been 60-89 days past due but no worse in the last 2 years.	integer
NumberOfDependents	家庭中除自己以外的受抚养人数（配偶、子女等）。	Number of dependents in family excluding themselves (spouse, children etc.)	integer