使用机器学习相关知识完成购房贷款违约预测.zip

上传者: 38735017 | 上传时间: 2023-04-06 02:22:48 | 文件大小: 8.04MB | 文件类型: ZIP
任务:使用机器学习相关知识完成购房贷款违约预测,给定特征字段,输出是否会发生逾期的预测。 1.2 实验要求 1.2 题目背景 随着世界经济的蓬勃发展和中国改革开放的逐渐深入,无论是企业的发展还是从人们消费观念的转变,贷款已经成为企业和个人解决经济问题的一种重要方式。随着银行各种贷款业务的推出和人们日益膨胀的需求,不良贷款也就是贷款违约的概率也随之激增。为了避免贷款违约,银行等金融机构在发放贷款时会对借款人的信用风险进行评估或打分,预测贷款违约的概率并根据结果做出是否发放贷款的判断。如何在发放贷款前有效的评价和识别借款人潜在的违约风险,是金融机构信用风险管理的基础和重要环节,用一套科学的模型和系统来判定贷款违约的风险性可以将风险最小化和利润最大化。 1.2 数据集 数据集在../dataset 目录下,train.csv 为训练集数据,包含 120000 条数据,每条数据除去 id 和结果共有 50 个特征。test.csv 为预测集数据,包含 30000 条数据等待预测。 1.2 任务描述 本任务研究如何借助非平衡数据分类的思想对银行等金融机构的购房贷款数据进行分析,并基于随机森

文件下载

资源详情

[{"title":"( 36 个子文件 8.04MB ) 使用机器学习相关知识完成购房贷款违约预测.zip","children":[{"title":"machinelearning","children":[{"title":"pic","children":[{"title":"区域.png <span style='color:#111;'> 22.32KB </span>","children":null,"spread":false},{"title":"半年申请贷款数量.png <span style='color:#111;'> 22.69KB </span>","children":null,"spread":false},{"title":"0.57.png <span style='color:#111;'> 7.75KB </span>","children":null,"spread":false},{"title":"所有账户逾期次数.png <span style='color:#111;'> 23.00KB </span>","children":null,"spread":false},{"title":"importantce.png <span style='color:#111;'> 19.82KB </span>","children":null,"spread":false},{"title":"age_get.png <span style='color:#111;'> 83.81KB </span>","children":null,"spread":false},{"title":"工作类型.png <span style='color:#111;'> 24.58KB </span>","children":null,"spread":false},{"title":"findINF.png <span style='color:#111;'> 54.76KB </span>","children":null,"spread":false},{"title":"客户查询贷款次数.png <span style='color:#111;'> 22.79KB </span>","children":null,"spread":false},{"title":"逾期次数.png <span style='color:#111;'> 23.00KB </span>","children":null,"spread":false},{"title":"age.png <span style='color:#111;'> 51.64KB </span>","children":null,"spread":false},{"title":"主账户允许申请有效贷款数量.png <span style='color:#111;'> 28.13KB </span>","children":null,"spread":false},{"title":"grid.png <span style='color:#111;'> 45.51KB </span>","children":null,"spread":false},{"title":"calFeature.png <span style='color:#111;'> 194.55KB </span>","children":null,"spread":false},{"title":"数据信息类型.png <span style='color:#111;'> 7.81KB </span>","children":null,"spread":false},{"title":"age_range_code.png <span style='color:#111;'> 109.77KB </span>","children":null,"spread":false},{"title":"age_range.png <span style='color:#111;'> 27.98KB </span>","children":null,"spread":false},{"title":"子账户允许申请贷款数量.png <span style='color:#111;'> 26.04KB </span>","children":null,"spread":false},{"title":"信用评分.png <span style='color:#111;'> 23.91KB </span>","children":null,"spread":false},{"title":"score.png <span style='color:#111;'> 7.97KB </span>","children":null,"spread":false},{"title":"所有账户申请失活数量.png <span style='color:#111;'> 25.26KB </span>","children":null,"spread":false},{"title":"开发商.png <span style='color:#111;'> 21.82KB </span>","children":null,"spread":false}],"spread":false},{"title":"src","children":[{"title":"dataDeal.py <span style='color:#111;'> 4.61KB </span>","children":null,"spread":false},{"title":"find_feature.py <span style='color:#111;'> 2.33KB </span>","children":null,"spread":false},{"title":"__pycache__","children":[{"title":"find_feature.cpython-37.pyc <span style='color:#111;'> 2.42KB </span>","children":null,"spread":false}],"spread":true}],"spread":true},{"title":"CS1906_U201915124_吴清正_ML结课课设.docx <span style='color:#111;'> 550.84KB </span>","children":null,"spread":false},{"title":"LICENSE <span style='color:#111;'> 1.05KB </span>","children":null,"spread":false},{"title":"dataset","children":[{"title":"tmp.csv <span style='color:#111;'> 8.06KB </span>","children":null,"spread":false},{"title":"train.csv <span style='color:#111;'> 17.81MB </span>","children":null,"spread":false},{"title":"res.csv <span style='color:#111;'> 223.53KB </span>","children":null,"spread":false},{"title":"important.txt <span style='color:#111;'> 1.68KB </span>","children":null,"spread":false},{"title":"README.md <span style='color:#111;'> 4.99KB </span>","children":null,"spread":false},{"title":"test.csv <span style='color:#111;'> 4.40MB </span>","children":null,"spread":false}],"spread":true},{"title":"CS1906_U201915124_吴清正_ML结课课设.pdf <span style='color:#111;'> 651.74KB </span>","children":null,"spread":false},{"title":"read.png <span style='color:#111;'> 54.70KB </span>","children":null,"spread":false},{"title":"README.md <span style='color:#111;'> 13.35KB </span>","children":null,"spread":false}],"spread":true}],"spread":true}]

评论信息

免责申明

【只为小站】的资源来自网友分享,仅供学习研究,请务必在下载后24小时内给予删除,不得用于其他任何用途,否则后果自负。基于互联网的特殊性,【只为小站】 无法对用户传输的作品、信息、内容的权属或合法性、合规性、真实性、科学性、完整权、有效性等进行实质审查;无论 【只为小站】 经营者是否已进行审查,用户均应自行承担因其传输的作品、信息、内容而可能或已经产生的侵权或权属纠纷等法律责任。
本站所有资源不代表本站的观点或立场,基于网友分享,根据中国法律《信息网络传播权保护条例》第二十二条之规定,若资源存在侵权或相关问题请联系本站客服人员,zhiweidada#qq.com,请把#换成@,本站将给予最大的支持与配合,做到及时反馈和处理。关于更多版权及免责申明参见 版权及免责申明