目标和特征值名称 | 含义 | 均值 | 标准偏差 | 变量赋值说明 |
Serious Dlqin2yrs | 是否逾期 | 无 | 无 | 0:未违约 1:违约 |
Revolving Utilization of Unsecured Lines | 信用卡和个人信贷额度的总余额 | 6.05 | 260.67 | 实际值 |
age | 年龄 | 50.42 | 13.49 | 实际值 |
Number of Time 30~59 Days Past Due Not Worse | 过去两年借款人逾期30~59天次数 | 0.26 | 0.72 | 实际值 |
Debt Ratio | 负债率 | 26.41 | 386.111 | 实际值 |
Monthly Income | 月收入 | 6711.53 | 11,434.77 | 实际值 |
Number of Open Credit Lines and Loans | 未偿还贷款量和信贷额度 | 8.80 | 5.17 | 实际值 |
Number of Times 90 Days Late | 借款人逾期90天及以上次数 | 0.09 | 0.43 | 实际值 |
Number Real Estate Loans or Lines | 抵押贷款和房地产贷款数量 | 1.07 | 1.15 | 实际值 |
Number of Time 60~89 Days Past Due Not Worse | 过去两年借款人逾期60~89天次数 | 0.07 | 0.33 | 实际值 |
Number of Dependents | 家属人数 | 0.87 | 1.15 | 实际值 |