信贷数据集

Field Description
id 为贷款清单分配的唯一信用证标识
loanAmnt 贷款金额
term 贷款期限（year）
interestRate 贷款利率
installment 分期付款金额
grade 贷款等级
subGrade 贷款等级之子级
employmentTitle 就业职称
employmentLength 就业年限（年）
homeOwnership 借款人在登记时提供的房屋所有权状况
annualIncome 年收入
verificationStatus 验证状态
issueDate 贷款发放的月份
purpose 借款人在贷款申请时的贷款用途类别
postCode 借款人在贷款申请中提供的邮政编码的前3位数字
regionCode 地区编码
dti 债务收入比
delinquency_2years 借款人过去2年信用档案中逾期30天以上的违约事件数
ficoRangeLow 借款人在贷款发放时的fico所属的下限范围
ficoRangeHigh 借款人在贷款发放时的fico所属的上限范围
openAcc 借款人信用档案中未结信用额度的数量
pubRec 贬损公共记录的数量
pubRecBankruptcies 公开记录清除的数量
revolBal 信贷周转余额合计
revolUtil 循环额度利用率，或借款人使用的相对于所有可用循环信贷的信贷金额
totalAcc 借款人信用档案中当前的信用额度总数
initialListStatus 贷款的初始列表状态
applicationType 表明贷款是个人申请还是与两个共同借款人的联合申请
earliesCreditLine 借款人最早报告的信用额度开立的月份
title 借款人提供的贷款名称
policyCode 公开可用的策略_代码=1新产品不公开可用的策略_代码=2
n系列匿名特征 匿名特征n0-n14，为一些贷款人行为计数特征的处理

Field Description
id Unique identification assigned to the loan listing
loanAmnt Loan amount
term Loan term (year)
interestRate Loan interest rate
installment Installment payment amount
grade Loan grade
subGrade Loan sub-grade
employmentTitle Job title
employmentLength Length of employment (years)
homeOwnership Home ownership status provided by the borrower during registration
annualIncome Annual income
verificationStatus Verification status
issueDate Month when the loan was issued
purpose Category of loan purpose indicated by the borrower when applying for the loan
postCode First 3 digits of the postal code provided by the borrower in the loan application
regionCode Region code
dti Debt-to-income ratio
delinquency_2years Number of default events overdue by over 30 days in the borrower's credit report over the past 2 years
ficoRangeLow Lower bound of the FICO score range at loan issuance
ficoRangeHigh Upper bound of the FICO score range at loan issuance
openAcc Number of open credit lines in the borrower's credit file
pubRec Number of derogatory public records
pubRecBankruptcies Number of cleared public record bankruptcies
revolBal Total revolving credit balance
revolUtil Revolving line utilization rate, or the amount of credit the borrower has used relative to all available revolving credit
totalAcc Total number of current credit lines in the borrower's credit file
initialListStatus Initial listing status of the loan
applicationType Indicates whether the loan is an individual application or a joint application with two co-borrowers
earliesCreditLine Month of the borrower's earliest reported credit line opening
title Loan name provided by the borrower
policyCode Publicly available policy code = 1; non-publicly available policy code = 2
n-series anonymous features Anonymous features n0-n14, which are processed count features of lender behaviors

搜集汇总

背景与挑战

背景概述

该信贷数据集是一个结构化数据集，包含贷款金额、期限、利率、借款人信用记录等30多个字段，用于信贷风险分析和机器学习建模。数据集提供train.csv（166.77MB）和testA.csv（41.33MB）两个文件，总计约208MB，涵盖匿名特征，适用于金融领域的预测任务。