偿债压力指数

偿债压力指数是公司通过对公司自身业务积累数据进行加工处理与分析，综合用户多维度的借贷行为、还款意愿、还款能力特征等相关数据，利用机器学习算法生成评分数据。数值越大，压力越大。

The Debt Servicing Pressure Index (DSPI) is a scoring metric generated by enterprises by processing and analyzing their own accumulated operational business data, integrating relevant data including users' multi-dimensional borrowing behaviors, repayment willingness, repayment capacity characteristics and other relevant data, and utilizing machine learning algorithms. A higher index value corresponds to greater debt servicing pressure.

搜集汇总

背景与挑战

背景概述

偿债压力指数是由百融至信（北京）科技有限公司生产的评分数据，通过分析用户借贷行为、还款意愿和能力等特征生成，数值越大压力越大。该数据集全国覆盖、每日更新，适用于金融服务场景。