Auto loan default risk

1.Context
loan data provided by a Chinese auto loan agency. The institution’s borrowers often overdue or even refuse to repay, resulting in the institution’s high rate of non-performing loans. The agency would like to invite you to help them build a risk identification model to predict borrowers who may default(sensitive information has been desensitized)

2.Explanation
loan_default notes whether the borrower will be overdue

搜集汇总

背景与挑战

背景概述

该数据集来自中国一家汽车贷款机构，旨在帮助构建风险识别模型，以预测借款人违约的可能性。目标变量为'loan_default'，用于标识借款人是否逾期。