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

1. 研究背景
本数据集由某中国汽车贷款机构提供。该机构的借款人常出现逾期还款甚至拒不偿还贷款的情形，导致机构不良贷款（non-performing loans）率居高不下。现该机构邀请我方协助构建风险识别模型，以预测可能发生违约（default）的借款人（敏感信息已完成脱敏处理）。
2. 字段说明
loan_default字段用于标记借款人是否会发生逾期还款行为。

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。