违约贷款数据集

包含了违约贷款测试集训练集共100万条数据，id： 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

This dataset includes a total of 1,000,000 records for default loan training and test sets. The detailed field descriptions are as follows:
1. id: Unique credit identifier assigned to the loan list
2. loanAmnt: Loan amount
3. term: Loan term (year)
4. interestRate: Loan interest rate
5. installment: Installment payment amount
6. grade: Loan grade
7. subGrade: Sub-level of the loan grade
8. employmentTitle: Job title
9. employmentLength: Length of employment (years)
10. homeOwnership: Home ownership status provided by the borrower at the time of registration
11. annualIncome: Annual income
12. verificationStatus: Verification status
13. issueDate: Month when the loan was issued
14. purpose: Category of loan purpose indicated by the borrower when applying for the loan
15. postCode: First 3 digits of the postal code provided by the borrower in the loan application
16. regionCode: Regional code
17. dti: Debt-to-income ratio
18. delinquency_2years: Number of default events with overdue over 30 days in the borrower's credit history over the past 2 years
19. ficoRangeLow: Lower bound of the FICO score range when the loan was issued
20. ficoRangeHigh: Upper bound of the FICO score range when the loan was issued
21. openAcc: Number of open credit lines in the borrower's credit file
22. pubRec: Number of derogatory public records
23. pubRecBankruptcies: Number of cleared public record bankruptcies
24. revolBal: Total revolving credit balance
25. revolUtil: Revolving line utilization rate, i.e., the amount of credit utilized by the borrower relative to all available revolving credit
26. totalAcc: Total number of current credit lines in the borrower's credit file
27. initialListStatus: Initial listing status of the loan
28. applicationType: Indicates whether the loan is an individual application or a joint application with two co-borrowers
29. earliesCreditLine: Month when the borrower's earliest reported credit line was opened
30. title: Loan title provided by the borrower
31. policyCode: Publicly available policy code = 1; non-publicly available policy code = 2
32. n: Series of 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

该数据集是一个包含100万条违约贷款记录的公共数据集，用于信用风险评估和机器学习建模。数据涵盖了贷款金额、期限、利率、借款人收入、就业状况、信用历史等30多个特征，并提供了训练集和测试集文件，适用于预测贷款违约的算法开发。