Home Credit Default Risk房屋信贷违约风险

住房信贷通过提供积极而安全的借贷经验，努力扩大无银行账户人群的金融包容性。为了确保服务不足的人群拥有良好的贷款经验，Home Credit利用各种替代数据（包括电信和交易信息）来预测其客户的还款能力。

Housing Credit strives to expand financial inclusion for unbanked populations by delivering positive and secure lending experiences. To ensure that underserved groups have favorable loan experiences, Home Credit leverages various alternative data, including telecommunications and transactional information, to predict the repayment ability of its customers.

搜集汇总

背景与挑战

背景概述

该数据集名为'Home Credit Default Risk房屋信贷违约风险'，主要用于预测申请人偿还贷款的能力。数据集包含多个文件，涵盖了申请人的静态数据、历史信用记录、月度余额快照等信息，旨在利用各种替代数据（包括电信和交易信息）来预测客户的还款能力，从而扩大金融包容性。