joelms/loan_data

---
license: apache-2.0
language:
- en
---
# Loan Data
This dataset contains information about loan applications, including details about applicants' credit history, income, and loan purposes.
The data is used for the analysis and prediction of loan approval outcomes.
## Dataset Description
The dataset includes the following columns:

- credit.policy: Whether the applicant meets the credit policy criteria (1 = approved, 0 = denied).
- purpose: The purpose of the loan (e.g., "credit_card", "debt_consolidation", "home_improvement", etc.).
- int.rate: Interest rate of the loan.
- installment: Monthly installment amount.
- log.annual.inc: Log-transformed annual income.
- dti: Debt-to-income ratio.
- fico: FICO credit score of the applicant.
- days.with.cr.line: Number of days the applicant has had a credit line.
- revol.bal: Revolving balance.
- revol.util: Revolving credit utilization.
- inq.last.6mths: Number of inquiries in the last 6 months.
- delinq.2yrs: Number of delinquencies in the last 2 years.
- pub.rec: Number of public records (e.g., bankruptcies, foreclosures).

## Dataset Source
This dataset was obtained from Kaggle:

Loan Data on Kaggle

## License Information
The dataset is released under the Database Contents License (DbCL) v1.0.
Key Points of the License:

- Freedom to use: You are free to use the data for commercial and non-commercial purposes.
- Modifications and Redistribution: You can modify and redistribute the data, as long as the original source is attributed.
- No Copyright on Facts: The facts in the dataset are not covered by copyright.
- No Warranty: The dataset is provided "as is" without any warranty of accuracy, fitness for a particular purpose, or any other guarantee.

## Full License Text

The full Database Contents License (DbCL) v1.0 text is available here: Open Data Commons - DbCL.

## Acknowledgements

Please note that you are using this dataset at your own risk and the dataset is provided without warranties.

许可证：Apache 2.0
语言：
- 英语

# 贷款数据集
本数据集收录贷款申请相关信息，涵盖申请人信用历史、收入状况及贷款用途等细节。
该数据集可用于贷款审批结果的分析与预测任务。

## 数据集说明
本数据集包含以下字段：
- 信用政策合规标记（credit.policy）：申请人是否符合信用政策审批标准（1=通过，0=拒绝）
- 贷款用途（purpose）：贷款的具体用途（例如"credit_card"、"debt_consolidation"、"home_improvement"等）
- 贷款利率（int.rate）：贷款的年化利率
- 月度分期还款额（installment）：每月需偿还的分期金额
- 年度收入对数转换值（log.annual.inc）：经对数变换处理的申请人年度收入
- 债务收入比（dti）：申请人的债务与收入之比
- FICO信用评分（FICO Credit Score, fico）：申请人的FICO信用评分
- 信用额度持有天数（days.with.cr.line）：申请人持有信用额度的总天数
- 循环信贷余额（revol.bal）：循环信贷未结清余额
- 循环信贷使用率（revol.util）：循环信贷的使用占比
- 近6个月查询次数（inq.last.6mths）：过去6个月内的信用查询次数
- 近2年逾期次数（delinq.2yrs）：过去2年内的逾期还款次数
- 公共记录数量（pub.rec）：申请人的公共记录数量（例如破产、止赎记录等）

## 数据集来源
本数据集源自Kaggle平台：
Kaggle上的贷款数据集

## 许可证信息
本数据集采用数据库内容许可证（Database Contents License, DbCL）v1.0发布。
许可证核心条款如下：
- 使用自由：可免费将数据集用于商业及非商业用途
- 修改与再分发：可对数据集进行修改并再分发，但需注明原始来源
- 事实无版权：数据集中包含的事实信息不受版权法保护
- 无担保条款：数据集按"现状"提供，不就其准确性、特定用途适用性或其他任何保证作出承诺

## 完整许可证文本
数据库内容许可证v1.0的完整文本可在此处获取：Open Data Commons - DbCL

## 免责声明
请注意：您使用本数据集需自行承担风险，本数据集不提供任何担保。