Data Structure ?
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Data Structure ?
*The above analysis is the result extracted and analyzed by the system, and the specific actual data shall prevail.
README.md
背景銀行の消費者信用部門は、住宅担保信用枠の承認決定プロセスを自動化したいと考えています。これを実現するために、彼らは《平等信用機会法》の提言に従い、経験的に導き出され統計的に信頼できる信用スコアリングモデルを作成します。このモデルは、現在の融資審査プロセスを通じて最近信用を取得した申請者から収集されたデータに基づきます。このモデルは予測モデリングツールを使用して構築されますが、作成されるモデルは、不利な措置（拒否）の理由を提供するために十分な解釈可能性を持たなければなりません。内容住宅担保信用データセット（HMEQ）には、最近の5960件の住宅担保ローンのベースラインとローンの履行状況に関する情報が含まれています。目的変数（BAD）は、申請者が最終的に債務不履行または重大な債務不履行に至ったかどうかを示す2値変数です。このような不良結果は1189件（20％）で発生しています。各申請者について、12個の入力変数が記録されています。もし、ローンを延滞する顧客を予測できたらどうなるでしょうか。
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- 1. The data originates from internet data collection or provided by service providers, and this platform offers users the ability to view and browse datasets.
- 2. This platform serves only as a basic information display for datasets, including but not limited to image, text, video, and audio file types.
- 3. Basic dataset information comes from the original data source or the information provided by the data provider. If there are discrepancies in the dataset description, please refer to the original data source or service provider's address.
- 1. All datasets on this site are copyrighted by their original publishers or data providers.
- 1. If you need to repost data from this site, please retain the original data source URL and related copyright notices.
- 1. If any data on this site involves infringement, please contact us promptly, and we will arrange for the data to be taken offline.
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