Variable Name | 中文解释 | Description | Type |
SeriousDlqin2yrs | 要预测的标签,逾期90天或更糟糕的人。 | Person experienced 90 days past due delinquency or worse | Y/N |
RevolvingUtilizationOfUnsecuredLines | 信用卡和个人信用贷款(花呗、借呗、微粒贷等)已经透支的钱 占 总信用额度的比例。 比例越高,说明透支越大,越有可能还不上。 | Total balance on credit cards and personal lines of credit except real estate and no installment debt like car loans divided by the sum of credit limits | percentage |
age | 年龄 | Age of borrower in years | integer |
NumberOfTime30-59DaysPastDueNotWorse | 借款人逾期30-59天的次数(但在过去两年没有更糟糕)。 | Number of times borrower has been 30-59 days past due but no worse in the last 2 years. | integer |
DebtRatio | 每月债务支付、赡养费、生活费总和除以收入总和, 比例越高,越有可能还不上。 | Monthly debt payments, alimony,living costs divided by monthy gross income | percentage |
MonthlyIncome | 月收入 | Monthly income | real |
NumberOfOpenCreditLinesAndLoans | 公开贷款(分期贷款,例如汽车贷款、抵押贷款等)和信用额度(例如信用卡、花呗等)的申请数量。 | Number of Open loans (installment like car loan or mortgage) and Lines of credit (e.g. credit cards) | integer |
NumberOfTimes90DaysLate | 借款人逾期90天及以上的次数。 | Number of times borrower has been 90 days or more past due. | integer |
NumberRealEstateLoansOrLines | 抵押贷款和房地产贷款(包括房屋净值的信用贷款)的数量。 | Number of mortgage and real estate loans including home equity lines of credit | integer |
NumberOfTime60-89DaysPastDueNotWorse | 借款人逾期60-89天的次数(但在过去两年没有更糟糕)。 | Number of times borrower has been 60-89 days past due but no worse in the last 2 years. | integer |
NumberOfDependents | 家庭中除自己以外的受抚养人数(配偶、子女等)。 | Number of dependents in family excluding themselves (spouse, children etc.) | integer |
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