Loan Prediction

#Loan Prediction
项目地址：https://datahack.analyticsvidhya.com/contest/practice-problem-loan-prediction-iii/

import pandas as pd
import numpy as np
import matplotlib as plt
%matplotlib inline
df = pd.read_csv("/Users/mac/Desktop/kaggle/P2/train.csv") #导入数据

##数据探索
###变量识别

df.head(10)

	Loan_ID	Gender	Married	Dependents	Education	Self_Employed	ApplicantIncome	CoapplicantIncome	LoanAmount	Loan_Amount_Term	Credit_History	Property_Area	Loan_Status
0	LP001002	Male	No	0	Graduate	No	5849	0.0	NaN	360.0	1.0	Urban	Y
1	LP001003	Male	Yes	1	Graduate	No	4583	1508.0	128.0	360.0	1.0	Rural	N
2	LP001005	Male	Yes	0	Graduate	Yes	3000	0.0	66.0	360.0	1.0	Urban	Y
3	LP001006	Male	Yes	0	Not Graduate	No	2583	2358.0	120.0	360.0	1.0	Urban	Y
4	LP001008	Male	No	0	Graduate	No	6000	0.0	141.0	360.0	1.0	Urban	Y
5	LP001011	Male	Yes	2	Graduate	Yes	5417	4196.0	267.0	360.0	1.0	Urban	Y
6	LP001013	Male	Yes	0	Not Graduate	No	2333	1516.0	95.0	360.0	1.0	Urban	Y
7	LP001014	Male	Yes	3+	Graduate	No	3036	2504.0	158.0	360.0	0.0	Semiurban	N
8	LP001018	Male	Yes	2	Graduate	No	4006	1526.0	168.0	360.0	1.0	Urban	Y
9	LP001020	Male	Yes	1	Graduate	No	12841	10968.0	349.0	360.0	1.0	Semiurban	N

df.describe()

	ApplicantIncome	CoapplicantIncome	LoanAmount	Loan_Amount_Term	Credit_History
count	614.000000	614.000000	592.000000	600.00000	564.000000
mean	5403.459283	1621.245798	146.412162	342.00000	0.842199
std	6109.041673	2926.248369	85.587325	65.12041	0.364878
min	150.000000	0.000000	9.000000	12.00000	0.000000
25%	2877.500000	0.000000	100.000000	360.00000	1.000000
50%	3812.500000	1188.500000	128.000000	360.00000	1.000000
75%	5795.000000	2297.250000	168.000000	360.00000	1.000000
max	81000.000000	41667.000000	700.000000	480.00000	1.000000

df.info()

<class 'pandas.core.frame.DataFrame'>
RangeIndex: 614 entries, 0 to 613
Data columns (total 13 columns):
Loan_ID              614 non-null object
Gender               601 non-null object
Married              611 non-null object
Dependents           599 non-null object
Education            614 non-null object
Self_Employed        582 non-null object
ApplicantIncome      614 non-null int64
CoapplicantIncome    614 non-null float64
LoanAmount           592 non-null float64
Loan_Amount_Term     600 non-null float64
Credit_History       564 non-null float64
Property_Area        614 non-null object
Loan_Status          614 non-null object
dtypes: float64(4), int64(1), object(8)
memory usage: 62.4+ KB

注意到有数据缺失的情况，在数据整理阶段进行处理。

###单一变量分析

df['Loan_Status'].value_counts(normalize=True).plot.bar(title= 'Loan_Status')

<matplotlib.axes._subplots.AxesSubplot at 0x111b343c8>

分析预测项Loan_Status，约69%的贷款得到批准。

df['Gender'].value_counts(normalize=True)

Male      0.813644
Female    0.186356
Name: Gender, dtype: float64

分析性别特征，发现申请贷款的人多数为男性。

df['Married'].value_counts(normalize=True)

Yes    0.651391
No     0.348609
Name: Married, dtype: float64

分析结婚状态，有65%的贷款人是已婚。

df['Dependents'].value_counts().plot.bar(title= 'Dependents')

<matplotlib.axes._subplots.AxesSubplot at 0x111b4fe10>

分析亲属数量，大多数贷款人没有亲属。

df['Loan_Amount_Term'].value_counts()

360.0    512
180.0     44
480.0     15
300.0     13
84.0       4
240.0      4
120.0      3
36.0       2
60.0       2
12.0       1
Name: Loan_Amount_Term, dtype: int64

分析贷款时间，绝大多数为360天。

df['Credit_History'].value_counts(normalize=True)

1.0    0.842199
0.0    0.157801
Name: Credit_History, dtype: float64

分析信用历史，84%的贷款人已偿还债务，信用良好。

df['Education'].value_counts(normalize=True)