Home Credit Default Risk 违约风险预测，kaggle比赛，进阶篇，LB 0.792

Bureau 征信数据主要包括征信状态，贷款时间，用途，总量等等。

Home Credit(捷信)的产品逻辑是这样的。

• 首先提供POS，入门级产品，类似于消费贷。只能用于消费，金额有限，风险最小，客户提供的信息也最少。
• 然后是credit card，在本次竞赛中又称为revolving loan。循环授信，主要用于消费。
• 最后才是cash loan，用户能得到现金，风险最大。

Application train和test中只有credit card和cash的数据。也许因为POS门槛太低，风险太小，而且能用的信息最少，不在预测范围内。在历史数据中，POS，Credit Card， Cash Loans都有，但是Credit Card数量最少。

以上数据集的分布基本一致，整个数据中，训练集在85%左右，测试集15% ，而且POS和credit互相不包含

    length of train is 307511 the percent is 86.32 %
    length of test is 48744 the percent is 13.68 %
    
    length of bureau is 305811
    intersection with train is 263491 the percent is 86.16 %
    intersection with test is 42320 the percent is 13.84 %
    
    length of previous is 338857
    intersection with train is 291057 the percent is 85.89 %
    intersection with test is 47800 the percent is 14.11 %
    
    length of POS is 337252
    intersection with train is 289444 the percent is 85.82 %
    intersection with test is 47808 the percent is 14.18 %
    
    length of credit is 103558
    intersection with train is 86905 the percent is 83.92 %
    intersection with test is 16653 the percent is 16.08 %
    
    length of installment is 339587
    intersection with train is 291643 the percent is 85.88 %
    intersection with test is 47944 the percent is 14.12 %
    intersection between credit and POS is 0