山东大学暑期项目实训-基于信用评分卡算法模型的个人信用评级系统的设计与实现-第四周-12（7月23日）

本文链接：https://blog.csdn.net/weixin_44102442/article/details/119185459

在得出基础分和各部分得分后，两者相加即可得出个人总评分，自定义compute_score函数来找到每一行数据根据分箱得出的分数段的得分，最想通过各评分相加得出最终评分，并对最终结果进行输出。

compute_score函数

def compute_score(series, bins, score):
    list = []
    i = 0
    while i < len(series):
        value = series[i]
        j = len(bins) - 2
        m = len(bins) - 2
        while j >= 0:
            if value >= bins[j]:
                j = -1
            else:
                j -= 1
                m -= 1
        list.append(score[m])
        i += 1
    return list

得出各部分评分相加并得到最终评分输出

test1 = pd.read_csv('TestData.csv')
test1['BaseScore'] = Series(np.zeros(len(test1)))+baseScore
test1['RUOUL_score'] = Series(compute_score(test1['RevolvingUtilizationOfUnsecuredLines'], RevolvingUtilizationOfUnsecuredLines_bins, RUOUl_score))
test1['age_score'] = Series(compute_score(test1['age'], age_bins, age_score))
test1['NumberOfTime30-59DaysPastDueNotWorse_score'] = Series(compute_score(test1['NumberOfTime30-59DaysPastDueNotWorse'], NotWorse3059_bins, NotWorse3059_score))
test1['NumberOfTimes90DaysLate_score'] = Series(compute_score(test1['NumberOfTimes90DaysLate'], NumberOfTimes90DaysLate_bins,NumberOfTimes90DaysLate_score))
test1['NumberOfTime60-89DaysPastDueNotWorse_score'] = Series(compute_score(test1['NumberOfTime60-89DaysPastDueNotWorse'], NotWorse6089_bins, NotWorse6089_score))
test1['Score'] = test1['RUOUL_score'] + test1['age_score'] + test1['NumberOfTime30-59DaysPastDueNotWorse_score'] + test1['NumberOfTimes90DaysLate_score'] + test1['NumberOfTime60-89DaysPastDueNotWorse_score'] + baseScore
test1.to_csv('ScoreData.csv', index=False)