<?xml version="1.0" encoding="UTF-8"?>
<PMML xmlns="http://www.dmg.org/PMML-4_4" version="4.4.1">
    <Header copyright="Copyright (c) 2021 Software AG" description="Default description">
        <Application name="Nyoka" version="5.5.0"/>
        <Timestamp>2026-10-30 19:18:11.250668</Timestamp>
    </Header>
    <DataDictionary numberOfFields="48">
        <DataField name="f_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="suc_apprv_num_m1" optype="continuous" dataType="double"/>
        <DataField name="apprv_amt_day" optype="continuous" dataType="double"/>
        <DataField name="t_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_m_min" optype="continuous" dataType="double"/>
        <DataField name="cre_l60_used_limit_rate_min" optype="continuous" dataType="double"/>
        <DataField name="s_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="cre_l90_used_limit_amt_min" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m3" optype="continuous" dataType="double"/>
        <DataField name="apprv_num_m1" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_limit_left_d_max" optype="continuous" dataType="double"/>
        <DataField name="available_limit_amt" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m6" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_used_amt_d_min" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m12" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_d_min" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_gt0_m3_num_pc" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l90_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="useratemore50maxcontimonsm12" optype="continuous" dataType="double"/>
        <DataField name="cre_now_p1m_used_rate_m" optype="continuous" dataType="double"/>
        <DataField name="ps_int_amt_sum" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_m_max" optype="continuous" dataType="double"/>
        <DataField name="cre_l30_l90_used_amt_m_min" optype="continuous" dataType="double"/>
        <DataField name="avg_tnr" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="max_loan_os_prcp_m12" optype="continuous" dataType="double"/>
        <DataField name="suc_apprv_num_m6" optype="continuous" dataType="double"/>
        <DataField name="useratemore70monthsubcurmonth" optype="continuous" dataType="double"/>
        <DataField name="setl_rem_prcp_paym_m3_num" optype="continuous" dataType="double"/>
        <DataField name="orig_prcp_avg_m12" optype="continuous" dataType="double"/>
        <DataField name="useratemore70_m6_num" optype="continuous" dataType="double"/>
        <DataField name="shd_pre_repay_amt_rate" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_m6_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_used_amt_d_max" optype="continuous" dataType="double"/>
        <DataField name="ps_int_amt_avg" optype="continuous" dataType="double"/>
        <DataField name="useratemore90maxcontimonsm12" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="min_apply_amt" optype="continuous" dataType="double"/>
        <DataField name="useratemore90_m3_num" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_usedrate_m_max" optype="continuous" dataType="double"/>
        <DataField name="min_tnr" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_gt0_m12_num_pc" optype="continuous" dataType="double"/>
        <DataField name="grade_limit_amount" optype="continuous" dataType="double"/>
        <DataField name="end_loan_to_rep_loan_freq" optype="continuous" dataType="double"/>
        <DataField name="shd_pre_repay_cnt" optype="continuous" dataType="double"/>
        <DataField name="last_clear_num_m1" optype="continuous" dataType="double"/>
        <DataField name="setl_rem_prcp_paym_last_month_lo" optype="continuous" dataType="double"/>
        <DataField name="target" optype="categorical" dataType="integer">
            <Value value="0"/>
            <Value value="1"/>
        </DataField>
    </DataDictionary>
    <MiningModel modelName="LightGBModel" functionName="classification">
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            <MiningField name="suc_apprv_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="apprv_amt_day" usageType="active" optype="continuous"/>
            <MiningField name="t_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_m_min" usageType="active" optype="continuous"/>
            <MiningField name="cre_l60_used_limit_rate_min" usageType="active" optype="continuous"/>
            <MiningField name="s_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_l90_used_limit_amt_min" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active" optype="continuous"/>
            <MiningField name="apprv_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_limit_left_d_max" usageType="active" optype="continuous"/>
            <MiningField name="available_limit_amt" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_used_amt_d_min" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_d_min" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l90_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="useratemore50maxcontimonsm12" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_p1m_used_rate_m" usageType="active" optype="continuous"/>
            <MiningField name="ps_int_amt_sum" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_m_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active" optype="continuous"/>
            <MiningField name="avg_tnr" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="max_loan_os_prcp_m12" usageType="active" optype="continuous"/>
            <MiningField name="suc_apprv_num_m6" usageType="active" optype="continuous"/>
            <MiningField name="useratemore70monthsubcurmonth" usageType="active" optype="continuous"/>
            <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active" optype="continuous"/>
            <MiningField name="orig_prcp_avg_m12" usageType="active" optype="continuous"/>
            <MiningField name="useratemore70_m6_num" usageType="active" optype="continuous"/>
            <MiningField name="shd_pre_repay_amt_rate" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_used_amt_d_max" usageType="active" optype="continuous"/>
            <MiningField name="ps_int_amt_avg" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90maxcontimonsm12" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="min_apply_amt" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90_m3_num" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_usedrate_m_max" usageType="active" optype="continuous"/>
            <MiningField name="min_tnr" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active" optype="continuous"/>
            <MiningField name="grade_limit_amount" usageType="active" optype="continuous"/>
            <MiningField name="end_loan_to_rep_loan_freq" usageType="active" optype="continuous"/>
            <MiningField name="shd_pre_repay_cnt" usageType="active" optype="continuous"/>
            <MiningField name="last_clear_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active" optype="continuous"/>
            <MiningField name="target" usageType="target" optype="categorical"/>
        </MiningSchema>
        <Output>
            <OutputField name="probability_0" optype="continuous" dataType="double" feature="probability" value="0"/>
            <OutputField name="probability_1" optype="continuous" dataType="double" feature="probability" value="1"/>
            <OutputField name="predicted_target" optype="categorical" dataType="integer" feature="predictedValue"/>
        </Output>
        <Segmentation multipleModelMethod="modelChain" missingThreshold="1">
            <Segment id="1" weight="1">
                <True/>
                <MiningModel modelName="MiningModel" functionName="regression">
                    <MiningSchema>
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                        <MiningField name="suc_apprv_num_m1" usageType="active"/>
                        <MiningField name="apprv_amt_day" usageType="active"/>
                        <MiningField name="t_ps_od_days_max" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                        <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                        <MiningField name="s_ps_od_days_max" usageType="active"/>
                        <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                        <MiningField name="apprv_num_m1" usageType="active"/>
                        <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                        <MiningField name="available_limit_amt" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                        <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                        <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                        <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                        <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                        <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                        <MiningField name="ps_int_amt_sum" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                        <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                        <MiningField name="avg_tnr" usageType="active"/>
                        <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                        <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                        <MiningField name="suc_apprv_num_m6" usageType="active"/>
                        <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                        <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                        <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                        <MiningField name="useratemore70_m6_num" usageType="active"/>
                        <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                        <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                        <MiningField name="ps_int_amt_avg" usageType="active"/>
                        <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                        <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="min_apply_amt" usageType="active"/>
                        <MiningField name="useratemore90_m3_num" usageType="active"/>
                        <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                        <MiningField name="min_tnr" usageType="active"/>
                        <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                        <MiningField name="grade_limit_amount" usageType="active"/>
                        <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                        <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                        <MiningField name="last_clear_num_m1" usageType="active"/>
                        <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                    </MiningSchema>
                    <Output>
                        <OutputField name="lgbValue" optype="continuous" dataType="double" feature="predictedValue"/>
                    </Output>
                    <Segmentation multipleModelMethod="sum" missingThreshold="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
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                                        <Node>
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                                                <Node>
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                                                    <Node score="-2.3513042670519306">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="92.0550000000000210"/>
                                                    </Node>
                                                    <Node score="-2.3784466431283637">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="92.0550000000000210"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="43.5000000000000071"/>
                                                    <Node score="-2.414406117744986">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="38.5000000000000071"/>
                                                    </Node>
                                                    <Node score="-2.3852314280726232">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="38.5000000000000071"/>
                                                    </Node>
                                                </Node>
                                            </Node>
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                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="309.6500000000000341"/>
                                                    <Node score="-2.4043579048147214">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.8212000000000004"/>
                                                    </Node>
                                                    <Node score="-2.4329477130005763">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="greaterThan" value="1.8212000000000004"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="309.6500000000000341"/>
                                                    <Node score="-2.4247406649999035">
                                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="196500.0000000000291038"/>
                                                    </Node>
                                                    <Node score="-2.450886667482722">
                                                        <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="196500.0000000000291038"/>
                                                    </Node>
                                                </Node>
                                            </Node>
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                                        <Node>
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3198.5250000000000909"/>
                                            <Node>
                                                <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="0.0000000000000000"/>
                                                <Node>
                                                    <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="14490.0500000000010914"/>
                                                    <Node score="-2.4058265767676477">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0919500000000000"/>
                                                    </Node>
                                                    <Node score="-2.3384800095264904">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0919500000000000"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="14490.0500000000010914"/>
                                                    <Node score="-2.361171039588153">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="2750.0833500000003369"/>
                                                    </Node>
                                                    <Node score="-2.256034745440302">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="2750.0833500000003369"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="0.0000000000000000"/>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1835.2300000000002456"/>
                                                    <Node score="-2.425466855037531">
                                                        <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="2989.0000000000004547"/>
                                                    </Node>
                                                    <Node score="-2.3116932163623303">
                                                        <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="2989.0000000000004547"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1835.2300000000002456"/>
                                                    <Node score="-2.4504639442556386">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2502500000000000"/>
                                                    </Node>
                                                    <Node score="-2.409511668935253">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2502500000000000"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node>
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                            <Node>
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                                <Node>
                                                    <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.1018500000000000"/>
                                                    <Node score="-2.4261101960896547">
                                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="107500.0000000000145519"/>
                                                    </Node>
                                                    <Node score="-2.4499818278900607">
                                                        <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="107500.0000000000145519"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.1018500000000000"/>
                                                    <Node score="-2.3822791424997947">
                                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="89500.0000000000145519"/>
                                                    </Node>
                                                    <Node score="-2.409945871262302">
                                                        <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="89500.0000000000145519"/>
                                                    </Node>
                                                </Node>
                                            </Node>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.1380500000000000"/>
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                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                                    </Node>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                                    <Node score="-0.02924136851782701">
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="13.2959500000000013"/>
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                                                    <Node score="-0.00607068121894978">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="32.5800000000000054"/>
                                                    </Node>
                                                    <Node score="0.02083003170238295">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.5800000000000054"/>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="382.5000000000000568"/>
                                                    <Node score="-0.0222886592007476">
                                                        <SimplePredicate field="min_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                                    </Node>
                                                    <Node score="0.007410016244844067">
                                                        <SimplePredicate field="min_tnr" operator="greaterThan" value="10.5000000000000018"/>
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                                                    <Node score="0.08648800794239683">
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                                    <Node score="-0.024254301443649172">
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                                    <Node score="-0.02848735311867122">
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                                    <Node score="1.2743394368009315e-05">
                                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="232.5150000000000148"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                                    <Node score="0.07289175028186372">
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                                                    <Node score="-0.0057811503314374665">
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                                <Node>
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                                                    </Node>
                                                    <Node score="-0.004916704760280952">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="3275.1250000000004547"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                                    <Node score="-0.020761269868936248">
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
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                                                    <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="lessOrEqual" value="0.2231500000000000"/>
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                                                    <Node score="-0.03211212427950142">
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                                                    </Node>
                                                    <Node score="0.005725755316600499">
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                                    <Node score="-0.028137925743226377">
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                                                    <Node score="-0.005034818188696409">
                                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="5.8318000000000003"/>
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                                                    </Node>
                                                    <Node score="0.03327935704636357">
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                                                    </Node>
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                                                    </Node>
                                                    <Node score="-0.02968180700223548">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="52.5000000000000071"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                                    <Node score="-0.033707365067188653">
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                                                    </Node>
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                                                    </Node>
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                                                    </Node>
                                                    <Node score="-0.007099332573942085">
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                                                        <SimplePredicate field="apprv_amt_day" operator="lessOrEqual" value="701.5000000000001137"/>
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                                                    <Node score="0.005581431859448321">
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                                                    <Node score="-0.03451689232296933">
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                                                    </Node>
                                                    <Node score="-0.008679598706015847">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="94.6750000000000256"/>
                                                    </Node>
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                                        </Node>
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                                                </Node>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node>
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                            <Node>
                                                <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6217500000000001"/>
                                                <Node>
                                                    <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    <Node score="0.0017618309244726597">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="99.9450000000000074"/>
                                                    </Node>
                                                    <Node score="-0.035297494671241755">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="99.9450000000000074"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                                    <Node score="-0.028540889212099324">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="590.5000000000001137"/>
                                                    </Node>
                                                    <Node score="0.020211151203124656">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="590.5000000000001137"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6300500000000001"/>
                                                    <Node score="-0.01549599868764296">
                                                        <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="lessOrEqual" value="0.1607500000000000"/>
                                                    </Node>
                                                    <Node score="0.07980872393325032">
                                                        <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="greaterThan" value="0.1607500000000000"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6300500000000001"/>
                                                    <Node score="-0.0046875901076131946">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.1432500000000000"/>
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                                                    <Node score="0.005557114801623238">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="0.1432500000000000"/>
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                                        <Node score="0.05269828328858992">
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                                                    <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="329.3750000000000568"/>
                                                    <Node score="0.029514999163963704">
                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="1325.0000000000002274"/>
                                                    </Node>
                                                    <Node score="0.0010693193743602969">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="1325.0000000000002274"/>
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                                                    <Node score="-0.010553146601890873">
                                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                                    <Node score="-0.0009955673981804287">
                                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                                    <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.1681500000000000"/>
                                                    <Node score="-0.02468705847243503">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0713500000000000"/>
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                                                    <Node score="0.019916516355898757">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0713500000000000"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="4333.4166500000010274"/>
                                                    </Node>
                                                    <Node score="-0.002001828488224423">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="4333.4166500000010274"/>
                                                    </Node>
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                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="242.5000000000000284"/>
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                                                    <Node score="0.04279053876444315">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="242.5000000000000284"/>
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                                                    <Node score="-0.01746533217912138">
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                                                    <Node score="0.010207452385638562">
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                                                    <Node score="-0.05226748595678951">
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                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                                    </Node>
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                                                    <SimplePredicate field="apprv_amt_day" operator="greaterThan" value="476.5000000000000568"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                                    <Node score="0.0016828038961001811">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.9488000000000002"/>
                                                    </Node>
                                                    <Node score="-0.02179468179233451">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.9488000000000002"/>
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                                                    <Node score="-0.03206141363914646">
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                                                    <Node score="-0.01982800260070854">
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                                                    <Node score="0.014672790534437062">
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                                                    <Node score="-0.04921582557772521">
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                                                    <Node score="-0.029497896793688663">
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                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="173.9250000000000398"/>
                                        <Node>
                                            <SimplePredicate field="min_tnr" operator="lessOrEqual" value="3.5000000000000004"/>
                                            <Node>
                                                <SimplePredicate field="min_tnr" operator="lessOrEqual" value="1.5000000000000002"/>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="20420.3350000000027649"/>
                                                    <Node score="0.0010301000190692535">
                                                        <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="18.1974000000000053"/>
                                                    </Node>
                                                    <Node score="0.026147547581721827">
                                                        <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="18.1974000000000053"/>
                                                    </Node>
                                                </Node>
                                                <Node score="-0.036512482353207455">
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="20420.3350000000027649"/>
                                                </Node>
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                                            <Node>
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                                                <Node>
                                                    <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="12835.7500000000018190"/>
                                                    <Node score="-0.0034801891765034996">
                                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="16.5000000000000036"/>
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                                                    <Node score="0.032959105810351816">
                                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="16.5000000000000036"/>
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                                                <Node>
                                                    <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="12835.7500000000018190"/>
                                                    <Node score="0.04927862626676019">
                                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="18816.5300000000024738"/>
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                                                    <Node score="-0.004730370991393275">
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                                                    <Node score="0.0037257050484088665">
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                                                    <Node score="-0.01915757365034202">
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
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                                                <Node score="0.019255402275325434">
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                                                    </Node>
                                                    <Node score="0.013221002761986775">
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                                                    </Node>
                                                    <Node score="0.01036563343935942">
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                                                    </Node>
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                                                <Node>
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                                                    <Node score="-0.008985457259535836">
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                                                    </Node>
                                                    <Node score="0.0018633225034595515">
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                                                    </Node>
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                                        <Node>
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                                                    <Node score="-0.0013739458069059077">
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                                                    <Node score="-0.040953959675873425">
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                                                    </Node>
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                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="3110.0000000000004547"/>
                                                    </Node>
                                                    <Node score="-0.04207077527836647">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3110.0000000000004547"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.9163500000000001"/>
                                                    <Node score="0.023842086468703415">
                                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
                                                    </Node>
                                                    <Node score="-0.020105777374541185">
                                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="1.5000000000000002"/>
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                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                <Node>
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                                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="2258.7250000000003638"/>
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                                                <Node>
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                                                    <Node score="0.03667454675945691">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="16.5000000000000036"/>
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                                                    <Node score="-0.0027330971950974715">
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                                                    <Node score="-0.019338231688188448">
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                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="4999.5000000000009095"/>
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                                                <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="185500.0000000000291038"/>
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                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="4653.6950000000006185"/>
                                                    <Node score="0.011337242031615692">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="-0.1419000000000000"/>
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                                                    <Node score="-0.029049206035748516">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="-0.1419000000000000"/>
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                                                <Node score="0.005518953233469934">
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                                                    <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="97.3650000000000233"/>
                                                    <Node score="-0.0016703181039093363">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.9485000000000003"/>
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                                                    <Node score="0.01665545980165362">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.9485000000000003"/>
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                                                    <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="97.3650000000000233"/>
                                                    <Node score="-0.014555249489069059">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="11687.0700000000015280"/>
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                                                    <Node score="0.018500269407873932">
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                                                    <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="6000.1000000000012733"/>
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                                                    <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="6000.1000000000012733"/>
                                                    <Node score="-0.025768531518759463">
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                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
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                                <Node>
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                                                    <Node score="-0.00929036811652791">
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
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                                        <Node>
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                                            <Node>
                                                <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="721.5000000000001137"/>
                                                <Node>
                                                    <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="15.5000000000000018"/>
                                                    <Node score="0.009860409737139498">
                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="1325.0000000000002274"/>
                                                    </Node>
                                                    <Node score="-0.002997885488247255">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="1325.0000000000002274"/>
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                                                    <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="15.5000000000000018"/>
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                                                    <Node score="0.0009978320583203042">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="49.3750000000000071"/>
                                                    </Node>
                                                    <Node score="-0.0468527093947239">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="49.3750000000000071"/>
                                                    </Node>
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                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="73.0250000000000199"/>
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                                                    <Node score="-0.04462245118747511">
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                                                    <Node score="-0.00609304684748964">
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                                                    <Node score="0.06380391853456059">
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                                                    <Node score="0.006982293374242693">
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                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="80.3650000000000233"/>
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                                                    <Node score="0.10313192810448435">
                                                        <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="15.5000000000000018"/>
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                                                    <Node score="-0.008220740457622345">
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                                                    <Node score="-0.011821767123861703">
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                                    <Node score="0.009120774044491785">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="402.5000000000000568"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="2.8250000000000006"/>
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                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="441.4550000000000978"/>
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                                        <Node score="-0.045786342602126974">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="441.4550000000000978"/>
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                                    </Node>
                                    <Node>
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                                        <Node>
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="98.2650000000000148"/>
                                            <Node>
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="2.5000000000000004"/>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.2427500000000000"/>
                                                    <Node score="-0.007004162032617712">
                                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="112500.0000000000145519"/>
                                                    </Node>
                                                    <Node score="0.02661022697456066">
                                                        <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="112500.0000000000145519"/>
                                                    </Node>
                                                </Node>
                                                <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                                    <Node score="-0.0008369886116243787">
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                                                <Node score="-0.010518850862574258">
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                                                </Node>
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                                                <Node>
                                                    <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="232.2900000000000489"/>
                                                    <Node score="0.025175215296280768">
                                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="191500.0000000000291038"/>
                                                    </Node>
                                                    <Node score="-0.01976739046241737">
                                                        <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="191500.0000000000291038"/>
                                                    </Node>
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                                            </Node>
                                            <Node>
                                                <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="77.8100000000000165"/>
                                                <Node>
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1779.1900000000002819"/>
                                                    <Node score="0.002151664070111934">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.9334500000000001"/>
                                                    </Node>
                                                    <Node score="-0.0168538552935746">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.9334500000000001"/>
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                                                <Node>
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                                                    <Node score="0.022649651887136305">
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                                                    <Node score="-0.014387839089521499">
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                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node>
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="49856.7700000000113505"/>
                                            <Node>
                                                <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="19.5000000000000036"/>
                                                <Node>
                                                    <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="15.5000000000000018"/>
                                                    <Node score="0.0074199361504564895">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="73.1600000000000108"/>
                                                    </Node>
                                                    <Node score="-0.0002718962462294418">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="73.1600000000000108"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="15.5000000000000018"/>
                                                    <Node score="0.0649449935156">
                                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="1.5000000000000002"/>
                                                    </Node>
                                                    <Node score="-0.005466526176492566">
                                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="1.5000000000000002"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
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                                                <Node score="-0.03876304328660549">
                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1901.6850000000001728"/>
                                                </Node>
                                                <Node score="-0.001639050209075748">
                                                    <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1901.6850000000001728"/>
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                                            </Node>
                                        </Node>
                                        <Node>
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                                            <Node>
                                                <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                                <Node>
                                                    <SimplePredicate field="last_clear_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    <Node score="0.04591439300442193">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="8702.2727500000019063"/>
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                                                    <Node score="-0.00719664684487285">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="8702.2727500000019063"/>
                                                    </Node>
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                                                <Node score="-0.04549016772727609">
                                                    <SimplePredicate field="last_clear_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                                                </Node>
                                                <Node score="-0.049605213530164026">
                                                    <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="13403.2100000000009459"/>
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                                    <Node score="-0.0331780829831479">
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                                    <Node score="-0.029472976441804397">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="86.7650000000000148"/>
                                                    </Node>
                                                    <Node score="0.007078699697186064">
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                                                    </Node>
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                                                    <Node score="-0.034245189296243886">
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                                                <Node>
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                                                    </Node>
                                                    <Node score="0.055212912659018315">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="1.6774000000000002"/>
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                                                    <Node score="0.011743844401267193">
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                                                    </Node>
                                                    <Node score="0.00011419639962764863">
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                                                    <Node score="-0.036265187963665596">
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                                                    <Node score="0.00925226647098486">
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
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                                                    <Node score="0.00014763827272062978">
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                                                </Node>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="2.6050000000000004"/>
                                        <Node>
                                            <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="13500.4000000000014552"/>
                                            <Node>
                                                <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="152500.0000000000291038"/>
                                                <Node score="0.040201286804185124">
                                                    <SimplePredicate field="setl_rem_prcp_paym_last_month_lo" operator="lessOrEqual" value="-0.0000000000000000"/>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="setl_rem_prcp_paym_last_month_lo" operator="greaterThan" value="-0.0000000000000000"/>
                                                    <Node score="-0.00890134805670156">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="97.7750000000000199"/>
                                                    </Node>
                                                    <Node score="0.013386185409610438">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="97.7750000000000199"/>
                                                    </Node>
                                                </Node>
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                                            <Node>
                                                <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="152500.0000000000291038"/>
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                                                    <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    <Node score="-0.0329835803924946">
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                                                    <Node score="-0.0001606160522625326">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8635500000000002"/>
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                                                <Node>
                                                    <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                                    <Node score="0.02716719698565936">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="225.5000000000000284"/>
                                                    </Node>
                                                    <Node score="-0.009954232301288366">
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                                        <Node score="0.029943848056464984">
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                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="5.6450000000000005"/>
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                                            <Node score="-0.003927383726126414">
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                                        </Node>
                                        <Node>
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                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="45788.9300000000075670"/>
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                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="2108.5000000000004547"/>
                                                    <Node score="0.0012375553625288429">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="2512.5000000000004547"/>
                                                    </Node>
                                                    <Node score="-0.032735302841780015">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="2512.5000000000004547"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="2108.5000000000004547"/>
                                                    <Node score="0.04226474323912521">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0529500000000000"/>
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                                                    <Node score="-0.0078440878048989">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0529500000000000"/>
                                                    </Node>
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                                                <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="45788.9300000000075670"/>
                                                <Node score="0.019989787963411658">
                                                    <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="82.8650000000000233"/>
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                                                <Node>
                                                    <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="82.8650000000000233"/>
                                                    <Node score="-0.022012809473409757">
                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="5050.0000000000009095"/>
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                                                    <Node score="0.0050400371528384995">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="5050.0000000000009095"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                                    </Node>
                                                    <Node score="-0.002909658567077782">
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                                                    </Node>
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                                                    </Node>
                                                    <Node score="-0.006105148127783668">
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                                                    </Node>
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                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="161.5000000000000284"/>
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                                                    <Node score="-0.00011802527628263504">
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="19050.0000000000036380"/>
                                                    </Node>
                                                    <Node score="0.02659147680175854">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="19050.0000000000036380"/>
                                                    </Node>
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                                                <Node>
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                                                    <Node score="0.012577369633395057">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="79.5000000000000142"/>
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                                                    <Node score="-0.02598226880174444">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="79.5000000000000142"/>
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                                                    <Node score="-0.028508525365043193">
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                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="39.9750000000000014"/>
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                                                    <Node score="0.0430531352337381">
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                                                    <Node score="-0.01195513327141895">
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                                                    <Node score="0.011074193751289074">
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                                                    </Node>
                                                    <Node score="-0.026846651071427557">
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                                                    <Node score="-0.03507927787575624">
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                                                    <Node score="-0.008596942294551426">
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                                    </Node>
                                                    <Node score="-0.0010479957582575417">
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                            <Node>
                                                <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="-0.5864999999999999"/>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="612.4350000000000591"/>
                                                    <Node score="-0.005022536816253645">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="71.7650000000000148"/>
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                                                    <Node score="-0.04175628329643197">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="71.7650000000000148"/>
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                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="612.4350000000000591"/>
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                                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="399.9150000000000773"/>
                                                    </Node>
                                                    <Node score="-0.008683681194210589">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="399.9150000000000773"/>
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                                            <Node>
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                                                    <Node score="0.002540161486313003">
                                                        <SimplePredicate field="setl_rem_prcp_paym_last_month_lo" operator="lessOrEqual" value="16.3850000000000016"/>
                                                    </Node>
                                                    <Node score="-0.027193765452573373">
                                                        <SimplePredicate field="setl_rem_prcp_paym_last_month_lo" operator="greaterThan" value="16.3850000000000016"/>
                                                    </Node>
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                                                    <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="1.5000000000000002"/>
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                                                    <Node score="0.0016197880392468573">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="2000.5000000000002274"/>
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                                                <Node score="-0.016940514263394945">
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="621.5000000000001137"/>
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                                                <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="2.5000000000000004"/>
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                                                <Node score="0.01672296296904546">
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="108.2750000000000199"/>
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                                                <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
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                                                    <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="98.1850000000000165"/>
                                                    <Node score="-0.0005438382353567103">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="98.0050000000000097"/>
                                                    </Node>
                                                    <Node score="-0.015725531065885347">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="98.0050000000000097"/>
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                                                    <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="98.1850000000000165"/>
                                                    <Node score="0.0050633709445057585">
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                                                    <Node score="-0.02455945145087783">
                                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="4.5000000000000009"/>
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                                                    <Node score="0.010104016383896564">
                                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="4.5000000000000009"/>
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                                                    <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="2399.9900000000002365"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node>
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="5.5000000000000009"/>
                                            <Node>
                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="12835.7500000000018190"/>
                                                <Node>
                                                    <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="19.5000000000000036"/>
                                                    <Node score="0.0009077991525906708">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="2.5000000000000004"/>
                                                    </Node>
                                                    <Node score="-0.004896688469221699">
                                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="2.5000000000000004"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="19.5000000000000036"/>
                                                    <Node score="0">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="58.6650000000000063"/>
                                                    </Node>
                                                    <Node score="-0.046527414659927144">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="58.6650000000000063"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="12835.7500000000018190"/>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="3.2594000000000007"/>
                                                    <Node score="-0.01538993820996839">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="98.2450000000000188"/>
                                                    </Node>
                                                    <Node score="0.03514161888041016">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="98.2450000000000188"/>
                                                    </Node>
                                                </Node>
                                                <Node score="0.0549261724614915">
                                                    <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="3.2594000000000007"/>
                                                </Node>
                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="5.5000000000000009"/>
                                            <Node score="0.06021051831772123">
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="698.1650000000000773"/>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="698.1650000000000773"/>
                                                <Node score="0.024191224857099267">
                                                    <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="1.2207500000000002"/>
                                                </Node>
                                                <Node score="-0.015994748446355924">
                                                    <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="1.2207500000000002"/>
                                                </Node>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.03206506599380842">
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="10.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="214" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                                    <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.4237500000000001"/>
                                                    <Node score="-0.037997403292620816">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="74.0450000000000159"/>
                                                    </Node>
                                                    <Node score="0.007900360741830408">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="74.0450000000000159"/>
                                                    </Node>
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                                                    <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.4237500000000001"/>
                                                    <Node score="-0.010718632242959646">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="117.3450000000000131"/>
                                                    </Node>
                                                    <Node score="0.019520348119252594">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="117.3450000000000131"/>
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                                                    <Node score="-0.0012721722610117743">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.9021500000000001"/>
                                                    </Node>
                                                    <Node score="0.009517495324734278">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.9021500000000001"/>
                                                    </Node>
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                                                    <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.1693500000000000"/>
                                                    <Node score="0.01159927246395144">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1639.8050000000000637"/>
                                                    </Node>
                                                    <Node score="-0.00014253830895950378">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1639.8050000000000637"/>
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                                            <Node>
                                                <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="359.5000000000000568"/>
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                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="53.4050000000000082"/>
                                                    <Node score="-0.0028762781385060433">
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                                                    </Node>
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                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.1170500000000001"/>
                                                    </Node>
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                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="53.4050000000000082"/>
                                                    <Node score="-0.04919958842157035">
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                                                    </Node>
                                                    <Node score="-0.0006136744020721013">
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                                                    <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    <Node score="-0.010797881139812783">
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                                                    </Node>
                                                    <Node score="0.04145857261604724">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3650.0000000000004547"/>
                                                    </Node>
                                                </Node>
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                                                    <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                                    <Node score="0.11907411969772724">
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                                                    </Node>
                                                    <Node score="0.027757904976832892">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="97.9250000000000256"/>
                                                    </Node>
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                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="17503.8900000000030559"/>
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                        <Segment id="215" weight="1">
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                                <Node>
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                                                    </Node>
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                                                    </Node>
                                                    <Node score="-0.01775150035801295">
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                                                    </Node>
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                                                    </Node>
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                                                    </Node>
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                                        </Node>
                                        <Node>
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                                            <Node>
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                                                <Node>
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                                                    <Node score="-0.048487020734252526">
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                                                    </Node>
                                                    <Node score="-0.017530552662420037">
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                                                    </Node>
                                                </Node>
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                                                    <Node score="0.04202073205085453">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="18.1850000000000058"/>
                                                    </Node>
                                                    <Node score="-0.006884368041668668">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="18.1850000000000058"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node score="0.028228135072848805">
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                                            </Node>
                                        </Node>
                                    </Node>
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                                        <Node score="0">
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                                        </Node>
                                        <Node score="-0.04564836848226831">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="61.0050000000000026"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
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                                <Node>
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                                                    <Node score="-0.00059125328944908">
                                                        <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="19.5000000000000036"/>
                                                    </Node>
                                                    <Node score="-0.028179601018456693">
                                                        <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="19.5000000000000036"/>
                                                    </Node>
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                                                <Node>
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                                                    <Node score="0.05494666189277047">
                                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.8350000000000001"/>
                                                    </Node>
                                                    <Node score="0.0043087608247205055">
                                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.8350000000000001"/>
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                                                <Node score="-0.05209693211418505">
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                                                    <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="416.4950000000000614"/>
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                                                <Node score="-0.019285347630694574">
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                                                    <Node score="0.011159214632083369">
                                                        <SimplePredicate field="useratemore90_m3_num" operator="lessOrEqual" value="2.5000000000000004"/>
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                                                    <Node score="-0.010450534308891913">
                                                        <SimplePredicate field="useratemore90_m3_num" operator="greaterThan" value="2.5000000000000004"/>
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                                                    <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8946500000000001"/>
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                                                <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="86.3350000000000222"/>
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                                                    <SimplePredicate field="useratemore50maxcontimonsm12" operator="lessOrEqual" value="5.5000000000000009"/>
                                                    <Node score="-0.010131088057804076">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.1571500000000000"/>
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                                                    <Node score="0.01568985877394438">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.1571500000000000"/>
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                                                    <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="5.5000000000000009"/>
                                                    <Node score="-0.02955157326548127">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="1.2713500000000002"/>
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                                                    <Node score="-0.003192748730140331">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="1.2713500000000002"/>
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                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="159.6150000000000375"/>
                                                    <Node score="0.0591982574804141">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="3912.2500000000004547"/>
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                                                    <Node score="0.022399680952879756">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="3912.2500000000004547"/>
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                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="159.6150000000000375"/>
                                                    <Node score="0.030670013968398364">
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                                                    </Node>
                                                    <Node score="-0.008753132373575894">
                                                        <SimplePredicate field="loan_os_prcp_gt0_m12_num_pc" operator="greaterThan" value="81.4250000000000114"/>
                                                    </Node>
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                                <MiningSchema>
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                                    <MiningField name="apprv_amt_day" usageType="active"/>
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                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                <Node>
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                                                    <Node score="0.011276035219725365">
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                                                    </Node>
                                                    <Node score="0.03388214611230699">
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                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="32471.4200000000018917"/>
                                                    <Node score="-0.016845712692093315">
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                                                    </Node>
                                                    <Node score="0.02637865221371591">
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                                                    </Node>
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                                                    <Node score="0.03787899142182892">
                                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="1.5000000000000002"/>
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                                                    <Node score="-0.00034693506433597707">
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                                                    </Node>
                                                    <Node score="0.038540785663356725">
                                                        <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="5999.5000000000009095"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="65.1932000000000045"/>
                                                    <Node score="0">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="63.5000000000000071"/>
                                                    </Node>
                                                    <Node score="-0.039336109100862625">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="63.5000000000000071"/>
                                                    </Node>
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                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="3321.0000000000004547"/>
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                                                    </Node>
                                                    <Node score="0.004137439761856598">
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
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                                                <Node>
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                                                    </Node>
                                                    <Node score="0.0027865112476333654">
                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="394.5000000000000568"/>
                                                    </Node>
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                                                    <Node score="0.05098952808811563">
                                                        <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="6.5000000000000009"/>
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                                                    <Node score="0.06449458655148065">
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="2402.5000000000004547"/>
                                        <Node>
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                                            <Node>
                                                <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="3.4976000000000007"/>
                                                <Node>
                                                    <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="13250.0000000000018190"/>
                                                    <Node score="-0.010271288730669695">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="-0.4002499999999999"/>
                                                    </Node>
                                                    <Node score="0.0008585519892568982">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="-0.4002499999999999"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="min_apply_amt" operator="greaterThan" value="13250.0000000000018190"/>
                                                    <Node score="-0.02013126028259272">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.1107500000000000"/>
                                                    </Node>
                                                    <Node score="0.01332754189738515">
                                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.1107500000000000"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node score="0.03130514915559069">
                                                <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="3.4976000000000007"/>
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                                        </Node>
                                        <Node score="-0.03416909626070929">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="8.0654000000000021"/>
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                                    <Node>
                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="2402.5000000000004547"/>
                                        <Node>
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="1858.5000000000002274"/>
                                            <Node>
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                                                <Node>
                                                    <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="0.7544500000000001"/>
                                                    <Node score="0.03169632185725875">
                                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="7.5000000000000009"/>
                                                    </Node>
                                                    <Node score="-0.02253118751178587">
                                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="7.5000000000000009"/>
                                                    </Node>
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                                                <Node>
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                                                    <Node score="-0.03780606311368156">
                                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="19048.6100000000042201"/>
                                                    </Node>
                                                    <Node score="-0.00741302966447536">
                                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="19048.6100000000042201"/>
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                                            <Node score="0.008225345858207929">
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                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                                <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="1.5000000000000002"/>
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                                                    <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1926.4500000000000455"/>
                                                    <Node score="0.013251246235337839">
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                                                    <Node score="0.05605200845793243">
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                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="459.9550000000000409"/>
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                                                    </Node>
                                                    <Node score="-0.02857217175632258">
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                                                </Node>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                            <Node>
                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="4000.1000000000003638"/>
                                                <Node>
                                                    <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="383.9850000000000705"/>
                                                    <Node score="-0.018477180546406614">
                                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="348.1300000000000523"/>
                                                    </Node>
                                                    <Node score="0.00467199750756092">
                                                        <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="348.1300000000000523"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="383.9850000000000705"/>
                                                    <Node score="-0.03499584926051559">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="115.6000000000000085"/>
                                                    </Node>
                                                    <Node score="0.0017356268930229031">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="115.6000000000000085"/>
                                                    </Node>
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                                                    <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                                    <Node score="-0.0002816204697003286">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="247.6300000000000239"/>
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                                                    <Node score="-0.020719230386042405">
                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="247.6300000000000239"/>
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                                                    <Node score="0.009087365192192632">
                                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1209.5450000000003001"/>
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                                                    <Node score="-0.007742454729401891">
                                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1209.5450000000003001"/>
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                                                    <Node score="-0.00023130149085820608">
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                                                    <Node score="-0.008439383133173882">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="97.7050000000000125"/>
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                                                    <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="98.4250000000000256"/>
                                                    <Node score="0.011462792906867702">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="805.5000000000001137"/>
                                                    </Node>
                                                    <Node score="0.04913839248282482">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="805.5000000000001137"/>
                                                    </Node>
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                                                    <Node score="-0.015362840455242202">
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                                                    <Node score="0.005689397957761622">
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                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                                    </Node>
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                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="87.4250000000000256"/>
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                                                    <Node score="-0.007615267644166273">
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                </MiningSchema>
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                                                    <Node score="-0.0036106749015948417">
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                                                    </Node>
                                                    <Node score="0.00627424485851874">
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                                                        <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="2103.5000000000004547"/>
                                                    </Node>
                                                    <Node score="-0.006154927212412972">
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                                                    <Node score="-0.01479801372254015">
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                                                    <Node score="0.04131714433449511">
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                                                    <Node score="-0.02517219551017404">
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                                                    <Node score="-0.03506313441715949">
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                                                    <Node score="-0.0116805445762159">
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                                                        <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="5.5000000000000009"/>
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                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                                    <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="8.5000000000000018"/>
                                                    <Node score="0.08133586693184766">
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                                                    <Node score="0.01930419528491831">
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                                                <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="3213.9550000000003820"/>
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                                                    <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="1038.3650000000002365"/>
                                                    <Node score="-0.009763916482430674">
                                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="9.5000000000000018"/>
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                                                    <Node score="0.01813815872903253">
                                                        <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="9.5000000000000018"/>
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                                                    <Node score="-0.006261986841197178">
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node>
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                                            <Node>
                                                <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="674.0408000000001039"/>
                                                <Node>
                                                    <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8949500000000001"/>
                                                    <Node score="0.060079037842711895">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="-0.2592499999999999"/>
                                                    </Node>
                                                    <Node score="0.012951488016957398">
                                                        <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="greaterThan" value="-0.2592499999999999"/>
                                                    </Node>
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                                                <Node>
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                                                    <Node score="-0.04056546654850984">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.9999500000000001"/>
                                                    </Node>
                                                    <Node score="0.012482766577840405">
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                                                    <SimplePredicate field="useratemore50maxcontimonsm12" operator="lessOrEqual" value="9.5000000000000018"/>
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                                                    <Node score="0.008990940398640762">
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                                                    <Node score="-0.015837903462239657">
                                                        <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="1.5000000000000002"/>
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                                                    <Node score="0.016721290954062166">
                                                        <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="1.5000000000000002"/>
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                                                    <Node score="-0.038823995578132355">
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                                                    <Node score="-0.0046177250953709495">
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                                                    <Node score="-0.0061136596005245195">
                                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="91500.0000000000145519"/>
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                                                    <Node score="-0.0468469431381353">
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                                                    <Node score="-0.028734613497513547">
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                                                    <SimplePredicate field="cre_now_l90_limit_left_d_min" operator="lessOrEqual" value="-2.9606499999999998"/>
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                                                    </Node>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="-1.1455499999999998"/>
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                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="95.5350000000000108"/>
                                        </Node>
                                        <Node score="-0.039510370641307614">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="95.5350000000000108"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="-1.1455499999999998"/>
                                        <Node score="-0.027054608125520616">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="1.1350000000000000"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="1.1350000000000000"/>
                                            <Node>
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="17.8850000000000016"/>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="16.4350000000000058"/>
                                                    <Node score="0.026614727471287805">
                                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2150.0000000000004547"/>
                                                    </Node>
                                                    <Node score="-0.0032586668461624547">
                                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2150.0000000000004547"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="16.4350000000000058"/>
                                                    <Node score="0.00028825932025597">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1166.6500000000003183"/>
                                                    </Node>
                                                    <Node score="0.06732240053289207">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1166.6500000000003183"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="17.8850000000000016"/>
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                                                    <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="81.7250000000000085"/>
                                                    <Node score="-0.002176138168352602">
                                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                                    </Node>
                                                    <Node score="-0.02528703842356872">
                                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="81.7250000000000085"/>
                                                    <Node score="-0.02431967203630149">
                                                        <SimplePredicate field="loan_os_prcp_gt0_m12_num_pc" operator="lessOrEqual" value="38.7500000000000071"/>
                                                    </Node>
                                                    <Node score="-0.00034829224560879545">
                                                        <SimplePredicate field="loan_os_prcp_gt0_m12_num_pc" operator="greaterThan" value="38.7500000000000071"/>
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                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                                    </Node>
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                                                    </Node>
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                                                    <Node score="-0.0026274012084660197">
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                                                    </Node>
                                                    <Node score="-0.03473502835168631">
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                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0000000000000000"/>
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                                                    <Node score="0.0011152661636849722">
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                                        </Node>
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                                                <Node>
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                                                    <Node score="-0.000954766874351636">
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                                                    <Node score="0.009070724668362428">
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                            <Node>
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                                                <Node>
                                                    <SimplePredicate field="last_clear_num_m1" operator="lessOrEqual" value="1.5000000000000002"/>
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                                                    <Node score="0.03751581511591729">
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                                                    <SimplePredicate field="last_clear_num_m1" operator="greaterThan" value="1.5000000000000002"/>
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                                                    </Node>
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                                                    <Node score="0.022127479547624358">
                                                        <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.5176500000000004"/>
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                                                    <Node score="0.01946209405300785">
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                                                    <Node score="-0.004359681209140427">
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                                    <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="lessOrEqual" value="0.8591000000000001"/>
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                                                    <Node score="0.017894031953553">
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                                    <Node score="0.04720970704457212">
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                                                    <Node score="-0.01626272913206008">
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                                                    <Node score="-0.018449655584239517">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="787.5000000000001137"/>
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                                                    <Node score="0.0299451409799333">
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                                                        <SimplePredicate field="cre_now_l30_used_amt_d_min" operator="lessOrEqual" value="1.1213500000000003"/>
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                                                    <Node score="0.010799563486168158">
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                                                    <Node score="0.014360169241731306">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="97.3350000000000222"/>
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                                                    <Node score="-0.020750323523134766">
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                <Node>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                                    <Node score="0.013799109336259885">
                                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="7203.1800000000012005"/>
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                                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="91.7350000000000136"/>
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                                                    <Node score="-0.0252594506755107">
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                                </MiningSchema>
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                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.2550000000000001"/>
                                        <Node score="-0.04356890607188586">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="8.3350000000000026"/>
                                        </Node>
                                        <Node score="-0.004154242146201872">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="8.3350000000000026"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.2550000000000001"/>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="7.7285000000000013"/>
                                            <Node>
                                                <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="6.2982500000000003"/>
                                                <Node>
                                                    <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="3999.2850000000003092"/>
                                                    <Node score="0.01099612871339535">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.7561500000000001"/>
                                                    </Node>
                                                    <Node score="-0.01513785557604993">
                                                        <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.7561500000000001"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="3999.2850000000003092"/>
                                                    <Node score="0.011488777421129425">
                                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="19880.4700000000048021"/>
                                                    </Node>
                                                    <Node score="-0.015433441951595914">
                                                        <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="19880.4700000000048021"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="6.2982500000000003"/>
                                                <Node>
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="129.7250000000000227"/>
                                                    <Node score="0.04143395190574584">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="92.5850000000000222"/>
                                                    </Node>
                                                    <Node score="0.010630434037313423">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="92.5850000000000222"/>
                                                    </Node>
                                                </Node>
                                                <Node score="-0.025918261616512728">
                                                    <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="129.7250000000000227"/>
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                                            </Node>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="7.7285000000000013"/>
                                            <Node>
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="lessOrEqual" value="1.5000000000000002"/>
                                                <Node>
                                                    <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="199.5000000000000284"/>
                                                    <Node score="0.021158768534655793">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.3370500000000001"/>
                                                    </Node>
                                                    <Node score="-0.001022894309047565">
                                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.3370500000000001"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="199.5000000000000284"/>
                                                    <Node score="-0.000492096175748802">
                                                        <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                                    </Node>
                                                    <Node score="0.04633940616200811">
                                                        <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                                    </Node>
                                                </Node>
                                            </Node>
                                            <Node>
                                                <SimplePredicate field="useratemore90maxcontimonsm12" operator="greaterThan" value="1.5000000000000002"/>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="11233.2600000000002183"/>
                                                    <Node score="-0.0017950768962629489">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="138.5000000000000284"/>
                                                    </Node>
                                                    <Node score="-0.010249771272636524">
                                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="138.5000000000000284"/>
                                                    </Node>
                                                </Node>
                                                <Node>
                                                    <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="11233.2600000000002183"/>
                                                    <Node score="-0.02014085424146199">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1476.6100000000003547"/>
                                                    </Node>
                                                    <Node score="0.007924222650919284">
                                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1476.6100000000003547"/>
                                                    </Node>
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                        <Segment id="282" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m1" usageType="active"/>
                                    <MiningField name="apprv_amt_day" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_min" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                                    <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                                    <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                                    <Node score="-0.007014034589428318">
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                                                    <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="9.5000000000000018"/>
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                                                    <Node score="-0.0016113126048949078">
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                                                    <Node score="0.01788040850248048">
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                                                    </Node>
                                                    <Node score="-0.0011413608903673572">
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                                                    <Node score="0.00026305762480198166">
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                                                    </Node>
                                                    <Node score="-0.007786591997571453">
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                                                    </Node>
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                                                    <Node score="-0.0067258661615104956">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="94.6550000000000153"/>
                                                    </Node>
                                                    <Node score="0.04022926850854873">
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                                                    <Node score="-0.013538649226231537">
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                                                    <Node score="-0.04527244074553626">
                                                        <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0002500000000000"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                            <Node>
                                                <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="11.4531500000000026"/>
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                                                    <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2205.0000000000004547"/>
                                                    <Node score="-0.004185957730560321">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="99.9650000000000176"/>
                                                    </Node>
                                                    <Node score="0.03228179695756017">
                                                        <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="99.9650000000000176"/>
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                                                    <Node score="0.001152451359431693">
                                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="9.5000000000000018"/>
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                                                    <Node score="-0.039114772042492855">
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                                                    <Node score="-0.019791205568942094">
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                                                    <Node score="0.02676946603244327">
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                                                    <Node score="0.019670225969105518">
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                                    <MiningField name="loan_os_prcp_gt0_m3_num_pc" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_last_month_lo" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="20.2450000000000010"/>
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                                            <Node>
                                                <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1744.2550000000003365"/>
                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="46.5000000000000071"/>
                                                    <Node score="-0.003146618846615082">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.4165500000000000"/>
                                                    </Node>
                                                    <Node score="0.04426277172998566">
                                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.4165500000000000"/>
                                                    </Node>
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                                                <Node>
                                                    <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="46.5000000000000071"/>
                                                    <Node score="-0.03502750861302106">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="96.3750000000000142"/>
                                                    </Node>
                                                    <Node score="0.002718518725371684">
                                                        <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="96.3750000000000142"/>
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                                                    <Node score="0.011984814697089634">
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                                                    </Node>
                                                    <Node score="-0.025744112853418367">
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                                                    <Node score="0.04324916074639301">
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                                                    <Node score="-3.735545859094942e-05">
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                                                    <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="2028.5000000000002274"/>
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            <Segment id="2" weight="1">
                <True/>
                <RegressionModel modelName="LGBMClassifier" functionName="classification" normalizationMethod="logit">
                    <MiningSchema>
                        <MiningField name="lgbValue" usageType="active" optype="continuous"/>
                        <MiningField name="target" usageType="target" optype="categorical"/>
                    </MiningSchema>
                    <Output>
                        <OutputField name="probability_0" optype="continuous" dataType="double" feature="probability" value="0"/>
                        <OutputField name="probability_1" optype="continuous" dataType="double" feature="probability" value="1"/>
                        <OutputField name="predicted_target" optype="categorical" dataType="integer" feature="predictedValue"/>
                    </Output>
                    <RegressionTable intercept="0.0" targetCategory="1">
                        <NumericPredictor name="lgbValue" exponent="1" coefficient="1.0"/>
                    </RegressionTable>
                    <RegressionTable intercept="0.0" targetCategory="0"/>
                </RegressionModel>
            </Segment>
        </Segmentation>
    </MiningModel>
</PMML>
