<?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>2026-11-02 16:05:55.154753</Timestamp>
    </Header>
    <DataDictionary numberOfFields="41">
        <DataField name="due_day_my" optype="continuous" dataType="double"/>
        <DataField name="f_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="t_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="min_apply_amt" optype="continuous" dataType="double"/>
        <DataField name="grade_limit_amount" optype="continuous" dataType="double"/>
        <DataField name="shd_pre_repay_amt_rate" optype="continuous" dataType="double"/>
        <DataField name="ps_int_amt_sum" optype="continuous" dataType="double"/>
        <DataField name="shd_pre_repay_cnt" optype="continuous" dataType="double"/>
        <DataField name="s_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="orig_prcp_avg_m12" optype="continuous" dataType="double"/>
        <DataField name="ps_int_amt_avg" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_m6_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="available_limit_amt" optype="continuous" dataType="double"/>
        <DataField name="suc_apprv_num_m6" optype="continuous" dataType="double"/>
        <DataField name="cre_l90_used_limit_amt_min" optype="continuous" dataType="double"/>
        <DataField name="avg_tnr" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m12" optype="continuous" dataType="double"/>
        <DataField name="useratemore90maxcontimonsm12" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_m_max" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_gt0_m12_num_pc" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m3" optype="continuous" dataType="double"/>
        <DataField name="end_loan_to_rep_loan_freq" optype="continuous" dataType="double"/>
        <DataField name="max_loan_os_prcp_m12" optype="continuous" dataType="double"/>
        <DataField name="min_tnr" optype="continuous" dataType="double"/>
        <DataField name="cre_now_p1m_used_rate_m" optype="continuous" dataType="double"/>
        <DataField name="useratemore70monthsubcurmonth" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_used_amt_d_max" optype="continuous" dataType="double"/>
        <DataField name="useratemore70_m6_num" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l90_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m6" optype="continuous" dataType="double"/>
        <DataField name="cre_l60_used_limit_rate_min" optype="continuous" dataType="double"/>
        <DataField name="useratemore50maxcontimonsm12" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_usedrate_m_max" optype="continuous" dataType="double"/>
        <DataField name="useratemore90_m3_num" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_limit_left_d_max" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_d_min" optype="continuous" dataType="double"/>
        <DataField name="apprv_num_m1" optype="continuous" dataType="double"/>
        <DataField name="last_clear_num_m1" 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="f_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="t_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="min_apply_amt" usageType="active" optype="continuous"/>
            <MiningField name="grade_limit_amount" usageType="active" optype="continuous"/>
            <MiningField name="shd_pre_repay_amt_rate" usageType="active" optype="continuous"/>
            <MiningField name="ps_int_amt_sum" usageType="active" optype="continuous"/>
            <MiningField name="shd_pre_repay_cnt" usageType="active" optype="continuous"/>
            <MiningField name="s_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="orig_prcp_avg_m12" usageType="active" optype="continuous"/>
            <MiningField name="ps_int_amt_avg" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="available_limit_amt" usageType="active" optype="continuous"/>
            <MiningField name="suc_apprv_num_m6" usageType="active" optype="continuous"/>
            <MiningField name="cre_l90_used_limit_amt_min" usageType="active" optype="continuous"/>
            <MiningField name="avg_tnr" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90maxcontimonsm12" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_m_max" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active" optype="continuous"/>
            <MiningField name="end_loan_to_rep_loan_freq" usageType="active" optype="continuous"/>
            <MiningField name="max_loan_os_prcp_m12" usageType="active" optype="continuous"/>
            <MiningField name="min_tnr" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_p1m_used_rate_m" usageType="active" optype="continuous"/>
            <MiningField name="useratemore70monthsubcurmonth" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_used_amt_d_max" usageType="active" optype="continuous"/>
            <MiningField name="useratemore70_m6_num" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l90_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active" optype="continuous"/>
            <MiningField name="cre_l60_used_limit_rate_min" usageType="active" optype="continuous"/>
            <MiningField name="useratemore50maxcontimonsm12" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_usedrate_m_max" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90_m3_num" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_limit_left_d_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_d_min" usageType="active" optype="continuous"/>
            <MiningField name="apprv_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="last_clear_num_m1" 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">
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                        <MiningField name="f_ps_od_days_max" usageType="active"/>
                        <MiningField name="t_ps_od_days_max" usageType="active"/>
                        <MiningField name="min_apply_amt" usageType="active"/>
                        <MiningField name="grade_limit_amount" usageType="active"/>
                        <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                        <MiningField name="ps_int_amt_sum" usageType="active"/>
                        <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                        <MiningField name="s_ps_od_days_max" usageType="active"/>
                        <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                        <MiningField name="ps_int_amt_avg" usageType="active"/>
                        <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="available_limit_amt" usageType="active"/>
                        <MiningField name="suc_apprv_num_m6" usageType="active"/>
                        <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                        <MiningField name="avg_tnr" usageType="active"/>
                        <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                        <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                        <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                        <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                        <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                        <MiningField name="min_tnr" usageType="active"/>
                        <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                        <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                        <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                        <MiningField name="useratemore70_m6_num" usageType="active"/>
                        <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                        <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                        <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                        <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                        <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                        <MiningField name="useratemore90_m3_num" usageType="active"/>
                        <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                        <MiningField name="apprv_num_m1" usageType="active"/>
                        <MiningField name="last_clear_num_m1" usageType="active"/>
                    </MiningSchema>
                    <Output>
                        <OutputField name="lgbValue" optype="continuous" dataType="double" feature="predictedValue"/>
                    </Output>
                    <Segmentation multipleModelMethod="sum" missingThreshold="1">
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <Node score="-2.3873869060036874">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        </Node>
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                                    <Node>
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                                        <Node score="-2.402302179913356">
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                                        </Node>
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                                        </Node>
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                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                <Node>
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                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="2.3310000000000008"/>
                                        </Node>
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                                    <Node>
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                                        <Node score="0.006844391974879099">
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                                        </Node>
                                        <Node score="-0.005568140759571521">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        </Node>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                        </Node>
                                        <Node score="0.02049208709824621">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1222.0250000000003183"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0035749171594895873">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008730041065539158">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                            <True/>
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                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.016355839667360275">
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                                    <Node score="0.17436879347913387">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="0.019375793973512256">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.002534706421120374">
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                                        <Node score="0.02311399853380685">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <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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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                <Node>
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                                        <Node score="9.201644714951436e-05">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.008443611770914475">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="8049.2300000000004729"/>
                                        </Node>
                                        <Node score="0.024249989838558">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="8049.2300000000004729"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.009020466932313979">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="46.8150000000000048"/>
                                        </Node>
                                        <Node score="-0.0012559838885341792">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="46.8150000000000048"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="10" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="0.010566610444999194">
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                                        <Node score="0.02857915115803267">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.006393051109466194">
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                                        </Node>
                                        <Node score="-0.005045516038245466">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="-0.01635898047054875">
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                                        <Node score="0.017488411197545548">
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <Node score="0.11168056759954924">
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                <Node>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                <Node>
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                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
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                                    <Node>
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                                        </Node>
                                        <Node score="-0.00957821503462454">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.013596137956195894">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.004024636224363076">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.006195825475614081">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        </Node>
                                        <Node score="0.0025361635278734504">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
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                                </Node>
                            </TreeModel>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.014265831517388607">
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                                        <Node score="0.0005776705642568978">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.1433500000000001"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0068529898890799515">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.005545720238366433">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="0.0029092990548926583">
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                                    <Node>
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                                        <Node score="0.0007533397475355238">
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                                        <Node score="-0.008999119177518208">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                    <Node>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.002166106606742341">
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                                        <Node score="0.017447335902986902">
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                        <Segment id="20" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.014232223439323751">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.002276975035845413">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.003824873947542411">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005305917091136628">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="21" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.006420615701800737">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1866.5150000000001000"/>
                                        </Node>
                                        <Node score="0.018470836538747457">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1866.5150000000001000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0018926397337486356">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                        </Node>
                                        <Node score="0.02559154080724111">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="11.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="22" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.016376915198165212">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        <Node score="0.07825179481350202">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="44.5000000000000071"/>
                                        </Node>
                                        <Node score="0.0950238547232016">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="44.5000000000000071"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="23" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node score="0.00580859422723574">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4788.1250000000009095"/>
                                        </Node>
                                        <Node score="0.014324722886784954">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4788.1250000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        <Node score="-0.008769028849464995">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0007274903422831925">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                        <Segment id="24" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="0.0028531953276835172">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
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                                        <Node score="-0.008628603580235702">
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                                        </Node>
                                        <Node score="-0.0005258202300902678">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="46.2250000000000014"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.005057273199917663">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1866.5150000000001000"/>
                                        </Node>
                                        <Node score="0.01688442597310454">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1866.5150000000001000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.017993290485982767">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                    <Node>
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                                        <Node score="0.08619511509377549">
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.021827567280956976">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="8226.3150000000023283"/>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                                        <Node score="-0.004492712590823005">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
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                                        <Node score="-0.01261615137507838">
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                                        <Node score="-0.0015570593704983748">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                <Node>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
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                                        </Node>
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                                    <Node score="0.07054161961576182">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <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="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                <Node>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.005906959323821461">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="850.5000000000001137"/>
                                        </Node>
                                        <Node score="0.014853522992739517">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="850.5000000000001137"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0015886581067645275">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                        </Node>
                                        <Node score="0.019303069481470255">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="11.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="38" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.0162398314126604">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.017107121190472967">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                        <Node score="0.053317962190169946">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.060149753932360085">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
                            </TreeModel>
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                        <Segment id="39" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.016219744059315536">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.016282391518599185">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                        <Node score="0.05128916104040821">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.057418177795937844">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
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                        <Segment id="40" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0001630717695624933">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.1277500000000000"/>
                                        </Node>
                                        <Node score="0.009232470254389114">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.1277500000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.004707905005330703">
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                                        <Node score="-0.004326101449271828">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="41" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <Node score="0.007974829960661543">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
                                        </Node>
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                                    <Node>
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                                        <Node score="-0.001595912083855738">
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                                        <Node score="0.01317633972582367">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                        </Node>
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                        <Segment id="42" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.016195963558269525">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        <Node score="0.04284635260589002">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="44.5000000000000071"/>
                                        </Node>
                                        <Node score="0.05035805335571145">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="44.5000000000000071"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="0.0019427392044895745">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.005542877536826485">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
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                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="11022.1600000000016735"/>
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                                        <Node score="0.015421256628782822">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="11022.1600000000016735"/>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.005529867312992043">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="1802.5000000000002274"/>
                                        </Node>
                                        <Node score="0.01599694771994161">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="1802.5000000000002274"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0003408575497317196">
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                                        </Node>
                                        <Node score="-0.006944134306662199">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                <Node>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.009627283003877213">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="4.5000000000000009"/>
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                        <Segment id="48" weight="1">
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.016149237286576964">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        <Node score="0.03862269413371223">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="44.5000000000000071"/>
                                        </Node>
                                        <Node score="0.04525338793361478">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="44.5000000000000071"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="49" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0020979572251813767">
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                                        <Node score="0.009734312223836465">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0031082206063991493">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.002909486765761089">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node score="-0.016133594967812182">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                    <Node>
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                                        <Node score="0.035972974083024974">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="44.5000000000000071"/>
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                                        <Node score="0.043702060794543696">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="44.5000000000000071"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="-0.00010632291870070674">
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                                        <Node score="0.008435528873269508">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0694500000000000"/>
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                                    <Node>
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                                        <Node score="-0.002979746540573346">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                <Node>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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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"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="0.007439233069224449">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
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                                    <Node>
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                                        <Node score="-1.0726547183633175e-05">
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                                        <Node score="-0.00738241665627325">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.002766062808108592">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
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                                        <Node score="0.008945264640781032">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0025029352392187294">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0042207569091998074">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.004370522216530074">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
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                                        <Node score="0.012035356408607801">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.00022894293130609064">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.007994132431443967">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="0.013288507911797694">
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                                    <Node>
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                                        <Node score="-0.0067808762511618135">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                <Node>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                <Node>
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                        <Segment id="59" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.016162464993092467">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.011197264259055668">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.04176179267563234">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="60" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.008929068922753974">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.004730593569018767">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.003513391622824201">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0034759529448869604">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
                            </TreeModel>
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                        <Segment id="61" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                        <Node score="-0.0009497243433790803">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.007571669165016259">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
                                        <Node score="0.006338897319479488">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0009907366583651993">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.016135103586100902">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        <Node score="0.03425085224742149">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="44.5000000000000071"/>
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                                        <Node score="0.040306832392389365">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="44.5000000000000071"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
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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"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="0.006574401601593695">
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                                        </Node>
                                        <Node score="-0.0016130737418360375">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.4756500000000001"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="3.267438979178999e-05">
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                                        </Node>
                                        <Node score="-0.007553745934815124">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
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                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.003123206479735752">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
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                                        <Node score="-0.008307331399067279">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="54.0950000000000060"/>
                                        </Node>
                                        <Node score="-0.00033055677351475477">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="54.0950000000000060"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="0.010638298015690033">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="237.5000000000000284"/>
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                                    <Node>
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                                        <Node score="-0.0003484443430560359">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
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                                <Node>
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                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
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                                <Node>
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                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0321500000000003"/>
                                        <Node score="0.00608795282211283">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0007521125378612132">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0321500000000003"/>
                                        <Node score="-0.011461003912223433">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                        </Node>
                                        <Node score="-0.0012232848811386703">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="71" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0032129408648035075">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                        </Node>
                                        <Node score="0.009549040108456867">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0036711052026876085">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="86.1350000000000051"/>
                                        </Node>
                                        <Node score="0.002100578506117638">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="86.1350000000000051"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="72" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0065655030633104934">
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                                        </Node>
                                        <Node score="-0.0011587129334955603">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.8884500000000004"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0024673231503843773">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003891054076614295">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="0.005511819557573636">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.000599314990494644">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        <Node score="-0.0005822104889664928">
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                                        <Node score="-0.0073486631298001455">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="-0.0011459869650418204">
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                                        <Node score="0.006912098776316463">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0694500000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
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                                        <Node score="-0.004354964567052871">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="32.7600000000000122"/>
                                        </Node>
                                        <Node score="0.0016112167953129819">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="76" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.016111215464879432">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.008485376622017789">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.03621658816924612">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                    </Node>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0015467453149292344">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7807500000000002"/>
                                        </Node>
                                        <Node score="0.0062493469358148096">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7807500000000002"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.007554752624466058">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="46.2250000000000014"/>
                                        </Node>
                                        <Node score="-0.00016306544953327906">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="46.2250000000000014"/>
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                        <Segment id="78" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="0.004318864393821402">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
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                                        <Node score="0.012232531368322778">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
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                                    <Node>
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                                        <Node score="0.0020807511614193866">
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                                        <Node score="-0.0037250736807313304">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                <Node>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                        <Node score="-2.8478477020745286e-05">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="337.4350000000000591"/>
                                        </Node>
                                        <Node score="-0.006838549599368381">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="337.4350000000000591"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
                                        <Node score="0.006084109806561762">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0013671815784894099">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="82" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0009241887187960006">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="457.2550000000000523"/>
                                        </Node>
                                        <Node score="0.00538497759001811">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="457.2550000000000523"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0019576230411246912">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.009957091609337786">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="83" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.01606776349947855">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.0076522522966817495">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                        <Node score="0.03265185348102067">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.03750977414660899">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0012053982132588029">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0694500000000000"/>
                                        </Node>
                                        <Node score="0.005659817502122536">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0694500000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0019576569935035163">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0037202330315608107">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
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                        <Segment id="85" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="0.007686221890973567">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1866.5150000000001000"/>
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                                    <Node>
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                                        <Node score="-0.00331925466995393">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="25.3200000000000038"/>
                                        <Node score="0.0018341777083865462">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
                                        </Node>
                                        <Node score="0.006058223692867078">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="25.3200000000000038"/>
                                        <Node score="0.0020883370737174744">
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                                        </Node>
                                        <Node score="-0.0034048138082164903">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="87" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.003722231291158869">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        </Node>
                                        <Node score="0.0014402374558017375">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="0.0025225023824883615">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="353.5000000000000568"/>
                                        </Node>
                                        <Node score="0.006925381539655195">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="353.5000000000000568"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="88" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.016059704634748227">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.007280395046251567">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                        <Node score="0.03180303849925054">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.03669449757459525">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="89" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node score="0.005114004175254946">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="337.4350000000000591"/>
                                        </Node>
                                        <Node score="0.0009561886539678617">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="337.4350000000000591"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        <Node score="-0.0008222717369228005">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.00716079124468296">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                    <Node>
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                                        <Node score="0.02622439029114208">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="44.5000000000000071"/>
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                                        <Node score="0.0323353097734231">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="44.5000000000000071"/>
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                            <True/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <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"/>
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                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                <Node>
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                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="76.5450000000000159"/>
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                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                                        <Node score="0.004864994827870126">
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                        <Segment id="92" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-4.329724678113045e-06">
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                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                        </Node>
                                        <Node score="-0.006711965550648134">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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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"/>
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                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.015971184694725804">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        <Node score="0.024045753979065762">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="44.5000000000000071"/>
                                        </Node>
                                        <Node score="0.030160783896187527">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="44.5000000000000071"/>
                                        </Node>
                                    </Node>
                                </Node>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node score="0.0041007815695971415">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.00022207835116673313">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        <Node score="-0.0004301328952457252">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005891647234993753">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="100" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.015973499853577187">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                        <Node score="0.004623060614821914">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.029877538405834486">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0020675037811479064">
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                                        </Node>
                                        <Node score="0.008255145850414107">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-1.6116787675854574e-05">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.006033255128796684">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="102" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00132038093678264">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1682.9800000000002456"/>
                                        </Node>
                                        <Node score="0.006007912576244239">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1682.9800000000002456"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0023447235282805074">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003296022284136763">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.000509309378282686">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="952.5950000000001410"/>
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                                        <Node score="0.004496686573974641">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="952.5950000000001410"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                        <Node score="-0.004170878830889087">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="0.001290971115941617">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
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                                        <Node score="0.004794731602289022">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                        <Node score="-0.00045576337458505235">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                <Node>
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                                <Node>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0008347299377883634">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.008700912729514896">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0010284781949380852">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="237.5000000000000284"/>
                                        </Node>
                                        <Node score="0.004980650761412612">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="237.5000000000000284"/>
                                        </Node>
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                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.01590473155616497">
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                                    <Node score="0.02776001978072832">
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="9.811957371473435e-06">
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                                        <Node score="0.005803298088603153">
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                <Node>
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                                        <Node score="0.0015623290945804462">
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                                    <Node>
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                                        <Node score="-0.0031148700486795617">
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                                        </Node>
                                        <Node score="0.0017762864994514348">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        </Node>
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                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="0.0030569589724699876">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
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                                    <Node>
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                                        <Node score="0.00023929605558986876">
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <Node>
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                                        <Node score="0.026854909577106897">
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                <Node>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0000500000000001"/>
                                        <Node score="0.0068906291467622375">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.001500444806085929">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0000500000000001"/>
                                        <Node score="-0.0009697436869886366">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4410.0000000000009095"/>
                                        </Node>
                                        <Node score="-0.007172367329438536">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4410.0000000000009095"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="121" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0013312624969226115">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1682.9800000000002456"/>
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                                        <Node score="0.005379006561247753">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1682.9800000000002456"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.001069880605209471">
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                                        </Node>
                                        <Node score="-0.004135024109999505">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0321500000000003"/>
                                        <Node score="0.0013963740769617813">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="6654.1350000000011278"/>
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                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="6654.1350000000011278"/>
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                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0321500000000003"/>
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                                        </Node>
                                        <Node score="0.0011770720879354696">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="13799.9700000000029831"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                <Node>
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                                <Node>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="32.7600000000000122"/>
                                        <Node score="0.0008346209860770764">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="180500.0000000000291038"/>
                                        </Node>
                                        <Node score="-0.004900528266085418">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="180500.0000000000291038"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
                                        <Node score="-0.0005371837022749204">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.002967281059169185">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="127" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                        <Node score="0.0028302800907859444">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="0.008277823179855306">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        <Node score="-0.004244899700139712">
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="0.0007817241839152621">
                                            <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="128" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.001793023768277358">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="850.5000000000001137"/>
                                        </Node>
                                        <Node score="0.005910464773777514">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="850.5000000000001137"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0006988242607371929">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1095.2300000000002456"/>
                                        </Node>
                                        <Node score="-0.003941599246462363">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1095.2300000000002456"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="129" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0035653190768199982">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0006961387072751932">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.4250500000000004"/>
                                        </Node>
                                        <Node score="-0.004822072294925804">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.4250500000000004"/>
                                        </Node>
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                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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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"/>
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                                <Node>
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                                    <Node score="0.02546381973253252">
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.1433500000000001"/>
                                        <Node score="0.0009223742712655219">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8102500000000001"/>
                                        </Node>
                                        <Node score="0.003978985784615824">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8102500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.1433500000000001"/>
                                        <Node score="-0.009377314294300438">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                        </Node>
                                        <Node score="-0.0007583914039519696">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="132" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.015809584833933313">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                        <Node score="0.0028518812342676635">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
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                                    <Node score="0.02513284329075271">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <Node score="-0.00034991015510849554">
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                                        <Node score="0.003280932300227674">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
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                                    <Node>
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                                        <Node score="0.0018295599232153342">
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                                        <Node score="-0.002883879880616731">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="0.0009105716576237696">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="237.5000000000000284"/>
                                        </Node>
                                        <Node score="0.004326158632859273">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="237.5000000000000284"/>
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                                    <Node>
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                                        <Node score="-0.0030272796100688404">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="31000.5000000000036380"/>
                                        </Node>
                                        <Node score="0.005780594284891693">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="31000.5000000000036380"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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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"/>
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                                <Node>
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                                        <Node score="0.004799987955175631">
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="0.0008305663245297336">
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                                        </Node>
                                        <Node score="0.004096803560211465">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8102500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.1060000000000003"/>
                                        <Node score="-0.0011381414645748147">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="-0.007183467869711036">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="137" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="50.5750000000000099"/>
                                        <Node score="-0.00011287224270698796">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="lessOrEqual" value="1.0321500000000003"/>
                                        </Node>
                                        <Node score="-0.005059010576155822">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.0321500000000003"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="50.5750000000000099"/>
                                        <Node score="0.002920139850857737">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.00020698985532502457">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="138" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
                                        <Node score="-0.0035075837931755334">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="38.0250000000000128"/>
                                        </Node>
                                        <Node score="0.0009358436056098967">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="38.0250000000000128"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
                                        <Node score="0.006448631859131118">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.002070263198751326">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="139" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0029822130277646457">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        <Node score="-0.0072698925897539245">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.00016141679878939197">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
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                        <Segment id="140" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.01580495530819393">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                        <Node score="0.003555583781532813">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.024850602328683292">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.0034584312270962065">
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                                        <Node score="0.0005231345953404464">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="65.2750000000000199"/>
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                        <Segment id="142" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="-0.0015313864342124694">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                        </Node>
                                        <Node score="0.0024138936511056462">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.0058897114704146054">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="8.5000000000000018"/>
                                        </Node>
                                        <Node score="-0.0004130855897539984">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="8.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="143" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1222.0250000000003183"/>
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                                        </Node>
                                        <Node score="-0.004031456639680942">
                                            <SimplePredicate field="cre_now_l60_used_amt_d_min" operator="greaterThan" value="1.3637500000000002"/>
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                                    <Node>
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                                        </Node>
                                        <Node score="0.003622231897401776">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6389500000000001"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                <Node>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.01577065572343095">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.0033879146176908296">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.02416778978145526">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0009374885866841053">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="603.5000000000001137"/>
                                        </Node>
                                        <Node score="0.004458667611130328">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="603.5000000000001137"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.007243948035878553">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0008246606273472554">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                        <Segment id="150" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.010405037986331528">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                        </Node>
                                        <Node score="-0.002184526827350443">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-6.646765782082154e-05">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7807500000000002"/>
                                        </Node>
                                        <Node score="0.0033852139033984574">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7807500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="151" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0013402110066796375">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="237.5000000000000284"/>
                                        </Node>
                                        <Node score="0.00529004496567889">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="237.5000000000000284"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.000983082701330708">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.0026108409261733564">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-2.482601170926935e-05">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.004671892346420735">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="-0.00025521557861539826">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.003053116402743641">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
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                                </Node>
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                        <Segment id="153" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.008607020167530495">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="7.3850000000000007"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="7.3850000000000007"/>
                                        <Node score="-0.0004792666352527815">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        </Node>
                                        <Node score="0.0023331576754960703">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <Node>
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                                        <Node score="-0.001052824282795021">
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                <Node>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002656212963105283">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="25.3200000000000038"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="25.3200000000000038"/>
                                        <Node score="-0.0018544967441639871">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="603.5000000000001137"/>
                                        </Node>
                                        <Node score="0.0015693063667852607">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="603.5000000000001137"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="160" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.0025438902513617565">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0005261641392933815">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0025483602872074457">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="161" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0009032680029381168">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="603.5000000000001137"/>
                                        </Node>
                                        <Node score="0.004306738858969961">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="603.5000000000001137"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.002264079144364413">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="0.003829063914253226">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                        </Node>
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                                </Node>
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                        <Segment id="162" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00046468090327717753">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1371.4650000000001455"/>
                                        </Node>
                                        <Node score="0.0034256114546119204">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1371.4650000000001455"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0032255111247727624">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="72.0250000000000199"/>
                                        </Node>
                                        <Node score="0.0005166059488248893">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="72.0250000000000199"/>
                                        </Node>
                                    </Node>
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                        <Segment id="163" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
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                                            <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="2300.8889000000003762"/>
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                                        <Node score="0.0028210855392332146">
                                            <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="2300.8889000000003762"/>
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                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.005938896718077875">
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                                        </Node>
                                        <Node score="-0.00040959074197524615">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="54.9650000000000105"/>
                                        </Node>
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                        <Segment id="164" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="useratemore50maxcontimonsm12" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="0.0019351998540425898">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="337.4350000000000591"/>
                                        </Node>
                                        <Node score="-0.004776023734462412">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="337.4350000000000591"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="useratemore50maxcontimonsm12" operator="greaterThan" value="2.5000000000000004"/>
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                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
                                        </Node>
                                        <Node score="0.0036770511241247406">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
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                                <Node>
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="46.8150000000000048"/>
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                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                <Node>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.015653269785740265">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.0012714804914300592">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.021984578507255974">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="177" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.000938874523466893">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="287.5000000000000568"/>
                                        </Node>
                                        <Node score="0.004547089347315113">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="287.5000000000000568"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0018117958712481207">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="0.0038273449440353637">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="178" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.00016684542500158231">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="809.5200000000000955"/>
                                        </Node>
                                        <Node score="0.00275037711391157">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="809.5200000000000955"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0006011367479582923">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="3650.0000000000004547"/>
                                        </Node>
                                        <Node score="-0.003225149299997462">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3650.0000000000004547"/>
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                                    </Node>
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                        <Segment id="179" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.015644151277497544">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                        <Node score="-0.00062426489988564">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
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                                    <Node score="0.021822707055517778">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
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                            <True/>
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                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <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="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
                                    <True/>
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                                    <Node>
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                                        <Node score="0.015432712747022093">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="44.5000000000000071"/>
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                                        <Node score="0.021579742369174287">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="44.5000000000000071"/>
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                                    </Node>
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                        </Segment>
                        <Segment id="182" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00021558211528860199">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1866.5150000000001000"/>
                                        </Node>
                                        <Node score="0.0035475717022040404">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1866.5150000000001000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.002204395295141287">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="0.003696101701068082">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.0007338479533706946">
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                                        <Node score="0.0036425139236217568">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4788.1250000000009095"/>
                                        </Node>
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                                    <Node score="-0.0021720116213934243">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        <Node score="0.0015583305497430873">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.001967825113245385">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node score="0.005167704596990504">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0022623447202011686">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="32.7600000000000122"/>
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
                                        <Node score="-0.00028512653794578706">
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                                        <Node score="0.0021419433936983364">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                <Node>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.01561410167341904">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
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                                    <Node score="0.021434878667499446">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
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                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.003002092031193856">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
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                                        <Node score="-0.006651981149753217">
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                                        </Node>
                                        <Node score="0.0017753117983624965">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="7.3850000000000007"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                <Node>
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                                <Node>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002084336224120793">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        <Node score="-0.0038165177625653544">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="34.9350000000000094"/>
                                        </Node>
                                        <Node score="0.00025999993252146116">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="34.9350000000000094"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="194" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.015575566780165421">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                        <Node score="-0.00018926600516841938">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
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                                    <Node score="0.02089442288097242">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                    </Node>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.015552148464595529">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        <Node score="0.015169199992112713">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="44.5000000000000071"/>
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                                        <Node score="0.020656281846614215">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="44.5000000000000071"/>
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                        <Segment id="196" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                    <Node score="-0.015540668717433904">
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                    <Node>
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                                        <Node score="0.014081558033808556">
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                                        <Node score="0.02054542901495792">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node score="-0.0006276868222932615">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
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                                    <Node score="0.001683116992398303">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
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                        <Segment id="198" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
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                                    <Node score="-0.0022953217056645076">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="27.5450000000000053"/>
                                    </Node>
                                    <Node score="0.000904155532400533">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="27.5450000000000053"/>
                                    </Node>
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                        <Segment id="199" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.015548441516356351">
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                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
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                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="42.5450000000000088"/>
                                        <Node score="0.001614169083213906">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1095.2300000000002456"/>
                                        </Node>
                                        <Node score="-0.003441932402357238">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1095.2300000000002456"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.001406203750786053">
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="42.5450000000000088"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="206" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0007245056983655469">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6798500000000001"/>
                                    </Node>
                                    <Node score="0.001626493588269904">
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6798500000000001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="207" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0019634551213539853">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="25.3200000000000038"/>
                                    </Node>
                                    <Node score="-0.0002860663930857114">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="25.3200000000000038"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="208" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="-0.004060406235449646">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="45.4550000000000054"/>
                                        </Node>
                                        <Node score="0.0002682267996449473">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="45.4550000000000054"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0017697360819898518">
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="209" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0019244704067451002">
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0005599679830864106">
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="210" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0015152450429195222">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4050.0000000000004547"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
                                        <Node score="-0.003170031931544832">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1113.3350000000002638"/>
                                        </Node>
                                        <Node score="0.0004572249294660968">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1113.3350000000002638"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="211" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.015505966771437183">
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                                        </Node>
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                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.019989958418518368">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                    </Node>
                                </Node>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
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                                    <Node score="-0.0023748932923107506">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                    <Node>
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                                        <Node score="0.019763547976653324">
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
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                                <Node>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                <Node>
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                                <Node>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                    <Node>
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                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="44.5000000000000071"/>
                                        </Node>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
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                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
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                                <Node>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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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"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0008871876257085963">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                    </Node>
                                    <Node score="-0.0023365483781289656">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="224" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0015783975362459372">
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4050.0000000000004547"/>
                                    </Node>
                                    <Node score="-0.0007759995346678626">
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="225" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.015440163448645466">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.0008110673518358755">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.019258847922008066">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
                                    </Node>
                                </Node>
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                        <Segment id="226" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0004425047839438404">
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                    </Node>
                                    <Node score="0.0025091775183006537">
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
                                    </Node>
                                </Node>
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                        <Segment id="227" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="due_day_my" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
                                        <Node score="-0.015433030782321817">
                                            <SimplePredicate field="due_day_my" operator="lessOrEqual" value="26.5000000000000036"/>
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                                        <Node score="-0.0005825504212707154">
                                            <SimplePredicate field="due_day_my" operator="greaterThan" value="26.5000000000000036"/>
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                                    <Node score="0.01918606134083599">
                                        <SimplePredicate field="due_day_my" operator="greaterThan" value="32.5000000000000071"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node score="0.0012665207265812619">
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0022201083613867527">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
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                                        <Node score="0.0031036934572168744">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                        <Segment id="229" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
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                                        <Node score="-0.015425412252922299">
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
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                                <Node>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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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"/>
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                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="due_day_my" operator="lessOrEqual" value="32.5000000000000071"/>
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                                <MiningSchema>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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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="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" 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_m3" usageType="active"/>
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                                <Node>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_d_min" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
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</PMML>
