<?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 16:30:59.568039</Timestamp>
    </Header>
    <DataDictionary numberOfFields="41">
        <DataField name="min_apply_amt" optype="continuous" dataType="double"/>
        <DataField name="grade_limit_amount" optype="continuous" dataType="double"/>
        <DataField name="orig_prcp_avg_m12" optype="continuous" dataType="double"/>
        <DataField name="shd_pre_repay_amt_rate" 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="useratemore90maxcontimonsm12" optype="continuous" dataType="double"/>
        <DataField name="suc_apprv_num_m6" optype="continuous" dataType="double"/>
        <DataField name="shd_pre_repay_cnt" optype="continuous" dataType="double"/>
        <DataField name="ps_int_amt_sum" 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_gt0_m12_num_pc" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m12" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_used_amt_m_max" optype="continuous" dataType="double"/>
        <DataField name="min_tnr" optype="continuous" dataType="double"/>
        <DataField name="t_ps_od_days_max" 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="useratemore70monthsubcurmonth" optype="continuous" dataType="double"/>
        <DataField name="max_loan_os_prcp_m12" optype="continuous" dataType="double"/>
        <DataField name="s_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="f_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l30_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="cre_l90_used_limit_amt_min" optype="continuous" dataType="double"/>
        <DataField name="available_limit_amt" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l90_limit_left_d_min" optype="continuous" dataType="double"/>
        <DataField name="end_loan_to_rep_loan_freq" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m3" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_credit_amount_m6" optype="continuous" dataType="double"/>
        <DataField name="cre_now_p1m_used_rate_m" 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="cre_l60_used_limit_rate_min" optype="continuous" dataType="double"/>
        <DataField name="useratemore90_m3_num" optype="continuous" dataType="double"/>
        <DataField name="last_clear_num_m1" optype="continuous" dataType="double"/>
        <DataField name="cre_now_l60_limit_left_d_max" optype="continuous" dataType="double"/>
        <DataField name="apprv_num_m1" optype="continuous" dataType="double"/>
        <DataField name="cre_l30_l90_used_amt_m_min" optype="continuous" dataType="double"/>
        <DataField name="setl_rem_prcp_paym_m3_num" 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="grade_limit_amount" usageType="active" optype="continuous"/>
            <MiningField name="orig_prcp_avg_m12" usageType="active" optype="continuous"/>
            <MiningField name="shd_pre_repay_amt_rate" 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="useratemore90maxcontimonsm12" usageType="active" optype="continuous"/>
            <MiningField name="suc_apprv_num_m6" usageType="active" optype="continuous"/>
            <MiningField name="shd_pre_repay_cnt" usageType="active" optype="continuous"/>
            <MiningField name="ps_int_amt_sum" 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_gt0_m12_num_pc" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_used_amt_m_max" usageType="active" optype="continuous"/>
            <MiningField name="min_tnr" usageType="active" optype="continuous"/>
            <MiningField name="t_ps_od_days_max" 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="useratemore70monthsubcurmonth" usageType="active" optype="continuous"/>
            <MiningField name="max_loan_os_prcp_m12" usageType="active" optype="continuous"/>
            <MiningField name="s_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="f_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l30_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="cre_l90_used_limit_amt_min" usageType="active" optype="continuous"/>
            <MiningField name="available_limit_amt" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l90_limit_left_d_min" usageType="active" optype="continuous"/>
            <MiningField name="end_loan_to_rep_loan_freq" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_p1m_used_rate_m" 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="cre_l60_used_limit_rate_min" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90_m3_num" usageType="active" optype="continuous"/>
            <MiningField name="last_clear_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="cre_now_l60_limit_left_d_max" usageType="active" optype="continuous"/>
            <MiningField name="apprv_num_m1" usageType="active" optype="continuous"/>
            <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active" optype="continuous"/>
            <MiningField name="setl_rem_prcp_paym_m3_num" 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="grade_limit_amount" usageType="active"/>
                        <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                        <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                        <MiningField name="ps_int_amt_avg" usageType="active"/>
                        <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                        <MiningField name="suc_apprv_num_m6" usageType="active"/>
                        <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                        <MiningField name="ps_int_amt_sum" usageType="active"/>
                        <MiningField name="avg_tnr" usageType="active"/>
                        <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                        <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                        <MiningField name="min_tnr" usageType="active"/>
                        <MiningField name="t_ps_od_days_max" usageType="active"/>
                        <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                        <MiningField name="useratemore70_m6_num" usageType="active"/>
                        <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                        <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                        <MiningField name="s_ps_od_days_max" usageType="active"/>
                        <MiningField name="f_ps_od_days_max" usageType="active"/>
                        <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                        <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                        <MiningField name="available_limit_amt" usageType="active"/>
                        <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                        <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                        <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                        <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                        <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                        <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                        <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                        <MiningField name="useratemore90_m3_num" usageType="active"/>
                        <MiningField name="last_clear_num_m1" usageType="active"/>
                        <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                        <MiningField name="apprv_num_m1" usageType="active"/>
                        <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                        <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                    </MiningSchema>
                    <Output>
                        <OutputField name="lgbValue" optype="continuous" dataType="double" feature="predictedValue"/>
                    </Output>
                    <Segmentation multipleModelMethod="sum" missingThreshold="1">
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="-2.400772785704343">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="833.5450000000001864"/>
                                        </Node>
                                        <Node score="-2.383590339483948">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="833.5450000000001864"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-2.408522073750715">
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                                        </Node>
                                        <Node score="-2.374706680591569">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="10.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                <Node>
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                                    <Node>
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                                        <Node score="0.0016219497751084875">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <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"/>
                                        <Node score="-0.00017040355241981932">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0694500000000000"/>
                                        </Node>
                                        <Node score="0.01991594818273379">
                                            <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="0.008564955205250994">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0038281581948167013">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.011024722932124911">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                        </Node>
                                        <Node score="0.032457920735875">
                                            <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"/>
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                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005387303883872068">
                                            <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>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00239564669731813">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="726.0350000000000819"/>
                                        </Node>
                                        <Node score="0.018596822957718882">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="726.0350000000000819"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0010598325873059406">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.027178913634854095">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
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                        <Segment id="6" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="-0.005505360877361691">
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                                        <Node score="0.0028294020725819734">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.9999500000000001"/>
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                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
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                                        <Node score="0.0041854813126466495">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <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"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                <Node>
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                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="237.5000000000000284"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <Node score="0.011738036662914961">
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                                        <Node score="0.03149773054749503">
                                            <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="-0.0030626666974275553">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.020537915268327878">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="9" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0023035405301990142">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="28.5250000000000021"/>
                                        </Node>
                                        <Node score="0.014164212246771876">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="28.5250000000000021"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0009256110471955665">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.02672133504764515">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="10" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.005890165323907851">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1222.0250000000003183"/>
                                        </Node>
                                        <Node score="0.02032946851664806">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1222.0250000000003183"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.001579399632738764">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008371175931997345">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="11" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.016121635873543778">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.000417523735392227">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.001556077310529075">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008781830355276809">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="12" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="49.7050000000000054"/>
                                        <Node score="0.02150846192266844">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="84500.0000000000145519"/>
                                        </Node>
                                        <Node score="-0.0012532456688820076">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="84500.0000000000145519"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="49.7050000000000054"/>
                                        <Node score="0.007274806376224238">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="13799.9700000000029831"/>
                                        </Node>
                                        <Node score="0.015797102546771163">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="13799.9700000000029831"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="13" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.019869642100086692">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.009262178096120037">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.006210203687551458">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0032821324583921932">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="14" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0034677832859408095">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="833.5450000000001864"/>
                                        </Node>
                                        <Node score="0.016928872038870012">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="833.5450000000001864"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0015631389130220693">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.009197880849659319">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="15" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.005664837556145659">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="726.0350000000000819"/>
                                        </Node>
                                        <Node score="0.01911764523028253">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="726.0350000000000819"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.006992067839962379">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003953699826850042">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="16" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0017425098522345192">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0694500000000000"/>
                                        </Node>
                                        <Node score="0.016781990856897962">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0694500000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.006060210109295254">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003965274658021311">
                                            <SimplePredicate field="t_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="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0006339343063520963">
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                                        <Node score="0.015385662998858966">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0694500000000000"/>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0029801933719602034">
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                                        </Node>
                                        <Node score="0.006581812636519544">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
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                        <Segment id="18" weight="1">
                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" 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="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_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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                                        <Node score="-0.009362931523204717">
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                                <MiningSchema>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <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"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
                                    <True/>
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                                    <Node>
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                                        <Node score="0.004378521826730999">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.006267606459952721">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="20" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.006906742693668043">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
                                        </Node>
                                        <Node score="0.02653367975512">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0021355348849288087">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.020399909684369152">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="21" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00288217403942007">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        </Node>
                                        <Node score="0.014712117846809546">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0020255109011701362">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                        </Node>
                                        <Node score="0.0264928647249269">
                                            <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="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="0.0022078842006507822">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.0066729373376084675">
                                            <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"/>
                                        <Node score="0.013403375519107183">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0027971624616141616">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="23" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.007922739518580005">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
                                        </Node>
                                        <Node score="0.02570802961100364">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0010086742966289946">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008766239603783227">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
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                        <Segment id="24" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0009227486612040583">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0694500000000000"/>
                                        </Node>
                                        <Node score="0.01322284363523202">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0694500000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.005106494779672665">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004149487869300831">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="25" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.009975398927448562">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="6043.2050000000008367"/>
                                        </Node>
                                        <Node score="0.024445638897928366">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="6043.2050000000008367"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0064180891222430396">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                        </Node>
                                        <Node score="0.004107516847286359">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="26" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.012295888955175385">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0008524492250666473">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.004663397611156035">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0056652231973889095">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="27" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.007448617928496997">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="353.5000000000000568"/>
                                        </Node>
                                        <Node score="0.022349392454048597">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="353.5000000000000568"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.005033520346714004">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004923937576628068">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
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                        <Segment id="28" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.006200006792520342">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                        </Node>
                                        <Node score="0.021355499243414875">
                                            <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="0.0052975170132056135">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005193728188549823">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
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                        <Segment id="29" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <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>
                                    <True/>
                                    <Node>
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                                        <Node score="0.010892283699927594">
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                                        <Node score="0.002158207633260002">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
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                                        <Node score="-0.00689610266980154">
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                                        </Node>
                                        <Node score="0.0010233101781687037">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.3665500000000000"/>
                                        </Node>
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                        <Segment id="30" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.001925321885837036">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="952.5950000000001410"/>
                                        </Node>
                                        <Node score="0.013088911554857287">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="952.5950000000001410"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.005551232267887462">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.00540699856533439">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="31" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.012507827025285075">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="25.3200000000000038"/>
                                        </Node>
                                        <Node score="0.003646924780823486">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="25.3200000000000038"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.011457208472646844">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="28.2050000000000018"/>
                                        </Node>
                                        <Node score="-0.0029419165634390265">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="28.2050000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="32" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.012340125666903469">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="25.3200000000000038"/>
                                        </Node>
                                        <Node score="0.003993752072067045">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="25.3200000000000038"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.009989265751000039">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="38.0250000000000128"/>
                                        </Node>
                                        <Node score="-0.0010344389670014931">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="38.0250000000000128"/>
                                        </Node>
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                                </Node>
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                        <Segment id="33" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0009824994390333125">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="361.8600000000000705"/>
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                                        <Node score="0.011086160571379088">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="361.8600000000000705"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.002616308934540671">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="10.5000000000000018"/>
                                        </Node>
                                        <Node score="0.01900556085050384">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="10.5000000000000018"/>
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                        <Segment id="34" weight="1">
                            <True/>
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                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
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                                        <Node score="0.0001991383908817818">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="-0.0000000000000000"/>
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                                    <Node>
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                                        <Node score="0.012894789632595027">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7661500000000001"/>
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                        <Segment id="35" weight="1">
                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0011782813213835892">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        </Node>
                                        <Node score="0.011188936367375625">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.005091190912844107">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005153926244448355">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="36" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0015955027664071488">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="952.5950000000001410"/>
                                        </Node>
                                        <Node score="0.011090944680327116">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="952.5950000000001410"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.010513317581439231">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.000507796203941332">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="37" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0040810574250160735">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1866.5150000000001000"/>
                                        </Node>
                                        <Node score="0.015447875157239745">
                                            <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="-0.001884811838175547">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                        </Node>
                                        <Node score="0.024569767372832327">
                                            <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="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.006187929760269652">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="1802.5000000000002274"/>
                                        </Node>
                                        <Node score="0.020010318477601714">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="1802.5000000000002274"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0033956374248662303">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.013359673272267253">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="39" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.003507010889474253">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7807500000000002"/>
                                        </Node>
                                        <Node score="0.011383347145937826">
                                            <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="-0.008373683053150265">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2500500000000001"/>
                                        </Node>
                                        <Node score="-0.0009944519715052635">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2500500000000001"/>
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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="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
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                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
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                                        <Node score="0.0030947209352658444">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
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                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.009379611830032322">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="46.2250000000000014"/>
                                        </Node>
                                        <Node score="-0.0010137896926503854">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="46.2250000000000014"/>
                                        </Node>
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                                </Node>
                            </TreeModel>
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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="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.003157274573671597">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.012153679673556527">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0032293109560258436">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        </Node>
                                        <Node score="0.004210581563224155">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="42" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0052969192284566214">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="107.8150000000000119"/>
                                        </Node>
                                        <Node score="0.014466021922300539">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="107.8150000000000119"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.005528364283660183">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="65.2750000000000199"/>
                                        </Node>
                                        <Node score="0.0016338338260479678">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="65.2750000000000199"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="43" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.004947634013047317">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                        </Node>
                                        <Node score="0.016894761432292644">
                                            <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="-0.005575797344692102">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="65.2750000000000199"/>
                                        </Node>
                                        <Node score="0.0015606903090450979">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="65.2750000000000199"/>
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                                </Node>
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                        <Segment id="44" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.004725401195621313">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                        </Node>
                                        <Node score="0.017503934178381923">
                                            <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="-0.002507725686027107">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="14.5000000000000018"/>
                                        </Node>
                                        <Node score="0.02737496136352742">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="14.5000000000000018"/>
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                                </Node>
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                        <Segment id="45" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="0.002683050656955379">
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                                        <Node score="-0.004763413202487115">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
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                                        <Node score="0.001523088838561872">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="46" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.004652516807936104">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="850.5000000000001137"/>
                                        </Node>
                                        <Node score="0.015544064128119253">
                                            <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"/>
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                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005787185741997756">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
                                        <Node score="0.0002877415078424179">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="1.5000000000000002"/>
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                                        <Node score="-0.007659440080292287">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="1.5000000000000002"/>
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                                    <Node>
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                                        </Node>
                                        <Node score="0.010764951583683204">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="99.9750000000000085"/>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <Node score="0.00396616897195118">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="9182.5650000000005093"/>
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                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="8049.2300000000004729"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <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="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="0.012462890852520394">
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                                        <Node score="-0.0003234919562570966">
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                                <Node>
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                                        <Node score="0.0022933577545590305">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="-0.0000000000000000"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.000500210174481115">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="833.5450000000001864"/>
                                        </Node>
                                        <Node score="0.009590537704259784">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="833.5450000000001864"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.002195804420577304">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.011227637967740444">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0024514847926469167">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        </Node>
                                        <Node score="0.009389734651134065">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.004097187820539832">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                        </Node>
                                        <Node score="0.004323869060128886">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="54" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00359261074406254">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1866.5150000000001000"/>
                                        </Node>
                                        <Node score="0.011698467948623304">
                                            <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="-0.002603579450154976">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
                                        </Node>
                                        <Node score="0.0184527482494638">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
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                                    </Node>
                                </Node>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                        <Node score="-0.007769201933138939">
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                                        </Node>
                                        <Node score="-0.0012137753723523187">
                                            <SimplePredicate field="min_tnr" operator="greaterThan" value="3.5000000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
                                        <Node score="0.0009532216238356936">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        </Node>
                                        <Node score="0.007953431063761354">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
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                        <Segment id="56" weight="1">
                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="0.0002450038944656929">
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                                        <Node score="0.008560841540303808">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="726.0350000000000819"/>
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                                        <Node score="-0.003083499839747036">
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                                        </Node>
                                        <Node score="0.01365115422434392">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="10.5000000000000018"/>
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                        <Segment id="57" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0037974025278395334">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="1802.5000000000002274"/>
                                        </Node>
                                        <Node score="0.014285151798720962">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="1802.5000000000002274"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.002949949239701367">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="0.010200260976994996">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="58" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0028400711897182775">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="5571.8150000000014188"/>
                                        </Node>
                                        <Node score="0.011380630623153988">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="5571.8150000000014188"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.009979694095888031">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="38.0250000000000128"/>
                                        </Node>
                                        <Node score="-0.0017262990780087875">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="38.0250000000000128"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="59" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.007483840764110675">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0007021620728899803">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.00744613771714375">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        </Node>
                                        <Node score="7.118957808166873e-05">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        </Node>
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                                </Node>
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                        <Segment id="60" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.004436039440085812">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6389500000000001"/>
                                        </Node>
                                        <Node score="0.010356147304691267">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6389500000000001"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0034271280443547644">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004159532666111503">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
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                        <Segment id="61" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.0027008720842080676">
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                                        <Node score="0.00718325637121117">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
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                                    <Node>
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                                        <Node score="-0.0025303147015978108">
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                                        <Node score="0.010223507174919835">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
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                        <Segment id="62" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0008351266535120538">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="101.2850000000000108"/>
                                        </Node>
                                        <Node score="0.008775281788655111">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="101.2850000000000108"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0032942276565310342">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004659701857775711">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="63" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="0.0003775505946061937">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.006859575004522121">
                                            <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"/>
                                        <Node score="0.0076356488660119515">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0006816608211024518">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="64" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.000562920470387799">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="46.8150000000000048"/>
                                        </Node>
                                        <Node score="0.007593854141457585">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="46.8150000000000048"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.004801541070516481">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="76.5450000000000159"/>
                                        </Node>
                                        <Node score="0.002418352753716881">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="76.5450000000000159"/>
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                                </Node>
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                        <Segment id="65" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
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                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                    <Node>
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                                        <Node score="-0.0016791304311429519">
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                                        <Node score="-0.00851768759733161">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="676.1250000000001137"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <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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                                <Node>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <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="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="0.00025767023444459367">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.008864219935437838">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="46.2250000000000014"/>
                                        </Node>
                                        <Node score="-0.0014614716367701587">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="46.2250000000000014"/>
                                        </Node>
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                                </Node>
                            </TreeModel>
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                        <Segment id="68" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0033093312717422728">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="6043.2050000000008367"/>
                                        </Node>
                                        <Node score="0.015599574604139363">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="6043.2050000000008367"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.0015537617569375735">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004669613399442623">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="69" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.006685056487505389">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="2.4504000602230076e-05">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0069182263429658645">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.9999500000000001"/>
                                        </Node>
                                        <Node score="0.001165815581718676">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.9999500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="70" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0036618864763636343">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="237.5000000000000284"/>
                                        </Node>
                                        <Node score="0.012539549964679347">
                                            <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="-0.00018604433495262215">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008752055483272058">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="71" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0025628256192340277">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                        </Node>
                                        <Node score="0.011636730908938353">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0024765692014273406">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
                                        </Node>
                                        <Node score="0.017458112696483303">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
                                        </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="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0020676398869108317">
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                                        <Node score="0.00970537673763613">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="5571.8150000000014188"/>
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                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0066414761514113985">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0450500000000000"/>
                                        </Node>
                                        <Node score="0.0011247554579833822">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0450500000000000"/>
                                        </Node>
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                                </Node>
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                        <Segment id="73" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.002818720807147891">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="8226.3150000000023283"/>
                                        </Node>
                                        <Node score="0.012428640887826366">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="8226.3150000000023283"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.005387197104479747">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="10134.9450000000015280"/>
                                        </Node>
                                        <Node score="0.007448080854667418">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="10134.9450000000015280"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00030843106732332813">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1222.0250000000003183"/>
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                                        <Node score="0.0073850521625227665">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1222.0250000000003183"/>
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                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0026690173041505907">
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                                        </Node>
                                        <Node score="0.011234231119967193">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.012265253702994748">
                                            <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"/>
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                                        <Node score="-0.004923588368183063">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.002846952969511165">
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                                        <Node score="0.005423708532313403">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="271.6300000000000523"/>
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                                    <Node>
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                                        <Node score="-0.002981581097111451">
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                                        <Node score="0.013843837515877207">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <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="f_ps_od_days_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" 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"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <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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                                <Node>
                                    <True/>
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                                        <Node score="0.007776488446329363">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0036509322290085577">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                        </Node>
                                        <Node score="0.003182522300896429">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.0005907181235531446">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.007305038990251602">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="0.006023995161425275">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.00014337653012949235">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="80" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0015109350881793873">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1371.4650000000001455"/>
                                        </Node>
                                        <Node score="0.008005754062537016">
                                            <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="-0.010634355149272022">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0006814714237570956">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
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                        <Segment id="81" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="34.9350000000000094"/>
                                        <Node score="0.0005790645518430309">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="198500.0000000000291038"/>
                                        </Node>
                                        <Node score="-0.0067410317192583905">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="198500.0000000000291038"/>
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="34.9350000000000094"/>
                                        <Node score="0.001893950094667281">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="1802.5000000000002274"/>
                                        </Node>
                                        <Node score="0.00759702509236939">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="1802.5000000000002274"/>
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                        <Segment id="82" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="0.013987144431263712">
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" 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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                                    <Node>
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                                        <Node score="0.0004811321416072773">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="84" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.00802752083378899">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="-0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0009076696418713972">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="-0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="0.01381405381611845">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.002866842231532695">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="85" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="8049.2300000000004729"/>
                                        <Node score="-0.0018327535598810967">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        </Node>
                                        <Node score="0.0030817700471748506">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="8049.2300000000004729"/>
                                        <Node score="0.004114133278319365">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6798500000000001"/>
                                        </Node>
                                        <Node score="0.012395989848038831">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6798500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="86" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0028400775393807773">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="353.5000000000000568"/>
                                        </Node>
                                        <Node score="0.011851752992403023">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="353.5000000000000568"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.001971579245229804">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004723051871776108">
                                            <SimplePredicate field="available_limit_amt" 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="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.0003002262717215031">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.006154980412935854">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="0.0008236701655496892">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                        </Node>
                                        <Node score="0.0074393787743407885">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="88" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0023828359422509338">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="6654.1350000000011278"/>
                                        </Node>
                                        <Node score="0.009739533675235855">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="6654.1350000000011278"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.002073614883199615">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004363976708018393">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
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                        <Segment id="89" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0020191324473431012">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="8226.3150000000023283"/>
                                        </Node>
                                        <Node score="0.010848872721184599">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="8226.3150000000023283"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.007345943234262603">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        </Node>
                                        <Node score="0.0002860973274510425">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
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                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.0017624377379336566">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.008648184346688376">
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                                        </Node>
                                        <Node score="-0.0014564115848454903">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="50.5750000000000099"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
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                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1866.5150000000001000"/>
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                                        <Node score="0.008517008934893575">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1866.5150000000001000"/>
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                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0023019606790251157">
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                                        <Node score="0.021738929912004847">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="14.5000000000000018"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" 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="-0.0013357497674784844">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="42.5450000000000088"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.006431015069693795">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2040.0000000000002274"/>
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                                        <Node score="0.004703047917374848">
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                                        <Node score="-7.22729746858444e-05">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="95" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0022538665184401053">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.9507500000000001"/>
                                        </Node>
                                        <Node score="0.012340562680303367">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.9507500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.007113731701288024">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        </Node>
                                        <Node score="-0.00019056373990910522">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="96" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.010288417156404413">
                                            <SimplePredicate field="useratemore90_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.002010875207612953">
                                            <SimplePredicate field="useratemore90_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.000395386677545079">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        </Node>
                                        <Node score="0.004812098113721662">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="97" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0083046186305278">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="93.3050000000000210"/>
                                        </Node>
                                        <Node score="0.0031691344629928954">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="93.3050000000000210"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.004600785095074383">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0007748285241284897">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
                            </TreeModel>
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                        <Segment id="98" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                        <Node score="-0.007212712911663068">
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                                        </Node>
                                        <Node score="-0.000550834084552776">
                                            <SimplePredicate field="min_tnr" operator="greaterThan" value="3.5000000000000004"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
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                                        <Node score="0.0003872100564545156">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="99" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
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                                    <Node>
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                                        <Node score="-0.007768268152826236">
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                                        <Node score="-0.00038784402098965113">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="9.5000000000000018"/>
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                        <Segment id="100" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0024286034871236497">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="15282.5600000000013097"/>
                                        </Node>
                                        <Node score="0.013827000490506617">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="15282.5600000000013097"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0064764519242362">
                                            <SimplePredicate field="min_tnr" operator="lessOrEqual" value="7.0000000000000009"/>
                                        </Node>
                                        <Node score="0.0010533712731142044">
                                            <SimplePredicate field="min_tnr" operator="greaterThan" value="7.0000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="101" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                        <Node score="-0.005707464182920555">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="32.7600000000000122"/>
                                        </Node>
                                        <Node score="0.0011749622181630687">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
                                        <Node score="0.011267905690090747">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0005475337406703279">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="11.5000000000000018"/>
                                        <Node score="0.0024876058203713823">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.002391468345198046">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.01613184571464357">
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="11.5000000000000018"/>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="8226.3150000000023283"/>
                                        <Node score="-0.0030363509953755664">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2500500000000001"/>
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                                        <Node score="0.001901992155849457">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2500500000000001"/>
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                                    <Node>
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                                        <Node score="0.013719344896508471">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.0027945002403370394">
                                            <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="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                <Node>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <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_gt0_m12_num_pc" usageType="active"/>
                                    <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"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.0005319895562325615">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
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                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="0.00020239388354912447">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        </Node>
                                        <Node score="0.0061936824006721646">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0009727781808737997">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="809.5200000000000955"/>
                                        </Node>
                                        <Node score="0.005136628550477101">
                                            <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="-0.003606887963157075">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.007795702810750955">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
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                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
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                                        </Node>
                                        <Node score="0.005790665286184245">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7661500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-6.404570159450271e-05">
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                                        </Node>
                                        <Node score="-0.0072594145101963995">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="337.4350000000000591"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.004753033544201591">
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                                        </Node>
                                        <Node score="0.0016458951349213806">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8393500000000002"/>
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                                    <Node>
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                                        <Node score="5.83670370310357e-05">
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                                        </Node>
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                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
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                                <MiningSchema>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                <Node>
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                                <Node>
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                                        <Node score="-0.00045396463768355804">
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                                        <Node score="-0.007586612235497166">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="111" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.009711227564534117">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="61.5550000000000068"/>
                                        </Node>
                                        <Node score="-0.0007744142188075162">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="61.5550000000000068"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0019022196594649268">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.0036613318271453113">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="112" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0015336434260230507">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.006420617541361421">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.004481122973040321">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        </Node>
                                        <Node score="0.0017968372420461077">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="113" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00325223530127861">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="0.012397323260782214">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.004031323587756922">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                        </Node>
                                        <Node score="0.001849378741911673">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="114" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.0003085520207722532">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.005916938766972019">
                                            <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"/>
                                        <Node score="0.002195787090697966">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="0.013495955471469376">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
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                                    </Node>
                                </Node>
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                        <Segment id="115" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.0004714291196332872">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="952.5950000000001410"/>
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                                        <Node score="0.0046857676989647224">
                                            <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"/>
                                        <Node score="-0.009346935940211045">
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                                        </Node>
                                        <Node score="-0.0011494211746598362">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="116" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.009733395395515276">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0015101060280057097">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.00541673626669215">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="0.0777500000000000"/>
                                        </Node>
                                        <Node score="0.0011476564420227044">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.0777500000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="117" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0014654297476517197">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
                                        </Node>
                                        <Node score="0.010468675431489754">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0035619535948130613">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="0.007855197060690034">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                                </Node>
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                        <Segment id="118" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0017055739556878912">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
                                        </Node>
                                        <Node score="0.0042860224271690965">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.003621193599112804">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="0.0067442438069909155">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="4632.0750000000016371"/>
                                        <Node score="-0.004823006482671213">
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                                        <Node score="0.0012338739936441098">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
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                                    <Node>
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                                        <Node score="0.010830233689372974">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.0014655468031430005">
                                            <SimplePredicate field="t_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="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <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="useratemore70monthsubcurmonth" 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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                                        <Node score="0.0014899557279162369">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="21419.9550000000053842"/>
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                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                        <Node score="0.008071933215662632">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="85500.0000000000145519"/>
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                                        <Node score="-0.005596020481142637">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="85500.0000000000145519"/>
                                        </Node>
                                    </Node>
                                    <Node>
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                                        <Node score="0.0003046991874247677">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7807500000000002"/>
                                        </Node>
                                        <Node score="0.005861815847287467">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7807500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <Node score="0.012623447900312718">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="11022.1600000000016735"/>
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                                    <Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.0031908528763962656">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <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="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <Node score="0.002013707157861391">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="88.9750000000000085"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                <Node>
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                                <Node>
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                        <Segment id="127" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.006781025659758496">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0008949409102748062">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="-0.0007543768931596547">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.004663916633850765">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="128" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.003212856990100873">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="28.5250000000000021"/>
                                        </Node>
                                        <Node score="0.003373672070536816">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="28.5250000000000021"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.007593275073908513">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="84500.0000000000145519"/>
                                        </Node>
                                        <Node score="-0.00261509016102065">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="84500.0000000000145519"/>
                                        </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="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.004643207480189333">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        </Node>
                                        <Node score="0.0005061013673614186">
                                            <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="0.0022904696458945365">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="15282.5600000000013097"/>
                                        </Node>
                                        <Node score="0.012221128971485423">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="15282.5600000000013097"/>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.007647382884508552">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="4126.4300000000012005"/>
                                        </Node>
                                        <Node score="-0.00010455524917957349">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="4126.4300000000012005"/>
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                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.003262164121969807">
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                                        </Node>
                                        <Node score="-0.0008522293560461452">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="131" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                <Node>
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                                    <Node>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.003054902227591652">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                        <Node score="0.022361875301631393">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="88.2050000000000125"/>
                                        </Node>
                                        <Node score="0.007247511584137164">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="88.2050000000000125"/>
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                        <Segment id="132" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0009524337226052186">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="603.5000000000001137"/>
                                        </Node>
                                        <Node score="0.006463517767908814">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="603.5000000000001137"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.00622920097345579">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="84500.0000000000145519"/>
                                        </Node>
                                        <Node score="-0.003282280016984162">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="84500.0000000000145519"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="133" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="-0.0007636289023973007">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="237.5000000000000284"/>
                                        </Node>
                                        <Node score="0.004388368942434813">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="237.5000000000000284"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="10.5000000000000018"/>
                                        <Node score="0.023796875182949515">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="lessOrEqual" value="1.0969500000000003"/>
                                        </Node>
                                        <Node score="0.0056919180923393235">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0969500000000003"/>
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                                </Node>
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                        <Segment id="134" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="86.1950000000000074"/>
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                                        <Node score="0.0013364828678741512">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="86.1950000000000074"/>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                                        <Node score="0.007301097862900691">
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.008231650346611661">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="11022.1600000000016735"/>
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                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                <Node>
                                    <True/>
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                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                                        </Node>
                                        <Node score="0.0004997302578785866">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="34.9350000000000094"/>
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                                        <Node score="0.0009570283988389369">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node>
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                                        <Node score="0.000325631823209182">
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                                        </Node>
                                        <Node score="0.004617486313094372">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="850.5000000000001137"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="0.011541576430246484">
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                                    <Node>
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                                        <Node score="-0.005185026408199653">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="46.8150000000000048"/>
                                        </Node>
                                        <Node score="0.0005643677538886252">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="46.8150000000000048"/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.002917284846962016">
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                                    <Node>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                <Node>
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                                        <Node score="-6.990771267938021e-05">
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                        <Segment id="143" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.003536409757684906">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="3586.3950000000004366"/>
                                        </Node>
                                        <Node score="0.0029804395300510387">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="3586.3950000000004366"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="0.0035395196949121635">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0005240172821211014">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="144" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4050.0000000000004547"/>
                                        <Node score="0.0016902207232378252">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="5571.8150000000014188"/>
                                        </Node>
                                        <Node score="0.006608995208668733">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="5571.8150000000014188"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
                                        <Node score="-0.004791598596383936">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="58.5350000000000037"/>
                                        </Node>
                                        <Node score="0.00040033504495592015">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="58.5350000000000037"/>
                                        </Node>
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                                </Node>
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                        <Segment id="145" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.004135360875551455">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
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                                        <Node score="1.8056937566473915e-05">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
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                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0015229393669424324">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.008242484238872179">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" 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="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1073.5300000000002001"/>
                                        <Node score="-0.0068699742003034865">
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                                        <Node score="-0.001225707212185771">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="101.2850000000000108"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1073.5300000000002001"/>
                                        <Node score="0.004193515656215304">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.00107859521710369">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <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="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_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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                                    <Node>
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                                        <Node score="0.0017861501661127976">
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                        <Segment id="148" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="4410.0000000000009095"/>
                                        <Node score="-0.0006496609354997944">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
                                        </Node>
                                        <Node score="0.003574685643012298">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4410.0000000000009095"/>
                                        <Node score="-0.00016357517047466325">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005036072725103021">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="149" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0010251059778522385">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="237.5000000000000284"/>
                                        </Node>
                                        <Node score="0.005910682750055655">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="237.5000000000000284"/>
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                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.006191056313373477">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="84500.0000000000145519"/>
                                        </Node>
                                        <Node score="-0.003229598991638769">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="84500.0000000000145519"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="337.4350000000000591"/>
                                        <Node score="-0.0007489522615667009">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="lessOrEqual" value="101.2850000000000108"/>
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                                        <Node score="0.0033447406683289145">
                                            <SimplePredicate field="cre_now_l60_used_amt_m_max" operator="greaterThan" value="101.2850000000000108"/>
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                                    <Node>
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                                        <Node score="-0.006748841344519464">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.9999500000000001"/>
                                        </Node>
                                        <Node score="-0.00029973003209519787">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.9999500000000001"/>
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                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="-0.0023405847804790834">
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                                        <Node score="0.003222925212526836">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="361.8600000000000705"/>
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                                        <Node score="-0.003300868858046609">
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                                        <Node score="0.006413167055527582">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                <Node>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <Node score="0.0028062054394560024">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
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                                    <Node>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" 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="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="avg_tnr" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0038034422350996">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="271.3800000000000523"/>
                                        </Node>
                                        <Node score="-0.0016517156628759885">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="271.3800000000000523"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.005907435589289685">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="32.7600000000000122"/>
                                        </Node>
                                        <Node score="8.122084396928317e-05">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="160" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        <Node score="0.0009058683762431008">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0045495626476207834">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        <Node score="-0.0019538654563853015">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.6781500000000001"/>
                                        </Node>
                                        <Node score="0.00363469339431112">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.6781500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="161" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0009110064111512459">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4120.0750000000007276"/>
                                        </Node>
                                        <Node score="0.005182032595459011">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4120.0750000000007276"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.010068801973003114">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0018532316688608936">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
                            </TreeModel>
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                        <Segment id="162" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0035369591934829607">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0024237191726829014">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.003661594101495852">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                        </Node>
                                        <Node score="0.0011430622561765394">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="163" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        <Node score="-0.0030589935255772656">
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                                        <Node score="0.001818600071989209">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="99.9750000000000085"/>
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                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        <Node score="0.003089842151777496">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003313735859214084">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="164" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0011597020527872037">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.9999500000000001"/>
                                        </Node>
                                        <Node score="0.010027252858747393">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.9999500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.001324188995711531">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        </Node>
                                        <Node score="-0.009082205034897744">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="165" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.00121180705888738">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
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                                        <Node score="0.013639500709908414">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
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                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.0022997844641097576">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.010620459884001001">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="166" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
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                                        <Node score="0.010537614020767574">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
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                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.008931245521941463">
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                                        </Node>
                                        <Node score="-0.0014422009964349123">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="58.0750000000000099"/>
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                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" 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"/>
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                                <Node>
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                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <Node score="0.004837249070629693">
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                                    <Node>
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                                        </Node>
                                        <Node score="0.0009395830538485793">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="58.9327500000000057"/>
                                        </Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.007563158566333632">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="177500.0000000000291038"/>
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                                    <Node>
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                                        </Node>
                                        <Node score="0.003069039540302389">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <Node score="0.005998098050243472">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="850.5000000000001137"/>
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                                    <Node>
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                                        <Node score="-0.0050159182884334345">
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                                        </Node>
                                        <Node score="-0.00041110890693618304">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="65.2750000000000199"/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <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"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="952.5950000000001410"/>
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                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="175" weight="1">
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                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00046720887818466387">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="6654.1350000000011278"/>
                                        </Node>
                                        <Node score="0.004989233760735679">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="6654.1350000000011278"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.005457891548984569">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="lessOrEqual" value="0.9999500000000001"/>
                                        </Node>
                                        <Node score="0.0009869721644100067">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.9999500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="176" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="-0.0003595530978705312">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.005501134536036744">
                                            <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"/>
                                        <Node score="0.0138695704256566">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="-0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.001686714083317784">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="-0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="177" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.2770500000000001"/>
                                        <Node score="0.0004758406165031872">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1095.2300000000002456"/>
                                        </Node>
                                        <Node score="-0.004870294764374971">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1095.2300000000002456"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
                                        <Node score="0.001297120864738427">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
                                        </Node>
                                        <Node score="0.015018561190667743">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
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                                    </Node>
                                </Node>
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                        <Segment id="178" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0014038074249532702">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="0.011190761818695135">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0001703912352866439">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="1095.2300000000002456"/>
                                        </Node>
                                        <Node score="-0.005830339168192156">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="1095.2300000000002456"/>
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                        <Segment id="179" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <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"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="180500.0000000000291038"/>
                                        <Node score="0.0030598142669350224">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.0032593093154497967">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
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                                        <Node score="-2.388982019096318e-06">
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                                        <Node score="-0.0061454826847057095">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="180" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.003971315509427918">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="-0.00045524974599089174">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.003227157971139725">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                        </Node>
                                        <Node score="0.0013273415875525226">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="181" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.0008671553342670764">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="11022.1600000000016735"/>
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                                        <Node score="0.007095090360865891">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="11022.1600000000016735"/>
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                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.007870649028457006">
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                                        </Node>
                                        <Node score="-0.0015729170637395476">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="8.5000000000000018"/>
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.00262420612143576">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.0015946900531775732">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.008291005405223038">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="46.8150000000000048"/>
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                                        <Node score="-0.00185454942622518">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="46.8150000000000048"/>
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                        <Segment id="183" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
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                                        <Node score="-0.0029901668510330113">
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                                        <Node score="0.0010770560117710699">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="0.1675500000000000"/>
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                                    <Node>
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                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8074500000000001"/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" 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"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="-0.00038958694883405005">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="143.6500000000000057"/>
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                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.005472278512263064">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="32.7600000000000122"/>
                                        </Node>
                                        <Node score="-9.643516940646988e-05">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.00820547946792717">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.9999500000000001"/>
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                                    <Node>
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                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="0.0006222468189767467">
                                            <SimplePredicate field="min_tnr" operator="greaterThan" value="3.5000000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node>
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                                        </Node>
                                        <Node score="-0.0030420552524234763">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.6175000000000002"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <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_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.0024271560870252097">
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                                    <Node>
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                                        <Node score="0.0195561967529758">
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <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_gt0_m12_num_pc" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                <Node>
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                                <Node>
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                                <MiningSchema>
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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"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        <Node score="0.0012761060173206555">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.002933049256858639">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        <Node score="0.002989831594813057">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="72.1650000000000063"/>
                                        </Node>
                                        <Node score="0.01830137352881624">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="72.1650000000000063"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="192" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                        <Node score="-0.006001310052423438">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="11.5000000000000018"/>
                                        </Node>
                                        <Node score="0.0006954501276918311">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="11.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
                                        <Node score="0.011704314105516585">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="-0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.001130183255846356">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="-0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="193" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="237.5000000000000284"/>
                                        <Node score="-0.002480217170817775">
                                            <SimplePredicate field="min_tnr" operator="lessOrEqual" value="3.5000000000000004"/>
                                        </Node>
                                        <Node score="0.0014126974992519042">
                                            <SimplePredicate field="min_tnr" operator="greaterThan" value="3.5000000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="237.5000000000000284"/>
                                        <Node score="-0.0016910068240085453">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
                                        </Node>
                                        <Node score="0.004987909220576845">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="194" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="3505.0000000000004547"/>
                                        <Node score="0.0012133582121728397">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                        </Node>
                                        <Node score="0.004940628597777138">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="3505.0000000000004547"/>
                                        <Node score="-0.0031870386009100267">
                                            <SimplePredicate field="min_tnr" operator="lessOrEqual" value="3.5000000000000004"/>
                                        </Node>
                                        <Node score="0.0008654000520863584">
                                            <SimplePredicate field="min_tnr" operator="greaterThan" value="3.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="195" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="0.0008066471010512882">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.0029443070243547823">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        <Node score="0.0027168111628097704">
                                            <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="lessOrEqual" value="0.3498500000000000"/>
                                        </Node>
                                        <Node score="-0.0012612327429062271">
                                            <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="greaterThan" value="0.3498500000000000"/>
                                        </Node>
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                                </Node>
                            </TreeModel>
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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="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0007406460969894775">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="36.5000000000000071"/>
                                        </Node>
                                        <Node score="0.003331947765989964">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="36.5000000000000071"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.006322660728284343">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="84500.0000000000145519"/>
                                        </Node>
                                        <Node score="-0.002536650467629561">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="84500.0000000000145519"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="197" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-4.2604682811576026e-05">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="603.5000000000001137"/>
                                        </Node>
                                        <Node score="0.0031174254849354564">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="603.5000000000001137"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0019924436770898794">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="-0.008045538345234094">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="2.5000000000000004"/>
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                                </Node>
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                        <Segment id="198" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        <Node score="0.0014359278932623539">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0031300788321365056">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        <Node score="0.014151449290324537">
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                                        <Node score="0.0021456904874955465">
                                            <SimplePredicate field="cre_now_l30_limit_left_d_min" operator="greaterThan" value="1.0969500000000003"/>
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                        <Segment id="199" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" 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="0.00455344313752002">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
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                                        <Node score="-0.0007050159379193134">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <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_gt0_m12_num_pc" usageType="active"/>
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                                <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <Node score="0.004747813087098608">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                                    <Node>
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                                        </Node>
                                        <Node score="0.0025920172858857047">
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                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="202" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.0005181438093826835">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4788.1250000000009095"/>
                                        </Node>
                                        <Node score="0.004981190056365183">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4788.1250000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.006273447957407906">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="42.1583500000000058"/>
                                        </Node>
                                        <Node score="-0.00044372999858891416">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="42.1583500000000058"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="203" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0006751496684662555">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1222.0250000000003183"/>
                                        </Node>
                                        <Node score="0.0032529366713234687">
                                            <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="-0.0030177863919898427">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="0.007318035612267805">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="204" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0039013974475022623">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="-0.0013917976490886665">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.00016450058753291646">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004990274003658134">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    </Node>
                                </Node>
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                        <Segment id="205" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="42.5450000000000088"/>
                                        <Node score="-0.006879722277671795">
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                                        </Node>
                                        <Node score="-0.001026222238566558">
                                            <SimplePredicate field="loan_os_prcp_gt0_m12_num_pc" operator="greaterThan" value="81.9600000000000080"/>
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="42.5450000000000088"/>
                                        <Node score="0.0006853823949905714">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="850.5000000000001137"/>
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                                        <Node score="0.0041416314050074544">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="850.5000000000001137"/>
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                        <Segment id="206" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="38.0250000000000128"/>
                                        <Node score="0.008947844508363305">
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                                        </Node>
                                        <Node score="-0.0037889169070205423">
                                            <SimplePredicate field="cre_now_l60_limit_left_d_max" operator="greaterThan" value="0.0775500000000000"/>
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="38.0250000000000128"/>
                                        <Node score="-0.00011264506793809455">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7807500000000002"/>
                                        </Node>
                                        <Node score="0.003701579101854394">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7807500000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="207" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0007756643817250038">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="lessOrEqual" value="8.5000000000000018"/>
                                        </Node>
                                        <Node score="0.009275562328943117">
                                            <SimplePredicate field="suc_apprv_num_m6" operator="greaterThan" value="8.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.005709742348853058">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        </Node>
                                        <Node score="-1.834224398407141e-05">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="208" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0021119834374856918">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="-0.009293500329978199">
                                            <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="0.0014913947848773411">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0034644808916347455">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="209" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="337.4350000000000591"/>
                                        <Node score="0.003977018116168838">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="lessOrEqual" value="92.9950000000000188"/>
                                        </Node>
                                        <Node score="0.0008953727240313134">
                                            <SimplePredicate field="repay_amount_m6_all_shd_amt_pc" operator="greaterThan" value="92.9950000000000188"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="337.4350000000000591"/>
                                        <Node score="-0.0078479936392257">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="-0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0009141947271465567">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="-0.0000000000000000"/>
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                                </Node>
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                        <Segment id="210" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="-0.0017982516264216197">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
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                                        <Node score="0.010439530441127854">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
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                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        <Node score="0.00150911203110027">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
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                                        <Node score="0.009258239301257862">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
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                        <Segment id="211" weight="1">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" 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="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
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                                        <Node score="-0.0019714666290567696">
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                        <Segment id="212" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0027942911999435">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="5950.0000000000009095"/>
                                        </Node>
                                        <Node score="-0.0008173044639495295">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="5950.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.002940908887078282">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
                                        </Node>
                                        <Node score="0.009515921835404301">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="213" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="28.5250000000000021"/>
                                        <Node score="0.005677809833673789">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="96500.0000000000145519"/>
                                        </Node>
                                        <Node score="-0.006321810555425257">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="96500.0000000000145519"/>
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="28.5250000000000021"/>
                                        <Node score="-0.0008400327043980399">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7807500000000002"/>
                                        </Node>
                                        <Node score="0.002333551524615655">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7807500000000002"/>
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                                </Node>
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                        <Segment id="214" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        <Node score="-0.003447885477343361">
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                                        <Node score="0.0010433614633450993">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="88.9750000000000085"/>
                                        </Node>
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                                    <Node>
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                                        <Node score="0.002617704247303918">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="215" weight="1">
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.006184610784788614">
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                                        <Node score="-0.001173006639269474">
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
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                                <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="avg_tnr" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <Node score="0.0038617355483051567">
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                                    <Node>
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                                        </Node>
                                        <Node score="-0.009583085646230737">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
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                        <Segment id="218" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="-0.0006834806604013012">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        </Node>
                                        <Node score="0.0027072869237785234">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.0003715193442345865">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005313006101176604">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                </Node>
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                        <Segment id="219" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0039714979788678054">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="-0.0005116828392467587">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.003059696235927802">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                        </Node>
                                        <Node score="0.0006700663719397578">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
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                                </Node>
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                        <Segment id="220" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        <Node score="0.0010217098344395604">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0033141178253679724">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                        <Node score="0.0018023388739061034">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.5053500000000001"/>
                                        </Node>
                                        <Node score="0.011214920258238786">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.5053500000000001"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <Node score="-0.003021689993917886">
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                                    <Node>
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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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.003278738410414425">
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                                        <Node score="0.004618365087516351">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                        <Segment id="223" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                        <Node score="0.011433129243035831">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="84500.0000000000145519"/>
                                        </Node>
                                        <Node score="-0.004744815144106069">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="84500.0000000000145519"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
                                        <Node score="0.00011116813144551448">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="850.5000000000001137"/>
                                        </Node>
                                        <Node score="0.00385014959326359">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="850.5000000000001137"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="224" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7661500000000001"/>
                                        <Node score="-0.0034165313124908466">
                                            <SimplePredicate field="min_tnr" operator="lessOrEqual" value="3.5000000000000004"/>
                                        </Node>
                                        <Node score="0.0005042530964572883">
                                            <SimplePredicate field="min_tnr" operator="greaterThan" value="3.5000000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7661500000000001"/>
                                        <Node score="-0.0017695890927593406">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
                                        </Node>
                                        <Node score="0.003674772899713981">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="639.4350000000000591"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="225" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0006215161388381345">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.8102500000000001"/>
                                        </Node>
                                        <Node score="0.003245478830778832">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.8102500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0020302889796351854">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="50005.0000000000072760"/>
                                        </Node>
                                        <Node score="-0.009403397454301249">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="50005.0000000000072760"/>
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                        <Segment id="226" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="13337.8850000000020373"/>
                                        <Node score="0.0010646553460338722">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="180500.0000000000291038"/>
                                        </Node>
                                        <Node score="-0.0015467235228051315">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="180500.0000000000291038"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="13337.8850000000020373"/>
                                        <Node score="0.00886986599239231">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.7739500000000001"/>
                                        </Node>
                                        <Node score="0.0012595696185950139">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.7739500000000001"/>
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                                </Node>
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                        <Segment id="227" weight="1">
                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" 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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                                        <Node score="-0.004446064333076398">
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                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.00196703190804413">
                                            <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0009252585220720003">
                                            <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.009279252024287">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="32.7600000000000122"/>
                                        </Node>
                                        <Node score="-0.0018980186144925831">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="229" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                        <Node score="-0.0002751085566892249">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004899896835409232">
                                            <SimplePredicate field="apprv_num_m1" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
                                        <Node score="0.005153537047733046">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0004097544256130921">
                                            <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="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="-2.84796926063709e-05">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="lessOrEqual" value="9962.6100000000024011"/>
                                        </Node>
                                        <Node score="0.003292908698641611">
                                            <SimplePredicate field="max_loan_os_prcp_m12" operator="greaterThan" value="9962.6100000000024011"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.0058887928200063765">
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                                        </Node>
                                        <Node score="-0.001079266691559021">
                                            <SimplePredicate field="min_tnr" operator="greaterThan" value="3.5000000000000004"/>
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                                </Node>
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                        <Segment id="231" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <Node score="0.0021159119317832775">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003100744653338809">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.003970614384952883">
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                                        <Node score="0.004991683040181132">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" 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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                                        <Node score="0.0036794153928261875">
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                                <MiningSchema>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <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="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <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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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="-0.003917915820284994">
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                                        <Node score="0.00678739960075932">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="4.5000000000000009"/>
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                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="34.9350000000000094"/>
                                        <Node score="0.0019528538322999124">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0005149503364834452">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="234" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7807500000000002"/>
                                        <Node score="0.0015078966845737036">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0030078089213745104">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7807500000000002"/>
                                        <Node score="0.00040505014074082953">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="4120.0750000000007276"/>
                                        </Node>
                                        <Node score="0.007732146239199245">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="4120.0750000000007276"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.002655452768248069">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="34.9350000000000094"/>
                                        </Node>
                                        <Node score="0.002252153833191534">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="34.9350000000000094"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0033318123930380795">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="0.004910595975108946">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
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                                </Node>
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                        <Segment id="236" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="32.7600000000000122"/>
                                        <Node score="-0.0001739932233221251">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="184500.0000000000291038"/>
                                        </Node>
                                        <Node score="-0.006370575019141082">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="184500.0000000000291038"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="32.7600000000000122"/>
                                        <Node score="-0.00034894365080629004">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="lessOrEqual" value="850.5000000000001137"/>
                                        </Node>
                                        <Node score="0.0030151090489562767">
                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="850.5000000000001137"/>
                                        </Node>
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                                </Node>
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                        <Segment id="237" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0004620363521982441">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="12.5000000000000018"/>
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                                        <Node score="0.010826389908626034">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="12.5000000000000018"/>
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                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0018119907447462216">
                                            <SimplePredicate field="apprv_num_m1" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.008280704775769">
                                            <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="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.0008064267098102683">
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                                        <Node score="-0.006171953524867593">
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                                        </Node>
                                        <Node score="0.006309734140779286">
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                        <Segment id="239" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0016353184310085064">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="0.001966084395139046">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0025211016775955777">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        </Node>
                                        <Node score="-0.009328370127348223">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="240" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0030331569815049216">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="28.5250000000000021"/>
                                        </Node>
                                        <Node score="0.00209330202464438">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="28.5250000000000021"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="0.005343181168752556">
                                            <SimplePredicate field="grade_limit_amount" operator="lessOrEqual" value="84500.0000000000145519"/>
                                        </Node>
                                        <Node score="-0.0032197789206683484">
                                            <SimplePredicate field="grade_limit_amount" operator="greaterThan" value="84500.0000000000145519"/>
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                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="0.0020468154789187874">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="4632.0750000000016371"/>
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                                    <Node>
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                                        <Node score="0.006054397164583358">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="2094.9700000000007094"/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
                                    <True/>
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                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.0016489325174209501">
                                            <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="greaterThan" value="0.4510500000000001"/>
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                                    <Node>
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                                        <Node score="0.0007400040464892579">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
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                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                <Node>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <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"/>
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                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="-0.003192062592692918">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        </Node>
                                        <Node score="5.878172402590089e-05">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="5571.8150000000014188"/>
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                                        </Node>
                                        <Node score="0.0001342038002281268">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="4050.0000000000004547"/>
                                        </Node>
                                    </Node>
                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.004300637502304217">
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                                    <Node>
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                                        <Node score="0.002374988136164825">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.2770500000000001"/>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <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"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
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                                <Node>
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                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="639.4350000000000591"/>
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                                        <Node score="0.00034519390740479696">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
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                                    <Node>
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                                            <SimplePredicate field="end_loan_to_rep_loan_freq" operator="greaterThan" value="603.5000000000001137"/>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0006505223153703473">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="1371.4650000000001455"/>
                                        </Node>
                                        <Node score="0.002113063814830815">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="1371.4650000000001455"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.008699733789507443">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="54.0950000000000060"/>
                                        </Node>
                                        <Node score="-0.0001853895170355277">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="54.0950000000000060"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="251" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        <Node score="-0.01088199693901668">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="2.4847000000000006"/>
                                        </Node>
                                        <Node score="-0.0011157871355856113">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="2.4847000000000006"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        <Node score="0.006108470201658241">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="1847.5000000000002274"/>
                                        </Node>
                                        <Node score="0.0012281562275400248">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="1847.5000000000002274"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="252" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        <Node score="0.001042504949217741">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0023319151095827864">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        <Node score="0.0013992101776951775">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8479500000000001"/>
                                        </Node>
                                        <Node score="0.014661363762591856">
                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="greaterThan" value="0.8479500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="253" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="9.5000000000000018"/>
                                        <Node score="-0.004050614712346359">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.3427500000000001"/>
                                        </Node>
                                        <Node score="0.0004291712316869514">
                                            <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.3427500000000001"/>
                                        </Node>
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                                    <Node>
                                        <SimplePredicate field="avg_tnr" operator="greaterThan" value="9.5000000000000018"/>
                                        <Node score="0.008666919193874344">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.001142617492118577">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" 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="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.0024412226857513024">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        <Node score="0.01335864475222154">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="3.5000000000000004"/>
                                        </Node>
                                        <Node score="0.003329647203212275">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="3.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        <Segment id="255" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
                                        <Node score="0.0023555594391558347">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                        </Node>
                                        <Node score="-0.00033998289068550095">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
                                        <Node score="-0.007363746250110897">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="8.5000000000000018"/>
                                        </Node>
                                        <Node score="-0.0009920072385941436">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="8.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="256" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="237.5000000000000284"/>
                                        <Node score="0.0011574980084294558">
                                            <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="800.0450000000001864"/>
                                        </Node>
                                        <Node score="-0.003074327968181889">
                                            <SimplePredicate field="available_limit_amt" operator="greaterThan" value="800.0450000000001864"/>
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                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="237.5000000000000284"/>
                                        <Node score="0.000642719155429176">
                                            <SimplePredicate field="orig_prcp_avg_m12" operator="lessOrEqual" value="2300.8889000000003762"/>
                                        </Node>
                                        <Node score="0.006041010605868942">
                                            <SimplePredicate field="orig_prcp_avg_m12" operator="greaterThan" value="2300.8889000000003762"/>
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                        <Segment id="257" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="0.01263168586347617">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="16.5000000000000036"/>
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                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.010003783120220445">
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                                        </Node>
                                        <Node score="-0.0014701656103183356">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="37.7450000000000117"/>
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                        <Segment id="258" weight="1">
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <Node score="-0.0005862721616214717">
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                                        <Node score="0.002581631194525146">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1222.0250000000003183"/>
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                                    <Node>
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                                        <Node score="-0.004174088734141048">
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" 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="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        <Node score="0.001074871093328322">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003533611318329773">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <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="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <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"/>
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                                <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="6650.0000000000009095"/>
                                        <Node score="-0.008610857117564596">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="lessOrEqual" value="7.3850000000000007"/>
                                        </Node>
                                        <Node score="0.0009417420556472802">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="7.3850000000000007"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="6650.0000000000009095"/>
                                        <Node score="-0.002033654450735282">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.009207478019111898">
                                            <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="267" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-2.669347853485478e-05">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0040735998975041324">
                                            <SimplePredicate field="useratemore70monthsubcurmonth" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.003641156971909973">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7503500000000001"/>
                                        </Node>
                                        <Node score="0.0009072313233273342">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="268" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="3121.2400000000002365"/>
                                        <Node score="0.0002257073980056537">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="97.2050000000000125"/>
                                        </Node>
                                        <Node score="-0.003491743824145508">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="97.2050000000000125"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="3121.2400000000002365"/>
                                        <Node score="0.003831029924509541">
                                            <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="lessOrEqual" value="0.4510500000000001"/>
                                        </Node>
                                        <Node score="-0.00495449209321436">
                                            <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="greaterThan" value="0.4510500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="269" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="lessOrEqual" value="0.0938500000000000"/>
                                        <Node score="0.0007473667022986456">
                                            <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="2995.0000000000004547"/>
                                        </Node>
                                        <Node score="-0.00569749695579107">
                                            <SimplePredicate field="min_apply_amt" operator="greaterThan" value="2995.0000000000004547"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l60_used_limit_rate_min" operator="greaterThan" value="0.0938500000000000"/>
                                        <Node score="0.010382022632426605">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="-0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.00012168735790213451">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="-0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="270" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="lessOrEqual" value="27.5450000000000053"/>
                                        <Node score="-0.002014723889305746">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="lessOrEqual" value="192.7000000000000171"/>
                                        </Node>
                                        <Node score="-0.008770907902782801">
                                            <SimplePredicate field="cre_l30_l90_used_amt_m_min" operator="greaterThan" value="192.7000000000000171"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="27.5450000000000053"/>
                                        <Node score="-0.0005542065603400874">
                                            <SimplePredicate field="avg_tnr" operator="lessOrEqual" value="10.5000000000000018"/>
                                        </Node>
                                        <Node score="0.0020743397471363356">
                                            <SimplePredicate field="avg_tnr" operator="greaterThan" value="10.5000000000000018"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="271" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                        <Node score="-0.0007008586026417491">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="12.5950000000000006"/>
                                        </Node>
                                        <Node score="0.0030120759934121792">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="12.5950000000000006"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        <Node score="-0.004356518410798701">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.7171500000000001"/>
                                        </Node>
                                        <Node score="0.00023743048049407615">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7171500000000001"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="272" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="7300.0000000000009095"/>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="10.5000000000000018"/>
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                                        <Node score="0.007857236007233464">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="10.5000000000000018"/>
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                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="greaterThan" value="7300.0000000000009095"/>
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                                        </Node>
                                        <Node score="-0.000352298672668052">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m6" operator="greaterThan" value="65.2750000000000199"/>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
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                                        <Node score="-0.0023693893890270558">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                    <Node>
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                                        <Node score="0.003929862584606852">
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                                        <Node score="0.013620848339445836">
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="0.0009707638182957253">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m12" operator="greaterThan" value="7.3850000000000007"/>
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                                    <Node>
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                                <MiningSchema>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
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                                <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" 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="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" 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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                                        </Node>
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                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="apprv_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="avg_tnr" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                    <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6155500000000002"/>
                                        <Node score="-0.004247945064823863">
                                            <SimplePredicate field="min_tnr" operator="lessOrEqual" value="7.0000000000000009"/>
                                        </Node>
                                        <Node score="-0.0002966226059565443">
                                            <SimplePredicate field="min_tnr" operator="greaterThan" value="7.0000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6155500000000002"/>
                                        <Node score="-8.076141169469022e-05">
                                            <SimplePredicate field="min_tnr" operator="lessOrEqual" value="3.5000000000000004"/>
                                        </Node>
                                        <Node score="0.003440389859868792">
                                            <SimplePredicate field="min_tnr" operator="greaterThan" value="3.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.0010092205237881944">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="lessOrEqual" value="1222.0250000000003183"/>
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                                        <Node score="0.002381514100748072">
                                            <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="1222.0250000000003183"/>
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                                    <Node>
                                        <SimplePredicate field="s_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.002863217013182438">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="0.004588411568514972">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
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                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="1847.5000000000002274"/>
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                                            <SimplePredicate field="cre_now_l30_used_amt_d_max" operator="lessOrEqual" value="0.8601500000000001"/>
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                                    <Node>
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                                        <Node score="-0.001893639263084043">
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                                        </Node>
                                        <Node score="0.0010443358317450413">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.7503500000000001"/>
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                                <MiningSchema>
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                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" 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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
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                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                </MiningSchema>
                                <Node>
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                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="237.5000000000000284"/>
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                                        <Node score="0.0035261171459680524">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="237.5000000000000284"/>
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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="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <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="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="-0.000670930961062333">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="lessOrEqual" value="0.6989500000000001"/>
                                        </Node>
                                        <Node score="0.0019904906501146294">
                                            <SimplePredicate field="shd_pre_repay_amt_rate" operator="greaterThan" value="0.6989500000000001"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.007936027135952555">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="lessOrEqual" value="54.0950000000000060"/>
                                        </Node>
                                        <Node score="0.0002461561962847487">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="54.0950000000000060"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="288" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                        <Node score="0.003682108585185651">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="lessOrEqual" value="90.5050000000000097"/>
                                        </Node>
                                        <Node score="0.0005164377754458418">
                                            <SimplePredicate field="repay_amount_all_shd_amt_pc" operator="greaterThan" value="90.5050000000000097"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        <Node score="-0.004255099459734023">
                                            <SimplePredicate field="ps_int_amt_sum" operator="lessOrEqual" value="720.0100000000001046"/>
                                        </Node>
                                        <Node score="0.00011135468003666849">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="720.0100000000001046"/>
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                                    </Node>
                                </Node>
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                        <Segment id="289" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="0.0008565581406396664">
                                            <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="lessOrEqual" value="0.6512500000000001"/>
                                        </Node>
                                        <Node score="-0.004706688541813164">
                                            <SimplePredicate field="cre_now_l60_usedrate_m_max" operator="greaterThan" value="0.6512500000000001"/>
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                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_rem_prcp_paym_m3_num" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0010287045281233355">
                                            <SimplePredicate field="f_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.006946896677486033">
                                            <SimplePredicate field="f_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
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                                    <Node>
                                        <SimplePredicate field="min_apply_amt" operator="lessOrEqual" value="1847.5000000000002274"/>
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                                        <Node score="0.010384481282555296">
                                            <SimplePredicate field="ps_int_amt_sum" operator="greaterThan" value="6043.2050000000008367"/>
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                                    <Node>
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                                        <Node score="0.001204972336001312">
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                                <MiningSchema>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
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                                <Node>
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                                    <MiningField name="useratemore90maxcontimonsm12" 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"/>
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                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
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                                    <MiningField name="available_limit_amt" usageType="active"/>
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                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
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                                        <Node score="-0.0075925143040613185">
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                                        </Node>
                                        <Node score="-5.0484304115616126e-05">
                                            <SimplePredicate field="loan_os_prcp_credit_amount_m3" operator="greaterThan" value="76.5450000000000159"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cre_l90_used_limit_amt_min" operator="greaterThan" value="0.0000000000000000"/>
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                                        </Node>
                                        <Node score="0.005715670899903356">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="6.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
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                                <MiningSchema>
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                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
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                                <Node>
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                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" 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_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
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                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
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                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
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                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
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                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
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                                    <MiningField name="apprv_num_m1" usageType="active"/>
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                                <Node>
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                                        <Node score="-0.008060374704673055">
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                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
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                                    <MiningField name="repay_amount_all_shd_amt_pc" 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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                                <MiningSchema>
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                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="8.762451962551501e-07">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="lessOrEqual" value="287.5000000000000568"/>
                                        </Node>
                                        <Node score="0.0036438758859166924">
                                            <SimplePredicate field="shd_pre_repay_cnt" operator="greaterThan" value="287.5000000000000568"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="-0.0030973636346528026">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="0.002781101924884441">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="299" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="7.5000000000000009"/>
                                        <Node score="0.000886924213531141">
                                            <SimplePredicate field="t_ps_od_days_max" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.002391264622594165">
                                            <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="t_ps_od_days_max" operator="greaterThan" value="7.5000000000000009"/>
                                        <Node score="-0.0019502250139191843">
                                            <SimplePredicate field="ps_int_amt_avg" operator="lessOrEqual" value="6.2587500000000009"/>
                                        </Node>
                                        <Node score="0.009069041107157462">
                                            <SimplePredicate field="ps_int_amt_avg" operator="greaterThan" value="6.2587500000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="300" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="min_apply_amt" usageType="active"/>
                                    <MiningField name="grade_limit_amount" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m12" usageType="active"/>
                                    <MiningField name="shd_pre_repay_amt_rate" usageType="active"/>
                                    <MiningField name="ps_int_amt_avg" usageType="active"/>
                                    <MiningField name="repay_amount_m6_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="useratemore90maxcontimonsm12" usageType="active"/>
                                    <MiningField name="suc_apprv_num_m6" usageType="active"/>
                                    <MiningField name="shd_pre_repay_cnt" usageType="active"/>
                                    <MiningField name="ps_int_amt_sum" usageType="active"/>
                                    <MiningField name="avg_tnr" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_gt0_m12_num_pc" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m12" usageType="active"/>
                                    <MiningField name="cre_now_l60_used_amt_m_max" usageType="active"/>
                                    <MiningField name="min_tnr" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_used_amt_d_max" usageType="active"/>
                                    <MiningField name="useratemore70_m6_num" usageType="active"/>
                                    <MiningField name="useratemore70monthsubcurmonth" usageType="active"/>
                                    <MiningField name="max_loan_os_prcp_m12" usageType="active"/>
                                    <MiningField name="s_ps_od_days_max" usageType="active"/>
                                    <MiningField name="f_ps_od_days_max" usageType="active"/>
                                    <MiningField name="cre_now_l30_limit_left_d_min" usageType="active"/>
                                    <MiningField name="cre_l90_used_limit_amt_min" usageType="active"/>
                                    <MiningField name="available_limit_amt" usageType="active"/>
                                    <MiningField name="cre_now_l90_limit_left_d_min" usageType="active"/>
                                    <MiningField name="end_loan_to_rep_loan_freq" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m3" usageType="active"/>
                                    <MiningField name="loan_os_prcp_credit_amount_m6" usageType="active"/>
                                    <MiningField name="cre_now_p1m_used_rate_m" usageType="active"/>
                                    <MiningField name="useratemore50maxcontimonsm12" usageType="active"/>
                                    <MiningField name="cre_now_l60_usedrate_m_max" usageType="active"/>
                                    <MiningField name="cre_l60_used_limit_rate_min" usageType="active"/>
                                    <MiningField name="useratemore90_m3_num" usageType="active"/>
                                    <MiningField name="last_clear_num_m1" usageType="active"/>
                                    <MiningField name="cre_now_l60_limit_left_d_max" usageType="active"/>
                                    <MiningField name="apprv_num_m1" usageType="active"/>
                                    <MiningField name="cre_l30_l90_used_amt_m_min" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_num" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="lessOrEqual" value="237.6800000000000352"/>
                                        <Node score="0.0020206098039887506">
                                            <SimplePredicate field="useratemore70_m6_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="-0.0009890406230750543">
                                            <SimplePredicate field="useratemore70_m6_num" operator="greaterThan" value="5.5000000000000009"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="available_limit_amt" operator="greaterThan" value="237.6800000000000352"/>
                                        <Node score="-0.007438940956020836">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="lessOrEqual" value="-0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0008885307542341249">
                                            <SimplePredicate field="cre_now_p1m_used_rate_m" operator="greaterThan" value="-0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                    </Segmentation>
                </MiningModel>
            </Segment>
            <Segment id="2" weight="1">
                <True/>
                <RegressionModel modelName="LGBMClassifier" functionName="classification" normalizationMethod="logit">
                    <MiningSchema>
                        <MiningField name="lgbValue" usageType="active" optype="continuous"/>
                        <MiningField name="target" usageType="target" optype="categorical"/>
                    </MiningSchema>
                    <Output>
                        <OutputField name="probability_0" optype="continuous" dataType="double" feature="probability" value="0"/>
                        <OutputField name="probability_1" optype="continuous" dataType="double" feature="probability" value="1"/>
                        <OutputField name="predicted_target" optype="categorical" dataType="integer" feature="predictedValue"/>
                    </Output>
                    <RegressionTable intercept="0.0" targetCategory="1">
                        <NumericPredictor name="lgbValue" exponent="1" coefficient="1.0"/>
                    </RegressionTable>
                    <RegressionTable intercept="0.0" targetCategory="0"/>
                </RegressionModel>
            </Segment>
        </Segmentation>
    </MiningModel>
</PMML>
