<?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>2026-11-03 12:00:36.164924</Timestamp>
    </Header>
    <DataDictionary numberOfFields="41">
        <DataField name="last6average" optype="continuous" dataType="double"/>
        <DataField name="loannum" optype="continuous" dataType="double"/>
        <DataField name="sum_month3_new_loan" optype="continuous" dataType="double"/>
        <DataField name="sum_card_mob12_neverdur" optype="continuous" dataType="double"/>
        <DataField name="loan_reject_rate_3m" optype="continuous" dataType="double"/>
        <DataField name="cur_od_loan_amt" optype="continuous" dataType="double"/>
        <DataField name="sum_apply_amt" optype="continuous" dataType="double"/>
        <DataField name="odgt0_m12_mob_pc" optype="continuous" dataType="double"/>
        <DataField name="ps_od_norm_int_amt" optype="continuous" dataType="double"/>
        <DataField name="setl_int_avg" optype="continuous" dataType="double"/>
        <DataField name="odgt0_m12_num" optype="continuous" dataType="double"/>
        <DataField name="apply_amt_avg_m12" optype="continuous" dataType="double"/>
        <DataField name="max_od_days_m12" optype="continuous" dataType="double"/>
        <DataField name="all_repay_amount_m3_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="acc_ps_perd_no" optype="continuous" dataType="double"/>
        <DataField name="od_amt_m12_loan_os_prcp_m12_pc" optype="continuous" dataType="double"/>
        <DataField name="end_loan_to_cur_freq" optype="continuous" dataType="double"/>
        <DataField name="useratemore90monthsubcurmonth" optype="continuous" dataType="double"/>
        <DataField name="account_age_loan_day" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_m12_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_m6_loan_os_prcp_pc" optype="continuous" dataType="double"/>
        <DataField name="sum_orig_prcp" optype="continuous" dataType="double"/>
        <DataField name="m_c_over_due_cnt" optype="continuous" dataType="double"/>
        <DataField name="loan_os_prcp_orig_prcp_pc" optype="continuous" dataType="double"/>
        <DataField name="account_age" optype="continuous" dataType="double"/>
        <DataField name="setl_int_mon" optype="continuous" dataType="double"/>
        <DataField name="t_ps_od_days_max" optype="continuous" dataType="double"/>
        <DataField name="od_amt_m3_loan_os_prcp_m3_pc" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_last_month_loan_os_prcp_pc" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="setl_prcp_mon_ratio" optype="continuous" dataType="double"/>
        <DataField name="nosvaing_bank_cnt_1m" optype="continuous" dataType="double"/>
        <DataField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" optype="continuous" dataType="double"/>
        <DataField name="useratemore90_m6_num" optype="continuous" dataType="double"/>
        <DataField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" optype="continuous" dataType="double"/>
        <DataField name="orig_prcp_avg_m6" optype="continuous" dataType="double"/>
        <DataField name="ovd_days_d30_num_m6" optype="continuous" dataType="double"/>
        <DataField name="apply_num_m6" optype="continuous" dataType="double"/>
        <DataField name="odduecontireducenumm12" optype="continuous" dataType="double"/>
        <DataField name="tothismonthodcontiaddnumm12" optype="continuous" dataType="double"/>
        <DataField name="target" optype="categorical" dataType="integer">
            <Value value="0"/>
            <Value value="1"/>
        </DataField>
    </DataDictionary>
    <MiningModel modelName="LightGBModel" functionName="classification">
        <MiningSchema>
            <MiningField name="last6average" usageType="active" optype="continuous"/>
            <MiningField name="loannum" usageType="active" optype="continuous"/>
            <MiningField name="sum_month3_new_loan" usageType="active" optype="continuous"/>
            <MiningField name="sum_card_mob12_neverdur" usageType="active" optype="continuous"/>
            <MiningField name="loan_reject_rate_3m" usageType="active" optype="continuous"/>
            <MiningField name="cur_od_loan_amt" usageType="active" optype="continuous"/>
            <MiningField name="sum_apply_amt" usageType="active" optype="continuous"/>
            <MiningField name="odgt0_m12_mob_pc" usageType="active" optype="continuous"/>
            <MiningField name="ps_od_norm_int_amt" usageType="active" optype="continuous"/>
            <MiningField name="setl_int_avg" usageType="active" optype="continuous"/>
            <MiningField name="odgt0_m12_num" usageType="active" optype="continuous"/>
            <MiningField name="apply_amt_avg_m12" usageType="active" optype="continuous"/>
            <MiningField name="max_od_days_m12" usageType="active" optype="continuous"/>
            <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="acc_ps_perd_no" usageType="active" optype="continuous"/>
            <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active" optype="continuous"/>
            <MiningField name="end_loan_to_cur_freq" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90monthsubcurmonth" usageType="active" optype="continuous"/>
            <MiningField name="account_age_loan_day" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active" optype="continuous"/>
            <MiningField name="sum_orig_prcp" usageType="active" optype="continuous"/>
            <MiningField name="m_c_over_due_cnt" usageType="active" optype="continuous"/>
            <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active" optype="continuous"/>
            <MiningField name="account_age" usageType="active" optype="continuous"/>
            <MiningField name="setl_int_mon" usageType="active" optype="continuous"/>
            <MiningField name="t_ps_od_days_max" usageType="active" optype="continuous"/>
            <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="setl_prcp_mon_ratio" usageType="active" optype="continuous"/>
            <MiningField name="nosvaing_bank_cnt_1m" usageType="active" optype="continuous"/>
            <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90_m6_num" usageType="active" optype="continuous"/>
            <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active" optype="continuous"/>
            <MiningField name="orig_prcp_avg_m6" usageType="active" optype="continuous"/>
            <MiningField name="ovd_days_d30_num_m6" usageType="active" optype="continuous"/>
            <MiningField name="apply_num_m6" usageType="active" optype="continuous"/>
            <MiningField name="odduecontireducenumm12" usageType="active" optype="continuous"/>
            <MiningField name="tothismonthodcontiaddnumm12" usageType="active" optype="continuous"/>
            <MiningField name="target" usageType="target" optype="categorical"/>
        </MiningSchema>
        <Output>
            <OutputField name="probability_0" optype="continuous" dataType="double" feature="probability" value="0"/>
            <OutputField name="probability_1" optype="continuous" dataType="double" feature="probability" value="1"/>
            <OutputField name="predicted_target" optype="categorical" dataType="integer" feature="predictedValue"/>
        </Output>
        <Segmentation multipleModelMethod="modelChain" missingThreshold="1">
            <Segment id="1" weight="1">
                <True/>
                <MiningModel modelName="MiningModel" functionName="regression">
                    <MiningSchema>
                        <MiningField name="last6average" usageType="active"/>
                        <MiningField name="loannum" usageType="active"/>
                        <MiningField name="sum_month3_new_loan" usageType="active"/>
                        <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                        <MiningField name="loan_reject_rate_3m" usageType="active"/>
                        <MiningField name="cur_od_loan_amt" usageType="active"/>
                        <MiningField name="sum_apply_amt" usageType="active"/>
                        <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                        <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                        <MiningField name="setl_int_avg" usageType="active"/>
                        <MiningField name="odgt0_m12_num" usageType="active"/>
                        <MiningField name="apply_amt_avg_m12" usageType="active"/>
                        <MiningField name="max_od_days_m12" usageType="active"/>
                        <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                        <MiningField name="acc_ps_perd_no" usageType="active"/>
                        <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                        <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                        <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                        <MiningField name="account_age_loan_day" usageType="active"/>
                        <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                        <MiningField name="sum_orig_prcp" usageType="active"/>
                        <MiningField name="m_c_over_due_cnt" usageType="active"/>
                        <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                        <MiningField name="account_age" usageType="active"/>
                        <MiningField name="setl_int_mon" usageType="active"/>
                        <MiningField name="t_ps_od_days_max" usageType="active"/>
                        <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                        <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                        <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                        <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                        <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                        <MiningField name="useratemore90_m6_num" usageType="active"/>
                        <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                        <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                        <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                        <MiningField name="apply_num_m6" usageType="active"/>
                        <MiningField name="odduecontireducenumm12" usageType="active"/>
                        <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                    </MiningSchema>
                    <Output>
                        <OutputField name="lgbValue" optype="continuous" dataType="double" feature="predictedValue"/>
                    </Output>
                    <Segmentation multipleModelMethod="sum" missingThreshold="1">
                        <Segment id="1" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="2.169039325587504">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="2.1541229780953888">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="25.0050000000000061"/>
                                        </Node>
                                        <Node score="2.1603024154146295">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="25.0050000000000061"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="2" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.010489513715248481">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.002760323375085162">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004368788996989522">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="3" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.010411261244140511">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0027859778911680975">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004619508451553142">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="4" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.010480050143303056">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.003102734801355188">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003975210610811847">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="5" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.01021404745662879">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0028038652124205386">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003929545241170759">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="6" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0102361885309831">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.002425418899275522">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004359880638590272">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="7" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.010206180558994206">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.00151936157779909">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="25.0350000000000037"/>
                                        </Node>
                                        <Node score="-0.00522367261571714">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="25.0350000000000037"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="8" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009981576692114205">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.002231726913376653">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003956388600999632">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
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                                </Node>
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                        <Segment id="9" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009994476666815341">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.002744243991081941">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0038790622571041157">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="10" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.010519792895830214">
                                            <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="34.8450000000000060"/>
                                        </Node>
                                        <Node score="0.0038423466530916996">
                                            <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="34.8450000000000060"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="0.002785796134810542">
                                            <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="-0.0029170193467126498">
                                            <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="11" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.010126471765677611">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0021189221375929332">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0037669293440010074">
                                            <SimplePredicate field="ovd_days_d30_num_m6" 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="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009798749811088888">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0031185460698280065">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0027742807827038332">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="13" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009676920652760667">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0014041074554326375">
                                            <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="5.5000000000000009"/>
                                        </Node>
                                        <Node score="-0.005467618787558464">
                                            <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="5.5000000000000009"/>
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                                </Node>
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                        <Segment id="14" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
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                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
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                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.0038397119510789435">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="35.9450000000000074"/>
                                        </Node>
                                        <Node score="0.001974002415374366">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="35.9450000000000074"/>
                                        </Node>
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                                </Node>
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                        </Segment>
                        <Segment id="15" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009521012811115155">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.00256461829584229">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004716901382619978">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="16" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node score="0.009557652749287479">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="0.003137831245807961">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0017450128201247953">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="17" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009488967812929737">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="3.29711037846313e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="18" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009548280315774212">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.002078683164177743">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0039940056701393434">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="19" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009519742081339707">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.00239676556996507">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004292970567066364">
                                            <SimplePredicate field="ovd_days_d30_num_m6" 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="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node score="0.009631686410290288">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="0.003152415112473329">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0014987343168279355">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="21" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00897006643134086">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.00011598311394061794">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="22" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009300029901237338">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0026045244569065065">
                                            <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="-0.002977565136425036">
                                            <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="23" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008555951958275253">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="0.00219176621688263">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0034291827922688094">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="24" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008891781155212128">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0015078615442112183">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0037271942432737484">
                                            <SimplePredicate field="ovd_days_d30_num_m6" 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="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00887987369961584">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0021199549064272643">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003930775923254203">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="26" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node score="0.008926465222403151">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="0.002355044973842968">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0017242661698495011">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="27" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008816121557336621">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.001059893863299471">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004229941247923003">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="28" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node score="0.008799319731547576">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="0.0020523586043404715">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                        <Node score="-2.0416060202969247e-05">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.007253715115523128">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="29" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00838267795331432">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0017404875478677206">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004313111619737943">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="30" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0085556545723032">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0027079796933080673">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0029361019469068238">
                                            <SimplePredicate field="ovd_days_d30_num_m6" 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="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008658121176532137">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0013261791208805226">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003972136759173805">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </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="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008485959658895457">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="2.679726321765339e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="33" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008446599727757373">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.001953700641937092">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003296257502720944">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="34" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007404543244042695">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                        <Node score="-2.412532002905878e-05">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.006870370008327287">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="35" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008367950469951356">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0022947435113896304">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0031807438744636918">
                                            <SimplePredicate field="ovd_days_d30_num_m6" 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="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="0.008907892285227247">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00018541286727297192">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.002294953650481182">
                                            <SimplePredicate field="apply_amt_avg_m12" operator="lessOrEqual" value="12025.0000000000018190"/>
                                        </Node>
                                        <Node score="0.003793641890110137">
                                            <SimplePredicate field="apply_amt_avg_m12" operator="greaterThan" value="12025.0000000000018190"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="37" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00785970274841247">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
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                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="0.0011125775390337072">
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                                        </Node>
                                        <Node score="-0.005103438670881339">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
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                        <Segment id="38" weight="1">
                            <True/>
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                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007538812823549237">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.00025956426912204913">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="39" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008048292087600425">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.002319471285735773">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0029435556338781505">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="40" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007827910655927342">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-6.79348418339499e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="41" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007791790525308565">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="2.3144665445053828e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="42" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007644599566159604">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="2.17409665518129e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="43" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0073655504956429115">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.0029325752326987533">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="lessOrEqual" value="66.8450000000000131"/>
                                        </Node>
                                        <Node score="-0.004506743742776775">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="greaterThan" value="66.8450000000000131"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="44" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="0.00854730660398528">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00017932814569277932">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.002051557655792856">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.003598997023913344">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="45" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007277656837536963">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="-0.0046489643231686275">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="44.6050000000000111"/>
                                        </Node>
                                        <Node score="0.002342107246780543">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="44.6050000000000111"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="46" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007012773580913858">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0008023320514775804">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="47" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.007914714529961111">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.0001429145987214803">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="0.0006811969493223419">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.00508425897317066">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="48" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node score="0.007550669489114434">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00012569525490381908">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0015806282968683534">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="49" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0075942355501101705">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="2.131085469111292e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="50" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node score="0.0074027251499364935">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00012335691618709673">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                        <Node score="8.250173973346935e-05">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.007204739837351934">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="51" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.00790808231780102">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                        </Node>
                                        <Node score="0.0003772037695995406">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.004437489191548918">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="35.9450000000000074"/>
                                        </Node>
                                        <Node score="0.0008525142719293388">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="35.9450000000000074"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="52" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0070949991178773895">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.003044459516864393">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="35.9450000000000074"/>
                                        </Node>
                                        <Node score="0.0019031570215934177">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="35.9450000000000074"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="53" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006901929532579727">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.0009433948164626879">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.008856733176267537">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="54" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007000492678534963">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="1.896926788005229e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
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                        <Segment id="55" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
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                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.007514353256002661">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                        </Node>
                                        <Node score="0.00012135410845945251">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0009281116349492622">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
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                        <Segment id="56" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.002153384447142339">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.008466302603820378">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00026077531786859026">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="57" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0068731629345490245">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="1.8141416128253883e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="58" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node score="0.007194811727999631">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00011415426727057489">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                        <Node score="-1.951070163508477e-05">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.006555253901615658">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="59" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                        <Node score="0.007923563006110117">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="0.0010484092943262111">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.00016464818161336135">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.007554190761383634">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="60" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="0.007796205624975015">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00015134733250151902">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00024400734104930457">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="61" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006889303042743218">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.004881614221477154">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="18.3950000000000031"/>
                                        </Node>
                                        <Node score="0.0010356109835252146">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="18.3950000000000031"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="62" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.007126569941609137">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                        </Node>
                                        <Node score="0.0001156913436481502">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.006061954545612782">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="18.3950000000000031"/>
                                        </Node>
                                        <Node score="0.00011988267041911413">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="18.3950000000000031"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="63" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006659570107195021">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0017621530849639554">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.00318519951619333">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="64" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.007001537882915053">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00011973724251083507">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="0.0005765363120619268">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005174629678257402">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="65" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00697310467757222">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.0004675059476646469">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="66" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0060463155760987885">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.0027080989653590305">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="lessOrEqual" value="66.8450000000000131"/>
                                        </Node>
                                        <Node score="-0.004142555298458738">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="greaterThan" value="66.8450000000000131"/>
                                        </Node>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="67" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                        <Node score="0.00729683950091946">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.00033119311398613013">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="-0.00649753158668765">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-254.4999999999999716"/>
                                        </Node>
                                        <Node score="0.0007626645363918669">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-254.4999999999999716"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="68" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005998778859366398">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.0012327639858861577">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.006622955082211802">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="69" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005814188621812145">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.0029223325715987307">
                                            <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="0.0026441189008261728">
                                            <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="70" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006105182959340249">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.0008464760752936291">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.007442945357179849">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="71" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005829152757966902">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0008831430843818864">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="72" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005571808814750405">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.001003911382763881">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005996502545545287">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="73" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="0.006753669755692985">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00013000220202513232">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.002098692321958561">
                                            <SimplePredicate field="apply_amt_avg_m12" operator="lessOrEqual" value="12025.0000000000018190"/>
                                        </Node>
                                        <Node score="0.003364240274741656">
                                            <SimplePredicate field="apply_amt_avg_m12" operator="greaterThan" value="12025.0000000000018190"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="74" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0056802937126997485">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0008608761540774452">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="75" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.0004553811758484915">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.007322912886817545">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00040867180168876967">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="76" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005717581636660666">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.0004129594329477301">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.007092485829464289">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="77" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005526129627308977">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.0005831175955857229">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="24.2450000000000010"/>
                                        </Node>
                                        <Node score="-0.007647024797094383">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="24.2450000000000010"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="78" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00510795720263548">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.0012361177121470556">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="lessOrEqual" value="66.8450000000000131"/>
                                        </Node>
                                        <Node score="-0.004082218180977937">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="greaterThan" value="66.8450000000000131"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="79" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node score="9.382434275509398e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.0066744044009008794">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0013824916726495665">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="80" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0056843586652789435">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-3.204535121212963e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="81" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                        <Node score="0.006172612380573306">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="9.300890705881017e-05">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                        <Node score="-1.8844554845999445e-05">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.006261382195445464">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="82" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006754352599936902">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="0.0021702149249243417">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0025354739534141223">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="83" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.0063923421669639675">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0145231541620032"/>
                                        </Node>
                                        <Node score="7.979096915833776e-05">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0145231541620032"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.006541852933424212">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="18.3950000000000031"/>
                                        </Node>
                                        <Node score="0.00023690039463130822">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="18.3950000000000031"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="84" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.007338193228863096">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        <Node score="0.005574525835086405">
                                            <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                        </Node>
                                        <Node score="1.9935864003425477e-05">
                                            <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="85" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0052630332143642836">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.0010472387825204337">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="86" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0050236160654904966">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0005808067946245387">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="87" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                        <Node score="0.006688669451095533">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="6.842006263844056e-05">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.001465332183314453">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="lessOrEqual" value="66.8450000000000131"/>
                                        </Node>
                                        <Node score="-0.004154537917440263">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="greaterThan" value="66.8450000000000131"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="88" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0067735592658661505">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.00677003125292267">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                        </Node>
                                        <Node score="0.0010270733419496926">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="89" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006617651836837129">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.006753929489274124">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                        </Node>
                                        <Node score="0.0012061890661333196">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="90" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004875446556451565">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="-0.005540050961356336">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="lessOrEqual" value="-254.4999999999999716"/>
                                        </Node>
                                        <Node score="0.0003937199058435702">
                                            <SimplePredicate field="end_loan_to_cur_freq" operator="greaterThan" value="-254.4999999999999716"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="91" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="0.00011749983871216113">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.006902445690251993">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0005033778870813549">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="92" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                        <Node score="0.001312926086203812">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                        </Node>
                                        <Node score="0.007071986416329229">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.00025554878970546045">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.006738191169115918">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="93" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006206375923181804">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="9.350094371913803e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="94" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="0.0009348630165645641">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.006992211121168777">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00021745087233219896">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="95" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="7.602052358306821e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.006419008927215834">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0009045884449114081">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="96" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006385119262532991">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.008306441427640044">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                        </Node>
                                        <Node score="0.0011438291253660572">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="97" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004493806255183703">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0013361917727991023">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="98" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00463921896194197">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0005938132430902802">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="99" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005706896569031854">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        <Node score="0.005295493133710283">
                                            <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                        </Node>
                                        <Node score="1.951281796034557e-05">
                                            <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="100" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="29.2850000000000037"/>
                                        <Node score="0.006444097938985832">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="8.721562305072784e-05">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="29.2850000000000037"/>
                                        <Node score="-0.0018176659166942808">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="66.7300000000000182"/>
                                        </Node>
                                        <Node score="0.003775349702818119">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="66.7300000000000182"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="101" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004968991140404949">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        <Node score="2.0719292095294918e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="20.5000000000000036"/>
                                        </Node>
                                        <Node score="0.004437476378470244">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="20.5000000000000036"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="102" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                        <Node score="5.3899845019143925e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.005677005164162696">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.001719353990399293">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="lessOrEqual" value="66.8450000000000131"/>
                                        </Node>
                                        <Node score="-0.0035091400989008385">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="greaterThan" value="66.8450000000000131"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="103" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        <Node score="4.2439258162561496e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="5050.0000000000009095"/>
                                        </Node>
                                        <Node score="0.005107651999877947">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="5050.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0024488461026789523">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="104" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="0.005828116710422992">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00010065112086082762">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0002546294396882618">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="105" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004242071251241675">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.00021370670582475832">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.00706799049359846">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="106" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005488777227122964">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        <Node score="0.005277239980964267">
                                            <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                        </Node>
                                        <Node score="2.3669090285667004e-05">
                                            <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="107" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00441030114880267">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0004821435806151951">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="108" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="4.513524524306531e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="24.5000000000000036"/>
                                        </Node>
                                        <Node score="0.006066057049695076">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="24.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0007509521904376831">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="109" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004963031150620141">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        <Node score="0.004690790657637851">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="1.655212207783579e-05">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="110" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                        <Node score="3.275996474973098e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.005819252523697178">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.001000118172849434">
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="111" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005675220897919346">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        <Node score="0.004150208613738915">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                        </Node>
                                        <Node score="-0.0019879888176513607">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="112" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.00010385103414061001">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.007541022946165794">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.006302920958772904">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                        </Node>
                                        <Node score="0.0009966478774549041">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="113" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004130040586812881">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0006797348041316186">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="114" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0040602394128410515">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0006934329457900191">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="115" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="3.5940140786589734e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.005797964435640501">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0010591268644947877">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="116" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004735683608289389">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        <Node score="0.004153156501257779">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0036870799109319"/>
                                        </Node>
                                        <Node score="-7.27814905288667e-05">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0036870799109319"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="117" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0043909587164116404">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0007336798704550247">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="118" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0038712728881613555">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0007831500407250682">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="119" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004166778912886945">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.001158355576013638">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="120" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005168394136734336">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        <Node score="0.004277296611905008">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                        </Node>
                                        <Node score="1.3996062723802241e-05">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="121" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="9.133955145624895e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.007015703402268206">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.0019298609676320598">
                                            <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="0.0028640114848337613">
                                            <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="122" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="2.670624452316083e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="10050.0000000000018190"/>
                                        </Node>
                                        <Node score="0.0059654887386089645">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="10050.0000000000018190"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0016022171080313104">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="123" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0034955684689186965">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0011364438524184713">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="124" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005217724809614995">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        <Node score="0.0001884466716331489">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                        </Node>
                                        <Node score="0.004465586924024639">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="125" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                        <Node score="1.760410078945847e-05">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                        </Node>
                                        <Node score="0.00552094104912725">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        <Node score="-0.004921762418036758">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="66.7300000000000182"/>
                                        </Node>
                                        <Node score="0.0022404288802537237">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="66.7300000000000182"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="126" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="3.431037985512776e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.005649843982680465">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0003453345342987268">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="127" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        <Node score="0.004592985235244408">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="1.912997626379935e-05">
                                            <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0030576664825395024">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="128" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004480449433174135">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.0020285911787914965">
                                            <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="0.0030179834332510077">
                                            <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="129" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0033660974809573505">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="-1.3011829848439714e-05">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005833204712143083">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="130" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0007194342756445503">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                        <Node score="4.273492562793462e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="22.5000000000000036"/>
                                        </Node>
                                        <Node score="0.005944063097955868">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="22.5000000000000036"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="131" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003763643182470515">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0008546178818496362">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="132" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004448435238425872">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        <Node score="0.0013219091842131422">
                                            <SimplePredicate field="nosvaing_bank_cnt_1m" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="0.007879249085856101">
                                            <SimplePredicate field="nosvaing_bank_cnt_1m" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="133" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0035251185246175315">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.000749414554154071">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="134" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.004459042536618159">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0145231541620032"/>
                                        </Node>
                                        <Node score="-0.00029232677503230296">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0145231541620032"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0011563793673988309">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="135" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005253808532741669">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        <Node score="0.003605915232874237">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0048869623991535"/>
                                        </Node>
                                        <Node score="-0.0005695530026163896">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0048869623991535"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="136" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="1.2164226195241627e-05">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                        </Node>
                                        <Node score="0.005129393088035965">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0020986518499497364">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
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                        </Segment>
                        <Segment id="137" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="49.4950000000000117"/>
                                        <Node score="9.32776422151646e-06">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                        </Node>
                                        <Node score="0.004569923444057608">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.004945653934288707">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="49.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="138" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="3.7003564538392906e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.006073887620348971">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0008714509899772437">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="139" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                        <Node score="1.9280504061303715e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="10050.0000000000018190"/>
                                        </Node>
                                        <Node score="0.005268740614903318">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="10050.0000000000018190"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                        <Node score="-0.004885109101915855">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="44.6050000000000111"/>
                                        </Node>
                                        <Node score="0.0007506862785934135">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="44.6050000000000111"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="140" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        <Node score="1.1459295554064858e-05">
                                            <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.004524804613739615">
                                            <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00325865766094329">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="141" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.006215139756634094">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        <Node score="0.0034646421296730236">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                        </Node>
                                        <Node score="-0.0007270724165627985">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="142" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0009208178150456773">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                        <Node score="0.007596564257586934">
                                            <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                        </Node>
                                        <Node score="0.0007882820873943063">
                                            <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="143" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0008891161647612143">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                        <Node score="0.004806040698799363">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="3.84553153480538e-05">
                                            <SimplePredicate field="ovd_days_d30_num_m6" 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>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003950046325990714">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.00022413594860998465">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="145" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="7.765637446351619e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.006293110750397585">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node score="3.8108377742916623e-06">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
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                        <Segment id="146" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005397524331057513">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        <Node score="0.000475633096179516">
                                            <SimplePredicate field="sum_card_mob12_neverdur" operator="lessOrEqual" value="6.5000000000000009"/>
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                                        <Node score="0.005460433806771824">
                                            <SimplePredicate field="sum_card_mob12_neverdur" operator="greaterThan" value="6.5000000000000009"/>
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                                <MiningSchema>
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                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
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                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
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                                <Node>
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                                        <Node score="1.568262748029068e-05">
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                                    <Node>
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                                        <Node score="0.0002083858557906926">
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                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
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                                    <MiningField name="setl_int_avg" usageType="active"/>
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                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
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                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
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                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
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                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
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                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
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                                <Node>
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                                    <Node score="0.0027790227111388313">
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                                    <Node>
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        <Node score="-2.159745342974064e-05">
                                            <SimplePredicate field="od_amt_m3_loan_os_prcp_m3_pc" operator="lessOrEqual" value="9.8250000000000011"/>
                                        </Node>
                                        <Node score="-0.007470715751270907">
                                            <SimplePredicate field="od_amt_m3_loan_os_prcp_m3_pc" operator="greaterThan" value="9.8250000000000011"/>
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                        </Segment>
                        <Segment id="149" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                        <Node score="1.4391756736703367e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="32.5000000000000071"/>
                                        </Node>
                                        <Node score="0.00541197201052537">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="32.5000000000000071"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                        <Node score="-3.187904111940011e-05">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0068597302953528816">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="150" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0030108321629061805">
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="-0.0015235844141503288">
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="151" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        <Node score="1.4248562321878353e-05">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="833.3350000000001501"/>
                                        </Node>
                                        <Node score="0.005269650437026799">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="833.3350000000001501"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0017693384215927387">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="152" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="apply_amt_avg_m12" operator="lessOrEqual" value="10025.0000000000018190"/>
                                        <Node score="0.0007275306564975152">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="19.5600000000000058"/>
                                        </Node>
                                        <Node score="-0.00589815456797419">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="19.5600000000000058"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.003716559452139208">
                                        <SimplePredicate field="apply_amt_avg_m12" operator="greaterThan" value="10025.0000000000018190"/>
                                    </Node>
                                </Node>
                            </TreeModel>
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                        <Segment id="153" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        <Node score="0.004123300560600878">
                                            <SimplePredicate field="loan_reject_rate_3m" operator="lessOrEqual" value="0.5751500000000002"/>
                                        </Node>
                                        <Node score="-7.18403292431747e-05">
                                            <SimplePredicate field="loan_reject_rate_3m" operator="greaterThan" value="0.5751500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.002653870042532076">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
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                        <Segment id="154" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0028002241368678253">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.001235471922810815">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="155" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0031665162799845614">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.0013234792882693212">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="156" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0036945519515432755">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.00038783432557983055">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="157" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0014744773190047793">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        <Node score="0.0053056246091568214">
                                            <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="1.9406134375184892e-05">
                                            <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="158" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0024178530237113777">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0021837990242470928">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="159" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005704598504059593">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        <Node score="0.003236946371769383">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                        </Node>
                                        <Node score="-0.000686616640055925">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="160" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
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                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                        <Node score="-0.00131721057734744">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="13.5000000000000018"/>
                                        </Node>
                                        <Node score="0.0036626410836169063">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="13.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        <Node score="-0.005452962032545209">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="52.9550000000000054"/>
                                        </Node>
                                        <Node score="0.0007143075630135163">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="52.9550000000000054"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="161" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.005353566142126122">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        <Node score="0.0031758170844832147">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                        </Node>
                                        <Node score="-0.0008907566792186177">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="162" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="7.475080015991694e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.006222168923768538">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00011327879831375772">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="163" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0009338392539360209">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.0029305567495907636">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="164" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="nosvaing_bank_cnt_1m" operator="lessOrEqual" value="1.5000000000000002"/>
                                        <Node score="0.0011759992405900015">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                        </Node>
                                        <Node score="-0.0033723397875058737">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.006446905877218089">
                                        <SimplePredicate field="nosvaing_bank_cnt_1m" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="165" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                        <Node score="-0.003733866954735786">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                        </Node>
                                        <Node score="0.002769358356597574">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0033758161732213876">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="166" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0012111798742779826">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                    </Node>
                                    <Node score="0.002966934130456739">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="167" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0010798408999812136">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                        <Node score="0.0049795983022135094">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="3.945109166573276e-05">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="168" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0045190970439236994">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.0015984233545168292">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="169" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0026669655847139134">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0010784943456095322">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="170" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002912499310131924">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.0011155005134245507">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="171" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0038195066926266104">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.0023283222384899243">
                                            <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="0.00236068018904826">
                                            <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="172" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0006251915646460568">
                                        <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.003295936252923156">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="173" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0011346311594000727">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.0031518831036581">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="174" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0020327936455365857">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0021792014770555574">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="175" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002509615333478686">
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="-0.0017485818991426413">
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="176" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0052779936238992265">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                    </Node>
                                    <Node score="0.00144087171292842">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="177" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0017023752547398203">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="20.5000000000000036"/>
                                    </Node>
                                    <Node score="0.002405788424941495">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="20.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="178" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="5.0650000000000004"/>
                                        <Node score="1.2696691872608093e-05">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                        </Node>
                                        <Node score="0.0045182845310881995">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0022461744525983604">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="5.0650000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="179" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0010292741612380413">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                    </Node>
                                    <Node score="0.0031223796249680432">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="180" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001961358809239937">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                    </Node>
                                    <Node score="-0.002571286166989115">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="181" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0010405519986242265">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node score="0.002516397303641736">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="182" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="0.0005698853856335272">
                                            <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="8.5000000000000018"/>
                                        </Node>
                                        <Node score="-0.0043606478919008445">
                                            <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="8.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.003861056896158556">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="183" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002005011398417645">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="19.9850000000000030"/>
                                    </Node>
                                    <Node score="-0.002420127650015094">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="19.9850000000000030"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="184" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004160363146893215">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                        <Node score="-0.00222710403686528">
                                            <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="0.0028362681904995912">
                                            <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="185" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0027943126443427157">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0012235661076689577">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="186" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.001769375966328929">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="20.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0020583534224673304">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="20.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="187" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0034772595755949874">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0006789894198254431">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="188" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004724945152816189">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.0013932646764623113">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="189" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0014700679899712602">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        <Node score="1.4412485125521491e-05">
                                            <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.005093781710434292">
                                            <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="190" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0006271093687637796">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="0.004327984902478807">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="191" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002049930548831882">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.0019320111190993458">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="192" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003507965279307532">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0006866165289639748">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="193" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0016992866772573753">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.0026449696688306476">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="194" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0022006387714982715">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0014679396763985285">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="195" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002207180059267908">
                                        <SimplePredicate field="loan_reject_rate_3m" operator="lessOrEqual" value="0.5751500000000002"/>
                                    </Node>
                                    <Node score="-0.0016298197135803535">
                                        <SimplePredicate field="loan_reject_rate_3m" operator="greaterThan" value="0.5751500000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="196" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                        <Node score="-3.4833749046257896e-06">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                        </Node>
                                        <Node score="-0.007226716605943694">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0029984889720055556">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="197" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0005764679561993634">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="0.0037301467021459552">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="198" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="last6average" usageType="active"/>
                                    <MiningField name="loannum" usageType="active"/>
                                    <MiningField name="sum_month3_new_loan" usageType="active"/>
                                    <MiningField name="sum_card_mob12_neverdur" usageType="active"/>
                                    <MiningField name="loan_reject_rate_3m" usageType="active"/>
                                    <MiningField name="cur_od_loan_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="setl_int_avg" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_m12" usageType="active"/>
                                    <MiningField name="max_od_days_m12" usageType="active"/>
                                    <MiningField name="all_repay_amount_m3_shd_amt_pc" usageType="active"/>
                                    <MiningField name="acc_ps_perd_no" usageType="active"/>
                                    <MiningField name="od_amt_m12_loan_os_prcp_m12_pc" usageType="active"/>
                                    <MiningField name="end_loan_to_cur_freq" usageType="active"/>
                                    <MiningField name="useratemore90monthsubcurmonth" usageType="active"/>
                                    <MiningField name="account_age_loan_day" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="repay_amount_m6_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="sum_orig_prcp" usageType="active"/>
                                    <MiningField name="m_c_over_due_cnt" usageType="active"/>
                                    <MiningField name="loan_os_prcp_orig_prcp_pc" usageType="active"/>
                                    <MiningField name="account_age" usageType="active"/>
                                    <MiningField name="setl_int_mon" usageType="active"/>
                                    <MiningField name="t_ps_od_days_max" usageType="active"/>
                                    <MiningField name="od_amt_m3_loan_os_prcp_m3_pc" usageType="active"/>
                                    <MiningField name="repay_amount_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="repay_amount_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node>
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        <Node score="-0.0036543694466990295">
                                            <SimplePredicate field="apply_amt_avg_m12" operator="lessOrEqual" value="14050.0000000000018190"/>
                                        </Node>
                                        <Node score="0.0019079488804761935">
                                            <SimplePredicate field="apply_amt_avg_m12" operator="greaterThan" value="14050.0000000000018190"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.00234103066068773">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                    </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>
