<?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 12:04:06.498463</Timestamp>
    </Header>
    <DataDictionary numberOfFields="40">
        <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="ps_od_norm_int_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="odgt0_m12_num" optype="continuous" dataType="double"/>
        <DataField name="apply_amt_avg_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="max_od_days_m12" optype="continuous" dataType="double"/>
        <DataField name="repay_amount_m12_all_shd_amt_pc" optype="continuous" dataType="double"/>
        <DataField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" optype="continuous" dataType="double"/>
        <DataField name="setl_prcp_mon_ratio" optype="continuous" dataType="double"/>
        <DataField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" optype="continuous" dataType="double"/>
        <DataField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" optype="continuous" dataType="double"/>
        <DataField name="useratemore90_m6_num" optype="continuous" dataType="double"/>
        <DataField name="orig_prcp_avg_m6" optype="continuous" dataType="double"/>
        <DataField name="apply_num_m6" optype="continuous" dataType="double"/>
        <DataField name="ovd_days_d30_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="ps_od_norm_int_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="odgt0_m12_num" usageType="active" optype="continuous"/>
            <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active" optype="continuous"/>
            <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active" optype="continuous"/>
            <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active" optype="continuous"/>
            <MiningField name="setl_prcp_mon_ratio" usageType="active" optype="continuous"/>
            <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active" optype="continuous"/>
            <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active" optype="continuous"/>
            <MiningField name="useratemore90_m6_num" usageType="active" optype="continuous"/>
            <MiningField name="orig_prcp_avg_m6" usageType="active" optype="continuous"/>
            <MiningField name="apply_num_m6" usageType="active" optype="continuous"/>
            <MiningField name="ovd_days_d30_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="ps_od_norm_int_amt" usageType="active"/>
                        <MiningField name="sum_apply_amt" usageType="active"/>
                        <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                        <MiningField name="odgt0_m12_num" usageType="active"/>
                        <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                        <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                        <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                        <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                        <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                        <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                        <MiningField name="useratemore90_m6_num" usageType="active"/>
                        <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                        <MiningField name="apply_num_m6" usageType="active"/>
                        <MiningField name="ovd_days_d30_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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="2.1681040950740953">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="2.159512908378524">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.010218926362699861">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.005051088430224489">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="9.551529106890254e-05">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.010205479829535314">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.003745746689593103">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="49.6500000000000128"/>
                                        </Node>
                                        <Node score="-0.00044673568709450724">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="49.6500000000000128"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009485965762738004">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0015862033059220303">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00985776671703242">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.0019848683769348543">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                        </Node>
                                        <Node score="0.003856015641722215">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00990455107143967">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.004531125539048951">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="7.607381491941221e-05">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009467934889622148">
                                        <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="0.004049361426001288">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="49.4950000000000117"/>
                                        </Node>
                                        <Node score="-0.0011290248558527085">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="49.4950000000000117"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00911247498725592">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0012024577767606529">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="9" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009822410777540381">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.004649672462891737">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="3.8590723520775384e-05">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009947003714762226">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0038176336659660596">
                                            <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="-0.000967574524871263">
                                            <SimplePredicate field="odgt0_m12_num" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009915932540106386">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0039725899354556065">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-2.3275206342754457e-05">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0095027173623422">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.0012524642690186717">
                                            <SimplePredicate field="ps_od_norm_int_amt" operator="lessOrEqual" value="10.0400000000000009"/>
                                        </Node>
                                        <Node score="0.004277426619002004">
                                            <SimplePredicate field="ps_od_norm_int_amt" operator="greaterThan" value="10.0400000000000009"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009550122321050522">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0043749002386034765">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0002256017946266424">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="14" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009072509740642793">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.00013059559410594782">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="15" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00929318734336548">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0043768631023268535">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0010505738709063077">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008735078300259956">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0008292961904216829">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008980117788097134">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0014119457936537549">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008785214271076843">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0007362489358763111">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009359810323038288">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.004024607057860009">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0005511917483081528">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009383222117531438">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.00191363731612757">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                        </Node>
                                        <Node score="0.00348955772338566">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009389563034612379">
                                        <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="-0.00018284460273600587">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="35.9450000000000074"/>
                                        </Node>
                                        <Node score="0.0037820635400175506">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="35.9450000000000074"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009372732071470116">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0038481972043444483">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-5.84409569127739e-05">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="23" weight="1">
                            <True/>
                            <TreeModel modelName="DecisionTreeModel" functionName="regression" missingValuePenalty="1.0" noTrueChildStrategy="returnLastPrediction">
                                <MiningSchema>
                                    <MiningField name="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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.009128378735605054">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.003950808614260937">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="25.0350000000000037"/>
                                        </Node>
                                        <Node score="-0.0012720944680621067">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="25.0350000000000037"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008958253445241664">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.003398657494325839">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.00010914793663018653">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008956681330888045">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.003802739545022334">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="5.888037211033585e-05">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00834836757462084">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0006949911150184605">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008886438350340734">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.0016687573408140043">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                        </Node>
                                        <Node score="0.002921372030067398">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00805854648022098">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.000259583011009704">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00848118621774973">
                                        <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="0.00267673165113528">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="49.4950000000000117"/>
                                        </Node>
                                        <Node score="-0.0022474826291859237">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="49.4950000000000117"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008656364485683863">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.0013625745312064138">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                        </Node>
                                        <Node score="0.0035271108260944784">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008822555922661948">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.003056296047650637">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0010042357093952743">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008345275490630494">
                                        <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="0.003506566117092067">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.00024788465194934084">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008486099101181104">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0026777440861230975">
                                            <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="6.5000000000000009"/>
                                        </Node>
                                        <Node score="-0.001909652879259898">
                                            <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="6.5000000000000009"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008253571756391933">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="0.0006230869497949353">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008116836477570118">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0007180407319771983">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00835781169433118">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0027197307018833427">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="49.4950000000000117"/>
                                        </Node>
                                        <Node score="-0.003737177899007028">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="49.4950000000000117"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008107956314528174">
                                        <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="0.0028182980531682726">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="49.4950000000000117"/>
                                        </Node>
                                        <Node score="-0.0022442333544236454">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="49.4950000000000117"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="38" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008456076188676474">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0035697477695772633">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="5.333755381508051e-05">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00846022660861397">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.0018099181059882431">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                        </Node>
                                        <Node score="0.0030434338235176724">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008279128087652488">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.0025623300324802054">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                        </Node>
                                        <Node score="0.002433240469223381">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007659464067043915">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0007737599757175663">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007673294941418899">
                                        <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="-0.0011731176574306093">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="44.6050000000000111"/>
                                        </Node>
                                        <Node score="0.004135347454272858">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="44.6050000000000111"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008228245513050484">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0033594854635578884">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0011311302057359968">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008199797687870726">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0034404633729047183">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.00027143473069590025">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008057822136202078">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.003226030712712564">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0011647651124256319">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00789106300153836">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.003044113087263246">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.001208866359277228">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007659391835771834">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="0.0011066908071435363">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007292087380036478">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0001500435877449467">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00813164483348163">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.0027276448783223623">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                        </Node>
                                        <Node score="0.0028492442330984528">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0072359114880343285">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="8.549745564727215e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007559375272336754">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="0.0005244978137266989">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007597241186118279">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.003074404999851886">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0009330811283930335">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.008110607073156325">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.0028195095161958937">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.7250000000000050"/>
                                        </Node>
                                        <Node score="0.002506565699407772">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.7250000000000050"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007470157552357725">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="0.0013719638781834677">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="55" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007307756649597238">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="0.0003374742213208761">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="56" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00808989467421839">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0029606835741428977">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.000986204739985084">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007601260223251186">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0014156895565423978">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0074155950681548816">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0027499302737433035">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.0011191311840615355">
                                            <SimplePredicate field="ovd_days_d30_num_m6" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0075992360735201445">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0009141500888368477">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007277525717918835">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0021789900683858603">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="49.4950000000000117"/>
                                        </Node>
                                        <Node score="-0.003139845405025087">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="49.4950000000000117"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007122962047637351">
                                        <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="0.003523874340093927">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="lessOrEqual" value="66.7950000000000159"/>
                                        </Node>
                                        <Node score="-0.0009743206808367446">
                                            <SimplePredicate field="all_repay_amount_m3_shd_amt_pc" operator="greaterThan" value="66.7950000000000159"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00720113892914118">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="-0.0027648300102363077">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.7250000000000050"/>
                                        </Node>
                                        <Node score="0.002070665396104801">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.7250000000000050"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007121518886602592">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="0.00035417797249734536">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006993043398322034">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.002150609106226214">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="49.4950000000000117"/>
                                        </Node>
                                        <Node score="-0.0032673729921579137">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="49.4950000000000117"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.007382506644876166">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0005952883236313915">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006912097291787492">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0007008088653366714">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="67" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0064618502042446055">
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                        <Node score="-0.0023563468061581945">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="44.6050000000000111"/>
                                        </Node>
                                        <Node score="0.0030552840456713596">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="44.6050000000000111"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.007804164879965313">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00033995876557604506">
                                            <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="0.0026479092482909325">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                        </Node>
                                        <Node score="-0.0016023847020233378">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0067786614168808485">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="0.0005454590915205096">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006687381962160135">
                                        <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="0.0018269179036859134">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.0037516537900337877">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006709186409237711">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0007380851843365841">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006537268570952319">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="0.00043918796151410885">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006533797989945996">
                                        <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="0.0022557771388971456">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="19.9850000000000030"/>
                                        </Node>
                                        <Node score="-0.00380785083696428">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="19.9850000000000030"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006314526764695674">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="4.88019427624459e-05">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.00049969804663129">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="11.5000000000000018"/>
                                        </Node>
                                        <Node score="0.007272888684851752">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="11.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0007610654784650419">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.0005589963982599737">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                        </Node>
                                        <Node score="0.0068024345978513765">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                        <Node score="0.0017310804713037533">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.003450556832430089">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00600177600280763">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="6.30227344231274e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006124861546136857">
                                        <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="-0.005349240697849498">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                        </Node>
                                        <Node score="0.0009875928136968857">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006485052853263447">
                                        <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="0.00222446525932416">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.004376391320333516">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006151941966186948">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="6.271941706088495e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.007335995494085926">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00031189861401651793">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.00045930982077470393">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.006998037448417248">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                        </Node>
                                        <Node score="0.00024466710885207173">
                                            <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="-0.0045138608615388">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                        </Node>
                                        <Node score="0.0018185496859672932">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006309955577262718">
                                        <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="-0.006580138644635231">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                        </Node>
                                        <Node score="0.0012258596299634715">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0061848046905097105">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        <Node score="0.0016132879577657037">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="49.4950000000000117"/>
                                        </Node>
                                        <Node score="-0.004309630237970604">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="49.4950000000000117"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005950241551110582">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0003269484564240656">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0061809910506337015">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="0.00016261339944556013">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006566731048309312">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0001161677171816779">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006182754511043134">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="3.5496183126100215e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005826802173511694">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="4.199933865683125e-05">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0058754243130513">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="4.330596906163303e-05">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006038647751542547">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0003153118033659225">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.006805640591692629">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00027315987640562107">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node score="3.4965445212728807e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005805069995233653">
                                        <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="0.002002477234957755">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="24.2450000000000010"/>
                                        </Node>
                                        <Node score="-0.003604333263025438">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="24.2450000000000010"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0059631932139356195">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.00025981835996365056">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005433935450627603">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="3.680548783068423e-05">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005707642751753807">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="4.165664486835034e-05">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005552701161819184">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="3.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.00010567291531716626">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0055122001282972705">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="4.124823250970605e-05">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.003138277375668302">
                                        <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="0.005633836735148291">
                                            <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="7.5000000000000009"/>
                                        </Node>
                                        <Node score="0.00025243734826931215">
                                            <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="7.5000000000000009"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.006315039910492842">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0005147981811362796">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00503931122500464">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="3.493554710846498e-05">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005407456250250218">
                                        <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="0.0019380264689328444">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                        </Node>
                                        <Node score="-0.004270860555118307">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.0003772685446291359">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                        </Node>
                                        <Node score="0.005210237188614866">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0011447660417443902">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0056047817188353884">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="3.1438101838341606e-05">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005124846541289599">
                                        <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="0.0014171457881673284">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="25.0350000000000037"/>
                                        </Node>
                                        <Node score="-0.00440443650089625">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="25.0350000000000037"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.006230591106649312">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.0002259318283163232">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node score="3.798116395685175e-05">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00524387265747633">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="3.830686779934898e-05">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005458843079519626">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="2.89857616817951e-05">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005277544489600402">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="3.603583105577732e-05">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.00625111529535433">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0178544665690918"/>
                                        </Node>
                                        <Node score="0.0001939904238498905">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0178544665690918"/>
                                        </Node>
                                    </Node>
                                    <Node score="3.52590772694899e-05">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.005556226102422099">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                        </Node>
                                        <Node score="0.00017172930755951846">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00018063624160389536">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005061861443796914">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="3.2879115766736266e-05">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00538025830870895">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="2.8127419686381832e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005113045377636038">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="3.412443160075459e-05">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005039244981689388">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="3.075736330056549e-05">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004873545313217599">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="3.367898481665688e-05">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005097506984839025">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="3.21650529459278e-05">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004877261780426024">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="3.222534768688305e-05">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005165511982570404">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="2.7614027231689668e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.005555246556707371">
                                            <SimplePredicate field="od_amt_m3_loan_os_prcp_m3_pc" operator="lessOrEqual" value="14.2950000000000017"/>
                                        </Node>
                                        <Node score="0.00020499046682413607">
                                            <SimplePredicate field="od_amt_m3_loan_os_prcp_m3_pc" operator="greaterThan" value="14.2950000000000017"/>
                                        </Node>
                                    </Node>
                                    <Node score="4.1969046639600064e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="3.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005019464018962894">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="2.543788964515229e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="9.62134029091195e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.006221966465317765">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node score="4.8516169323372564e-05">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.005516582888602221">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00020852149973157362">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node score="2.3388934050763557e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004620049873402868">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="3.0635884439036264e-05">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.00011191683467929343">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="13.5000000000000018"/>
                                        </Node>
                                        <Node>
                                            <SimplePredicate field="loannum" operator="greaterThan" value="13.5000000000000018"/>
                                            <Node score="0.0003754892869311254">
                                                <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="2050.0000000000004547"/>
                                            </Node>
                                            <Node score="0.005434872672237829">
                                                <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="2050.0000000000004547"/>
                                            </Node>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0008603108437900925">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0026865865305881094">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.004047124036404071">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.0004938144251230899">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.005932635126260331">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                        <Node score="-0.004113938499137664">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="33.2200000000000060"/>
                                        </Node>
                                        <Node score="0.0009885115552736746">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="33.2200000000000060"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.005326375518461531">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0087676583943993"/>
                                        </Node>
                                        <Node score="0.00010636070892692829">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0087676583943993"/>
                                        </Node>
                                    </Node>
                                    <Node score="2.5146614124835095e-05">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.005272211624997191">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                        </Node>
                                        <Node score="0.00019239468266862546">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                        </Node>
                                    </Node>
                                    <Node score="2.8647566488771567e-05">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004511337509055666">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-8.131646861579601e-05">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0047498106962033495">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="3.0287196966541875e-05">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0034987788007882765">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                    </Node>
                                    <Node score="-0.0007586530690346116">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00014952594479428845">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.005001540116685074">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004162100977634036">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="2.4191423368577754e-05">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0050673189610006475">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="8.741406754456349e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004050072208426586">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.0001270102090764523">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0027801706780285866">
                                        <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="0.004315218312233353">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0178544665690918"/>
                                        </Node>
                                        <Node score="0.0001016271267791941">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0178544665690918"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0047727490632737445">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.00024766929943633034">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0048284270539978935">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="2.3190499899420832e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="1.7654875712864498e-05">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.004365395389620664">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0042613333234927525">
                                        <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="0.004029674493705824">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                        </Node>
                                        <Node score="4.636226425255201e-05">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0043068838504696704">
                                        <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="0.0007745906095548974">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="25.0350000000000037"/>
                                        </Node>
                                        <Node score="-0.00477916343681465">
                                            <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="25.0350000000000037"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003907329785423379">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0004905135092216159">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004903255471844671">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="0.00010073567793895438">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.005197291966759393">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="8.708982808608913e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="146" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0030979492361711803">
                                        <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="4.966347646949923e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.004161118240364606">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="147" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.005080362603656285">
                                            <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                        </Node>
                                        <Node score="0.000579634403572264">
                                            <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0027614278640365254">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="148" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.004765700959162789">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0087676583943993"/>
                                        </Node>
                                        <Node score="9.333832132606204e-05">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0087676583943993"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0009729543969423397">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="149" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004232060514694311">
                                        <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="0.00029273139672831607">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.004634270519195878">
                                            <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004099408509591836">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="3.870609703884732e-06">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="8.143406653722864e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="20.5000000000000036"/>
                                        </Node>
                                        <Node score="0.004842481301469695">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="20.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0005981746846473853">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004127838459160032">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="2.390379877121127e-05">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="4.824457413109092e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="10050.0000000000018190"/>
                                        </Node>
                                        <Node score="0.005122108281895312">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="10050.0000000000018190"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.001087966860002932">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="154" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.00387330251391062">
                                        <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="-0.006318189388529789">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                        </Node>
                                        <Node score="-1.2691532958081683e-05">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003643984890367333">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0009590869478756271">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003408921128783991">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.00032853205246612913">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003951840896830317">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="2.1789349037777838e-05">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="4.978629235788489e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="10050.0000000000018190"/>
                                        </Node>
                                        <Node score="0.0051597999703333055">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="10050.0000000000018190"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0012599216248237793">
                                        <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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="-5.511942748572248e-05">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                        </Node>
                                        <Node score="0.004092035716866592">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        <Node score="-0.004146252700429023">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="52.9550000000000054"/>
                                        </Node>
                                        <Node score="0.0009611926488138789">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="52.9550000000000054"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="160" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="7.70189908485644e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.005262055306008447">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="1.1765182420935994e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="8.387543740289181e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="24.5000000000000036"/>
                                        </Node>
                                        <Node score="0.0052805969431415235">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="24.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-6.95409336517272e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="4.906581328627912e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="10050.0000000000018190"/>
                                        </Node>
                                        <Node score="0.005220858022882718">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="10050.0000000000018190"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0005208507762708346">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004027232502772896">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="9.040050916948504e-06">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004526049649301672">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="1.1044716273036293e-05">
                                        <SimplePredicate field="odgt0_m12_num" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.003730017980933642">
                                        <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="0.003655617909485655">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0048869623991535"/>
                                        </Node>
                                        <Node score="-0.00013561233945279076">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0048869623991535"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004305512031897798">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="8.327837154111563e-06">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0036035904685018196">
                                        <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="0.0035776691342353606">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                        </Node>
                                        <Node score="-0.0004870860610535389">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                        </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-8.281697413883955e-05">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                    </Node>
                                    <Node score="0.0034343238274632537">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0030824143026167146">
                                        <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="4.190552556351484e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.0036837114115652737">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0035842511306434536">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.00028236850987488295">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.000289094660617485">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                        </Node>
                                        <Node score="0.005124851286230993">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0009206546042327691">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.00459720085051251">
                                            <SimplePredicate field="loan_reject_rate_3m" operator="lessOrEqual" value="0.5751500000000002"/>
                                        </Node>
                                        <Node score="3.875608717441616e-05">
                                            <SimplePredicate field="loan_reject_rate_3m" operator="greaterThan" value="0.5751500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0014448866127503657">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="5.0650000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003619107221621762">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="1.4830524545926497e-05">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0027616535905434954">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                    </Node>
                                    <Node score="-0.0022127198950173677">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0034363777585639126">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0001298263125138467">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004028513519176954">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="7.4566484135969686e-06">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002810230241299621">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                    </Node>
                                    <Node score="-0.001593198072163002">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0029719298336533272">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.0014821059469690072">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="9.477988599547654e-06">
                                        <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0037839618603130887">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="7.746696933599749e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="13.5000000000000018"/>
                                        </Node>
                                        <Node score="0.00363330907639881">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="13.5000000000000018"/>
                                        </Node>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        <Node score="-0.0041130036064987215">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="52.9550000000000054"/>
                                        </Node>
                                        <Node score="0.0008155746236095025">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="52.9550000000000054"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003432520032274154">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0003469801288130445">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.004657435372000945">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0159664480178421"/>
                                        </Node>
                                        <Node score="0.00012111440424755515">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0159664480178421"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00024249652484623565">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="4.393440704637048e-05">
                                            <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                        </Node>
                                        <Node score="0.0038166113518112435">
                                            <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0019239066079920172">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="7.92442218721579e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="22.5000000000000036"/>
                                        </Node>
                                        <Node score="0.004810634316343919">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="22.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00011408005429473954">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0029436237275215446">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0013769429587022727">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-6.713054853162112e-05">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.003393121011767757">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0003052241493377547">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.003475114459363636">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.003834219151098316">
                                        <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="2.5173602360901614e-05">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="666.6950000000000500"/>
                                        </Node>
                                        <Node score="0.003892296732150912">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="666.6950000000000500"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00040921588323838384">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0030017743306615303">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002883223185415008">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0010691785786138659">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.004367471726608587">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="9.105573430809714e-06">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="6.431735577491295e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                        </Node>
                                        <Node score="0.004828911514200072">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0004277499746241032">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003174297445285296">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0007033741707296818">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="-0.00015764175316483804">
                                            <SimplePredicate field="ps_od_norm_int_amt" operator="lessOrEqual" value="17.9450000000000038"/>
                                        </Node>
                                        <Node score="0.0036031842174342158">
                                            <SimplePredicate field="ps_od_norm_int_amt" operator="greaterThan" value="17.9450000000000038"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0011328511346897995">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="-0.0021544366808243774">
                                            <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="0.0017649518398749678">
                                            <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.0036750840825503332">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002696902880228864">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0013741759077122754">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0033808750850993184">
                                        <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="0.002816428770228099">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0036870799109319"/>
                                        </Node>
                                        <Node score="-0.0003376885558138815">
                                            <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0036870799109319"/>
                                        </Node>
                                    </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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004352385925776617">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.0018033693270337991">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="199" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00023889479175782631">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                    </Node>
                                    <Node score="0.0031922587638285125">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="200" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="5.9049790178197515e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="24.5000000000000036"/>
                                        </Node>
                                        <Node score="0.004547668798388502">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="24.5000000000000036"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.000822883450078596">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="201" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0030401143715887997">
                                        <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="1.6710992916294623e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="32.5000000000000071"/>
                                        </Node>
                                        <Node score="0.0036956126482114303">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="32.5000000000000071"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="202" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00046147593215709894">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="20.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0026712642244521257">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="20.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="203" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002714643965489085">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0009117634056883385">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="204" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.003157318043257095">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.0009592279402580249">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="205" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0023479010355771284">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        <Node score="-0.004834026758439348">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="52.9550000000000054"/>
                                        </Node>
                                        <Node score="0.0005294421692592855">
                                            <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="52.9550000000000054"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="206" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002594065424127906">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0009428987555746328">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="207" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002878149469828589">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.000603255096532189">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="208" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002736814757245204">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0012193940718581017">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="209" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0036161594331312525">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.00023209322923565227">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="210" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.003390743336772666">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                    </Node>
                                    <Node score="0.0017226663621998121">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="211" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.0008636813785276366">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                        </Node>
                                        <Node score="-0.004037400326751176">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                        </Node>
                                    </Node>
                                    <Node score="0.003544613048516874">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="212" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="1.774539880270089e-05">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                        </Node>
                                        <Node score="0.003985073419859965">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.002889799713051602">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="213" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0023780645945615845">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.001277233987573765">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="214" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-6.686958570964796e-05">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="0.0037092208886456593">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="215" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0025884613179912386">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0008655629457202297">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="216" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.000984281748285797">
                                        <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="0.0039329700983967274">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="3.230252447222088e-05">
                                            <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="217" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0024529356235154006">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.0018809408744203122">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="218" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00030012700454079745">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.0032057165070992163">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="219" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0025218549838652185">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0009199502950857057">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="220" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.003567820598491562">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.00172578171893336">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="221" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0012039656807068513">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="20.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0023933996998726855">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="20.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="222" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0025120642889050705">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0014967157638686025">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="223" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002175369370051767">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.0009758321281447206">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="224" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0025601884950799386">
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node>
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                        <Node score="0.0002804821527873466">
                                            <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="0.0000000000000000"/>
                                        </Node>
                                        <Node score="-0.005005586770938052">
                                            <SimplePredicate field="setl_int_mon" operator="greaterThan" value="0.0000000000000000"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="225" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0033073143373721684">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.0018483461605382611">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="226" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="1.5453329664301932e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="32.5000000000000071"/>
                                        </Node>
                                        <Node score="0.0034237507004291593">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="32.5000000000000071"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.003082901295412937">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="227" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0024490714865113175">
                                        <SimplePredicate field="loan_reject_rate_3m" operator="lessOrEqual" value="0.5751500000000002"/>
                                    </Node>
                                    <Node score="-0.0011809605057315766">
                                        <SimplePredicate field="loan_reject_rate_3m" operator="greaterThan" value="0.5751500000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="228" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002816834953650543">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.0008820281504947651">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="229" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="2.968252391330142e-06">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="3568.5300000000002001"/>
                                    </Node>
                                    <Node score="0.00511283732686934">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="3568.5300000000002001"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="230" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-3.2670451721267566e-05">
                                        <SimplePredicate field="apply_amt_avg_m12" operator="lessOrEqual" value="10025.0000000000018190"/>
                                    </Node>
                                    <Node score="0.0033132618380803196">
                                        <SimplePredicate field="apply_amt_avg_m12" operator="greaterThan" value="10025.0000000000018190"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="231" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0025117416129014">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0013624784614879148">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="232" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001493898606721923">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                    </Node>
                                    <Node score="-0.0030320625040867522">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="233" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0006658071567681089">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.0028479630543375898">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="234" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002066859926865387">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0017363090598915593">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="235" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="0.0031063909136762498">
                                            <SimplePredicate field="loan_reject_rate_3m" operator="lessOrEqual" value="0.5751500000000002"/>
                                        </Node>
                                        <Node score="1.8788086894984555e-05">
                                            <SimplePredicate field="loan_reject_rate_3m" operator="greaterThan" value="0.5751500000000002"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0031395597508064987">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="236" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00048486164324200453">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                    </Node>
                                    <Node score="0.0025793457420008807">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="237" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0019186505438241153">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.0016164037997103491">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="238" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001893505703334723">
                                        <SimplePredicate field="loan_reject_rate_3m" operator="lessOrEqual" value="0.5751500000000002"/>
                                    </Node>
                                    <Node score="-0.0017772804540183553">
                                        <SimplePredicate field="loan_reject_rate_3m" operator="greaterThan" value="0.5751500000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="239" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0010297227627912864">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0023072794750422835">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="240" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0004450991014829567">
                                        <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.002902944971403772">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="241" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0029362940447333363">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0006408011995069328">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="242" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0016760509408254138">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0018057640346475967">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="243" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0005839338952553764">
                                        <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0029407852762817275">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="244" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0017888812217756883">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                    </Node>
                                    <Node score="-0.002106817076964757">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="245" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0023074734622596563">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.0012723235677369515">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="246" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0018356431761212097">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                    </Node>
                                    <Node score="-0.001977989030543678">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="247" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0020576341638017586">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.001875283979406668">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="248" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001978467351386818">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0012865242960888093">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="249" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002413481480361433">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0007304349476832304">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="250" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0034740306254828846">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.0015425164476711298">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="251" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0023779349372501455">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0009163353646291716">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="252" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0016266239012142699">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0018856826514421538">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="253" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.001077778103624436">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="20.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0023715044690747773">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="20.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="254" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="1.9046811287847442e-05">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                        </Node>
                                        <Node score="0.0036335479633702508">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.0020871714695432798">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="5.0650000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="255" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0024899827297203605">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.001287657409622929">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="256" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00024328049033401416">
                                        <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.0032594535332558256">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="257" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0019666307730133907">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="5.0650000000000004"/>
                                    </Node>
                                    <Node score="-0.0018342403736883936">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="5.0650000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="258" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0011173221122152443">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0219180393781474"/>
                                    </Node>
                                    <Node score="-0.0036335301925981855">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0219180393781474"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="259" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="3.375644436783912e-05">
                                            <SimplePredicate field="loannum" operator="lessOrEqual" value="32.5000000000000071"/>
                                        </Node>
                                        <Node score="0.004213926307337503">
                                            <SimplePredicate field="loannum" operator="greaterThan" value="32.5000000000000071"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.001141327892190709">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="260" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0017722430027308177">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0017914639035685556">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="261" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0012211841983852398">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                    </Node>
                                    <Node score="0.0020664561793466833">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="262" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001722617000606858">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.0022893189402276226">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="263" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0018531501663412778">
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="-0.0016553197065127426">
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="264" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.001792588906215167">
                                        <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="7535.0000000000009095"/>
                                    </Node>
                                    <Node score="0.0017464980208352085">
                                        <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="7535.0000000000009095"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="265" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0018792182792725408">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.0022098421983724817">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="266" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0020292350952287306">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0018640551639334964">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="267" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0020143534158430718">
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="-0.001463160345932298">
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="268" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0018745804089353988">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0017624512746297267">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="269" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.001323537896201434">
                                        <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="0.004616822480293622">
                                            <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="29.2850000000000037"/>
                                        </Node>
                                        <Node score="3.294951503270198e-05">
                                            <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="29.2850000000000037"/>
                                        </Node>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="270" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004332003546150881">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="9.3450000000000006"/>
                                    </Node>
                                    <Node score="0.00100816038460495">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="9.3450000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="271" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0014648598752525076">
                                        <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="10050.0000000000018190"/>
                                    </Node>
                                    <Node score="0.002095087984205273">
                                        <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="10050.0000000000018190"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="272" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.001607666349845241">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="20.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0017729629311782184">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="20.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="273" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0014252485582611015">
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="-0.002106783721559226">
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="274" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0022019344449272027">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="20.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0013779410675743458">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="20.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="275" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0006087147041022094">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="0.0033912926140951">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="276" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.004157028309894366">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.0008879053573453941">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="277" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0029531123150059774">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0005073391211177696">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="278" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0028123688252899757">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="lessOrEqual" value="38.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.0011634077419540342">
                                        <SimplePredicate field="odgt0_m12_mob_pc" operator="greaterThan" value="38.4950000000000117"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="279" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0008266977888177134">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                    </Node>
                                    <Node score="0.0028508074518450773">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="280" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0015762843618565725">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                    </Node>
                                    <Node score="0.0018977663199223741">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="281" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0029449638426488653">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0008663744116510847">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="282" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0016120645081319862">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.002202823906345203">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="283" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0013031667797280826">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node score="0.001943572586991127">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="284" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002213451588175735">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="-0.0011449938092592462">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="285" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0016316200356391313">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="666.6950000000000500"/>
                                    </Node>
                                    <Node score="0.0018806944788271006">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="666.6950000000000500"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="286" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.001362682049914297">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.002087706260787706">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="287" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0031266005065287423">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0006998487375976028">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="288" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.003652849741115858">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.0015715869964147142">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="289" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001152280134353351">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                    </Node>
                                    <Node score="-0.003549523024654593">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="290" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0019656552275460946">
                                        <SimplePredicate field="loan_reject_rate_3m" operator="lessOrEqual" value="0.5751500000000002"/>
                                    </Node>
                                    <Node score="-0.001977132768342441">
                                        <SimplePredicate field="loan_reject_rate_3m" operator="greaterThan" value="0.5751500000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="291" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0013219544262722306">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="20.3000000000000007"/>
                                    </Node>
                                    <Node score="-0.0034433591242820716">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="20.3000000000000007"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="292" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0030664247762388673">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0006965566348092667">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="293" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0017421045754730015">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.001728216321271006">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="294" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001651687240505179">
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="-0.0018567697647098433">
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="295" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001462800438289854">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0022190845105972056">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="296" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.001912760060538087">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node score="0.001870085217049528">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="297" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.001784794276550789">
                                        <SimplePredicate field="sum_orig_prcp" operator="lessOrEqual" value="10050.0000000000018190"/>
                                    </Node>
                                    <Node score="0.0018549242776816947">
                                        <SimplePredicate field="sum_orig_prcp" operator="greaterThan" value="10050.0000000000018190"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="298" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0012647690190672207">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                    </Node>
                                    <Node score="0.0022667559930919456">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="299" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0011132043198448399">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                    </Node>
                                    <Node score="0.002254342406500021">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="300" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0013519832708530214">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="767.4000000000000909"/>
                                    </Node>
                                    <Node score="0.0023146050959634446">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="767.4000000000000909"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="301" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0012949675509834528">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.0022927639798482535">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="302" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0011572725963525613">
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="-0.0025223760179586834">
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="303" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00043141535015095775">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="0.0038660845800106824">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="304" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0017657827125911896">
                                        <SimplePredicate field="acc_ps_perd_no" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="-0.0016258570057530767">
                                        <SimplePredicate field="acc_ps_perd_no" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="305" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0017665645260701347">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.0017826170161895033">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="306" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0014032500815447898">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                    </Node>
                                    <Node score="-0.002802088654676993">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="307" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0014994710222919142">
                                        <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.002755228269869926">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="308" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001728955647244029">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="-0.0019894694342321322">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="309" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001764270635739664">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.002000434624169756">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="310" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0040480382151283825">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="16.6500000000000021"/>
                                    </Node>
                                    <Node score="0.0009049048785420569">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="16.6500000000000021"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="311" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_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="2.545486223009887e-05">
                                            <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="666.6950000000000500"/>
                                        </Node>
                                        <Node score="0.003994039055844953">
                                            <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="666.6950000000000500"/>
                                        </Node>
                                    </Node>
                                    <Node score="-0.00223178902364698">
                                        <SimplePredicate field="ovd_days_d30_num_m6" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="312" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0014977459537604905">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.002254456767031732">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="313" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0011751444589061355">
                                        <SimplePredicate field="sum_month3_new_loan" operator="lessOrEqual" value="2.5000000000000004"/>
                                    </Node>
                                    <Node score="0.002470934528670211">
                                        <SimplePredicate field="sum_month3_new_loan" operator="greaterThan" value="2.5000000000000004"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="314" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0005714611138148528">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="0.003224561042019802">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="315" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.001749801929732662">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="26.5000000000000036"/>
                                    </Node>
                                    <Node score="0.0017625356410641594">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="26.5000000000000036"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="316" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0012774828654462244">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                    </Node>
                                    <Node score="0.002106448985538274">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="317" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0020438913826055136">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0012329955939787646">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="318" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0008246558638289125">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="lessOrEqual" value="6.5000000000000009"/>
                                    </Node>
                                    <Node score="0.0032486800952660918">
                                        <SimplePredicate field="sum_card_mob12_neverdur" operator="greaterThan" value="6.5000000000000009"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="319" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0012920099083537592">
                                        <SimplePredicate field="cur_od_loan_amt" operator="lessOrEqual" value="912.7800000000000864"/>
                                    </Node>
                                    <Node score="0.0023577983153810988">
                                        <SimplePredicate field="cur_od_loan_amt" operator="greaterThan" value="912.7800000000000864"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="320" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.002852039145952483">
                                        <SimplePredicate field="odgt0_m12_num" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0008975205983196339">
                                        <SimplePredicate field="odgt0_m12_num" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="321" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001021327898023632">
                                        <SimplePredicate field="setl_int_mon" operator="lessOrEqual" value="3.2000000000000006"/>
                                    </Node>
                                    <Node score="-0.002698827075581757">
                                        <SimplePredicate field="setl_int_mon" operator="greaterThan" value="3.2000000000000006"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="322" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0012759104870493044">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="lessOrEqual" value="0.0198892350877650"/>
                                    </Node>
                                    <Node score="-0.003156568004088543">
                                        <SimplePredicate field="setl_prcp_mon_ratio" operator="greaterThan" value="0.0198892350877650"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="323" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.00099754582092661">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="lessOrEqual" value="57.8000000000000043"/>
                                    </Node>
                                    <Node score="0.0026235772146345564">
                                        <SimplePredicate field="loan_os_prcp_orig_prcp_pc" operator="greaterThan" value="57.8000000000000043"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="324" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.001778013695713935">
                                        <SimplePredicate field="loan_reject_rate_3m" operator="lessOrEqual" value="0.5751500000000002"/>
                                    </Node>
                                    <Node score="-0.001509877013139084">
                                        <SimplePredicate field="loan_reject_rate_3m" operator="greaterThan" value="0.5751500000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="325" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0014330379566253962">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="lessOrEqual" value="0.0000000000000000"/>
                                    </Node>
                                    <Node score="0.0020505065931813804">
                                        <SimplePredicate field="tothismonthodcontiaddnumm12" operator="greaterThan" value="0.0000000000000000"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="326" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0018717431573107557">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="lessOrEqual" value="1.5000000000000002"/>
                                    </Node>
                                    <Node score="-0.0014709015770163654">
                                        <SimplePredicate field="m_c_over_due_cnt" operator="greaterThan" value="1.5000000000000002"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="327" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="-0.0016956201386492003">
                                        <SimplePredicate field="loannum" operator="lessOrEqual" value="32.5000000000000071"/>
                                    </Node>
                                    <Node score="0.002181117437219443">
                                        <SimplePredicate field="loannum" operator="greaterThan" value="32.5000000000000071"/>
                                    </Node>
                                </Node>
                            </TreeModel>
                        </Segment>
                        <Segment id="328" 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="ps_od_norm_int_amt" usageType="active"/>
                                    <MiningField name="sum_apply_amt" usageType="active"/>
                                    <MiningField name="odgt0_m12_mob_pc" usageType="active"/>
                                    <MiningField name="odgt0_m12_num" usageType="active"/>
                                    <MiningField name="apply_amt_avg_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="max_od_days_m12" usageType="active"/>
                                    <MiningField name="repay_amount_m12_all_shd_amt_pc" usageType="active"/>
                                    <MiningField name="account_age_loan_day" 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="repay_amount_all_shd_amt_pc" 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="nosvaing_bank_cnt_1m" usageType="active"/>
                                    <MiningField name="setl_prcp_mon_ratio" usageType="active"/>
                                    <MiningField name="max_setl_rem_prcp_paym_m3_last_month_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="setl_rem_prcp_paym_m3_loan_os_prcp_pc" usageType="active"/>
                                    <MiningField name="useratemore90_m6_num" usageType="active"/>
                                    <MiningField name="orig_prcp_avg_m6" usageType="active"/>
                                    <MiningField name="apply_num_m6" usageType="active"/>
                                    <MiningField name="ovd_days_d30_num_m6" usageType="active"/>
                                    <MiningField name="odduecontireducenumm12" usageType="active"/>
                                    <MiningField name="tothismonthodcontiaddnumm12" usageType="active"/>
                                </MiningSchema>
                                <Node>
                                    <True/>
                                    <Node score="0.0007406208613726439">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="lessOrEqual" value="49.4950000000000117"/>
                                    </Node>
                                    <Node score="-0.004322669159901022">
                                        <SimplePredicate field="repay_amount_last_month_loan_os_prcp_pc" operator="greaterThan" value="49.4950000000000117"/>
                                    </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>
