风控模型开发验证报告 — 20260908-112416-f3ea

00 模型概要信息

项目	内容
模型名称	exp_20260908-112416-f3ea
开发完成日期	2026-09-08
模型开发人员	（人工填写）
模型开发人员邮件地址	（人工填写）
模型验证人员	（人工填写）
模型验证人员邮件地址	（人工填写）
模型应用环节	preloan_approval
模型应用频率	（人工填写）
模型开发背景及业务用途描述	Local MVP full pipeline run.
模型适用产品/客户描述	（人工填写）
模型重开发原因（如有）	—
模型拟监控频率	（人工填写）
模型路线	XGBoost
目标变量	flag_30
实验 ID	20260908-112416-f3ea

待补充：模型开发/验证人员、应用频率、产品描述等字段需人工补填。

01 模型设计

建模数据样本窗口

项目	内容
切分方式	时间切分
开发样本(Train)窗口	1970-01-01 ~ 1970-01-01
预留验证样本(Val)窗口	1970-01-01 ~ 1970-01-01
跨时间验证样本(OOT)窗口	1970-01-01 ~ 1970-01-01

模型好坏定义

项目	内容
目标变量	flag_30
坏样本(BAD=1)占比	16.67%
好样本(BAD=0)占比	—
不确定样本	本流程要求目标变量已预计算为 0/1 二值，不确定样本请在上游合并口径

样本排除规则

序号	排除规则	说明
1	id_no	主键/时间/口径字段，不入模
2	apply_dt	主键/时间/口径字段，不入模
3	flag_30 为空	排除 0 行

滚动率分析

待补充：滚动率分析（M0→M6+ 状态迁移矩阵）需要逾期状态口径数据，当前流程目标变量为上游已计算的二值标签，暂未生成。

待补充：表现窗口及坏账率分析、模型细分定义需结合业务口径人工补充。

02 数据流

开发时点 — 样本排除

类别	样本数
全部样本	25986
排除：目标变量为空	0
排除后样本	25986

注：按照01模型设计的排除规则统计；当前流程的排除项为目标变量缺失。

开发时点 — 开发/预留验证拆分

类别	样本数	好样本	坏样本	坏样本率
开发样本	15591	12990	2601	16.68%
预留验证样本	5197	4558	639	12.30%

注：当前流程未做样本加权（权重均为1），如需坏样本加权需在上游扩展。

OOT 时点 / PSI 时点

类别	样本数	好样本	坏样本	坏样本率
跨时间验证样本(OOT)	5198	4106	1092	21.01%

03 单变量分析（细分箱）

risk_score — IV 0.0750，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	15038	13326	1712	11.38%	0.2187
2	(2.0, 3.0]	4851	3869	982	20.24%	-0.0696
3	(3.0, 4.0]	2864	2150	714	24.93%	-0.1049
4	(4.0, inf]	3144	2247	897	28.53%	-0.1593

model_risk_v9_stongyong_score — IV 0.0500，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 33.0]	2701	2556	145	5.37%	0.1477
2	(33.0, 43.0]	5327	4782	545	10.23%	0.1414
3	(43.0, 46.0]	2442	2124	318	13.02%	0.0420
4	(46.0, 52.0]	5213	4354	859	16.48%	0.0032
5	(52.0, 59.0]	5299	4185	1114	21.02%	-0.0895
6	(59.0, 64.0]	2565	1940	625	24.37%	-0.0898
7	(64.0, inf]	2273	1585	688	30.27%	-0.1406

ScoreCust2 — IV 0.0488，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 572.0]	2606	1871	735	28.20%	-0.1328
2	(572.0, 619.0]	2598	1932	666	25.64%	-0.1040
3	(619.0, 728.0]	7858	6290	1568	19.95%	-0.0867
4	(728.0, 789.0]	5169	4389	780	15.09%	0.0327
5	(789.0, 825.0]	2614	2344	270	10.33%	0.0785
6	(825.0, 875.0]	2543	2348	195	7.67%	0.1100
7	(875.0, inf]	2598	2481	117	4.50%	0.1537

ScoreCust1 — IV 0.0479，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 598.0]	2620	1884	736	28.09%	-0.1322
2	(598.0, 680.0]	5188	3987	1201	23.15%	-0.1277
3	(680.0, 737.0]	5207	4211	996	19.13%	-0.0499
4	(737.0, 765.0]	2617	2217	400	15.28%	0.0168
5	(765.0, 824.0]	5205	4551	654	12.56%	0.0870
6	(824.0, 868.0]	2590	2384	206	7.95%	0.1081
7	(868.0, inf]	2559	2421	138	5.39%	0.1400

model_risk_v9_sxiaojin_score — IV 0.0456，8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 33.0]	2871	2710	161	5.61%	0.1523
2	(33.0, 38.0]	2584	2341	243	9.40%	0.0896
3	(38.0, 44.0]	5151	4500	651	12.64%	0.0845
4	(44.0, 49.0]	5042	4249	793	15.73%	0.0184
5	(49.0, 52.0]	2804	2262	542	19.33%	-0.0343
6	(52.0, 55.0]	2295	1784	511	22.27%	-0.0601
7	(55.0, 60.0]	2788	2094	694	24.89%	-0.1023
8	(60.0, inf]	2285	1586	699	30.59%	-0.1444

score_50021 — IV 0.0431，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.0059]	2580	2427	153	5.93%	0.1364
2	(0.0059, 0.0084]	2541	2298	243	9.56%	0.0875
3	(0.0084, 0.0131]	5080	4425	655	12.89%	0.0792
4	(0.0131, 0.0155]	2543	2162	381	14.98%	0.0201
5	(0.0155, 0.0216]	5129	4208	921	17.96%	-0.0270
6	(0.0216, 0.0343]	5029	3869	1160	23.07%	-0.1259
7	(0.0343, inf]	2532	1812	720	28.44%	-0.1350

cust_seg2 — IV 0.0419，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 3.0]	19324	16620	2704	13.99%	0.1183
2	(3.0, inf]	6573	4972	1601	24.36%	-0.1773

score92663 — IV 0.0409，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 35.11734]	2582	2443	139	5.38%	0.1419
2	(35.11734, 40.26888]	2581	2343	238	9.22%	0.0919
3	(40.26888, 47.5934]	5162	4485	677	13.12%	0.0743
4	(47.5934, 54.22114]	5163	4300	863	16.72%	-0.0017
5	(54.22114, 57.44614]	2581	2083	498	19.29%	-0.0317
6	(57.44614, 65.67133999999999]	5162	4002	1160	22.47%	-0.1158
7	(65.67133999999999, inf]	2582	1864	718	27.81%	-0.1288

risk_v8_slowirr — IV 0.0404，8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 23.0]	2821	2676	145	5.14%	0.1567
2	(23.0, 31.0]	2641	2389	252	9.54%	0.0895
3	(31.0, 43.0]	5313	4597	716	13.48%	0.0679
4	(43.0, 48.0]	2430	2035	395	16.26%	0.0043
5	(48.0, 59.0]	5283	4307	976	18.47%	-0.0381
6	(59.0, 64.0]	2274	1799	475	20.89%	-0.0453
7	(64.0, 71.0]	2670	2030	640	23.97%	-0.0881
8	(71.0, inf]	2381	1687	694	29.15%	-0.1345

PY083P — IV 0.0393，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 574.0]	5200	3909	1291	24.83%	-0.1611
2	(574.0, 593.0]	2565	2019	546	21.29%	-0.0547
3	(593.0, 624.0]	5218	4297	921	17.65%	-0.0211
4	(624.0, 657.0]	5111	4337	774	15.14%	0.0306
5	(657.0, 719.0]	5187	4581	606	11.68%	0.1059
6	(719.0, inf]	2545	2389	156	6.13%	0.1303

repay_amt_6m_grade — IV 0.0392，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	14526	11537	2989	20.58%	-0.1438
2	(2.0, 3.0]	1280	1059	221	17.27%	-0.0042
3	(3.0, 5.0]	4463	3832	631	14.14%	0.0467
4	(5.0, 7.0]	3495	3172	323	9.24%	0.1178
5	(7.0, inf]	2133	1992	141	6.61%	0.1059

dxm_2025v2 — IV 0.0359，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 373.0]	2642	1926	716	27.10%	-0.1219
2	(373.0, 383.0]	2859	2177	682	23.85%	-0.0906
3	(383.0, 396.0]	5140	4109	1031	20.06%	-0.0677
4	(396.0, 407.0]	5097	4280	817	16.03%	0.0130
5	(407.0, 422.0]	5184	4480	704	13.58%	0.0648
6	(422.0, 437.0]	2572	2321	251	9.76%	0.0846
7	(437.0, inf]	2492	2362	130	5.22%	0.1390

model_1034467 — IV 0.0336，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.0712139]	2494	2344	150	6.01%	0.1332
2	(0.0712139, 0.0876564]	4988	4428	560	11.23%	0.1151
3	(0.0876564, 0.09498960000000001]	2494	2134	360	14.43%	0.0262
4	(0.09498960000000001, 0.10251299999999999]	2494	2061	433	17.36%	-0.0092
5	(0.10251299999999999, 0.1450796]	7482	6041	1441	19.26%	-0.0706
6	(0.1450796, 0.17618690000000004]	2494	1953	541	21.69%	-0.0602
7	(0.17618690000000004, inf]	2494	1841	653	26.18%	-0.1113

first_loan_length_grade — IV 0.0334，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 3.0]	3942	2990	952	24.15%	-0.1217
2	(3.0, 6.0]	5051	3997	1054	20.87%	-0.0836
3	(6.0, inf]	16904	14605	2299	13.60%	0.1290

avg_bal_6m_grade — IV 0.0328，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	12703	10084	2619	20.62%	-0.1367
2	(1.0, 3.0]	3378	2866	512	15.16%	0.0220
3	(3.0, 8.0]	7816	6843	973	12.45%	0.1178
4	(8.0, inf]	1998	1799	199	9.96%	0.0657

adr_stability_grade — IV 0.0326，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 3.0]	8116	6313	1803	22.22%	-0.1480
2	(3.0, 5.0]	2612	2120	492	18.84%	-0.0266
3	(5.0, 7.0]	6478	5448	1030	15.90%	0.0175
4	(7.0, 9.0]	6360	5594	766	12.04%	0.1131
5	(9.0, inf]	2331	2117	214	9.18%	0.0843

bh_CO4001score — IV 0.0304，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 37.0]	3226	2996	230	7.13%	0.1434
2	(37.0, 40.0]	2742	2407	335	12.22%	0.0569
3	(40.0, 44.0]	5049	4320	729	14.44%	0.0456
4	(44.0, 50.0]	8255	6829	1426	17.27%	-0.0169
5	(50.0, 55.0]	4679	3598	1081	23.10%	-0.1180
6	(55.0, inf]	2032	1502	530	26.08%	-0.0890

tot_pay_amt_6m_grade — IV 0.0280，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	12494	9950	2544	20.36%	-0.1270
2	(2.0, 6.0]	9204	7931	1273	13.83%	0.0862
3	(6.0, inf]	4199	3711	488	11.62%	0.0911

zszs_xy_score — IV 0.0271，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 687.0]	2696	2006	690	25.59%	-0.1086
2	(687.0, 696.0]	2633	2042	591	22.45%	-0.0700
3	(696.0, 708.0]	5305	4331	974	18.36%	-0.0363
4	(708.0, 718.0]	4859	4085	774	15.93%	0.0138
5	(718.0, 731.0]	5176	4426	750	14.49%	0.0450
6	(731.0, inf]	4940	4462	478	9.68%	0.1466

positive_biz_cnt_1y_grade — IV 0.0253，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 4.0]	10798	8600	2198	20.36%	-0.1178
2	(4.0, inf]	15099	12992	2107	13.95%	0.1075

model_1034468 — IV 0.0227，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.073189]	2495	2338	157	6.29%	0.1296
2	(0.073189, 0.077564]	2493	2195	298	11.95%	0.0569
3	(0.077564, 0.099474]	7482	6327	1155	15.44%	0.0316
4	(0.099474, 0.124703]	4989	4096	893	17.90%	-0.0268
5	(0.124703, 0.17285130000000004]	4987	3971	1016	20.37%	-0.0761
6	(0.17285130000000004, inf]	2494	1875	619	24.82%	-0.0960

xmf_v11xj — IV 0.0177，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 390.0]	2656	2083	573	21.57%	-0.0596
2	(390.0, 414.0]	7663	6162	1501	19.59%	-0.0770
3	(414.0, 440.0]	7883	6522	1361	17.27%	-0.0167
4	(440.0, 469.0]	4934	4305	629	12.75%	0.0802
5	(469.0, inf]	2561	2346	215	8.40%	0.1023

repayment_ability_rank2 — IV 0.0167，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	9701	8422	1279	13.18%	0.1103
2	(2.0, 3.0]	9376	7724	1652	17.62%	-0.0299
3	(3.0, inf]	6820	5446	1374	20.15%	-0.0853

mobile_fixed_grade — IV 0.0129，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 5.0]	5979	4919	1060	17.73%	-0.0250
2	(5.0, 7.0]	8859	7122	1737	19.61%	-0.0850
3	(7.0, 8.0]	4651	3899	752	16.17%	0.0087
4	(8.0, 9.0]	4407	3857	550	12.48%	0.0779
5	(9.0, inf]	2001	1795	206	10.29%	0.0624

dev_stability_grade2 — IV 0.0129，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	13796	11801	1995	14.46%	0.0828
2	(2.0, 3.0]	6566	5405	1161	17.68%	-0.0255
3	(3.0, inf]	5535	4386	1149	20.76%	-0.0868

last_6m_avg_asset_total_grade — IV 0.0096，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	14672	11954	2718	18.53%	-0.0712
2	(2.0, 3.0]	5026	4220	806	16.04%	0.0119
3	(3.0, 6.0]	4507	3885	622	13.80%	0.0535
4	(6.0, inf]	1692	1533	159	9.40%	0.0615

BH_A342 — IV 0.0093，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 4.0]	18629	15796	2833	15.21%	0.0507
2	(4.0, inf]	4360	3444	916	21.01%	-0.0919

bh_a047 — IV 0.0092，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	18567	15743	2824	15.21%	0.0505
2	(2.0, inf]	4422	3497	925	20.92%	-0.0910

bh_a056 — IV 0.0083，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	18759	15893	2866	15.28%	0.0475
2	(1.0, inf]	4230	3347	883	20.87%	-0.0874

bh_a120 — IV 0.0082，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 8.0]	16625	14111	2514	15.12%	0.0523
2	(8.0, inf]	6364	5129	1235	19.41%	-0.0788

BH_A343 — IV 0.0082，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 4.0]	16898	14345	2553	15.11%	0.0533
2	(4.0, 6.0]	1842	1519	323	17.54%	-0.0124
3	(6.0, inf]	4249	3376	873	20.55%	-0.0816

bh_a119 — IV 0.0081，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 4.0]	14933	12703	2230	14.93%	0.0580
2	(4.0, 8.0]	3752	3104	648	17.27%	-0.0173
3	(8.0, inf]	4304	3433	871	20.24%	-0.0764

bh_a129 — IV 0.0078，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 4.0]	17545	14874	2671	15.22%	0.0488
2	(4.0, inf]	5444	4366	1078	19.80%	-0.0801

BH_A356 — IV 0.0073，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 3.0]	12181	10395	1786	14.66%	0.0634
2	(3.0, 8.0]	6318	5228	1090	17.25%	-0.0243
3	(8.0, inf]	4490	3617	873	19.44%	-0.0632

bh_a220 — IV 0.0073，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 50.0]	11271	9626	1645	14.59%	0.0634
2	(50.0, 66.67]	5758	4784	974	16.92%	-0.0149
3	(66.67, inf]	5947	4820	1127	18.95%	-0.0647

BH_A353 — IV 0.0069，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	13955	11856	2099	15.04%	0.0518
2	(1.0, 3.0]	5594	4667	927	16.57%	-0.0063
3	(3.0, inf]	3440	2717	723	21.02%	-0.0774

bh_h001 — IV 0.0066，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	13792	11725	2067	14.99%	0.0537
2	(2.0, 3.0]	4633	3849	784	16.92%	-0.0129
3	(3.0, inf]	4571	3672	899	19.67%	-0.0684

bh_h004 — IV 0.0065，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.47]	16113	13677	2436	15.12%	0.0518
2	(2.47, 5.24]	4581	3773	808	17.64%	-0.0275
3	(5.24, inf]	2295	1790	505	22.00%	-0.0679

bh_h005 — IV 0.0063，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.84]	16107	13674	2433	15.11%	0.0523
2	(2.84, 5.95]	4584	3760	824	17.98%	-0.0344
3	(5.95, inf]	2298	1806	492	21.41%	-0.0610

score_dz — IV 0.0063，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 603.0]	9295	7604	1691	18.19%	-0.0605
2	(603.0, 722.0]	6897	5801	1096	15.89%	0.0115
3	(722.0, inf]	6804	5841	963	14.15%	0.0599

bh_a211 — IV 0.0062，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 20.0]	4597	3972	625	13.60%	0.0578
2	(20.0, 51.61]	6892	5830	1062	15.41%	0.0248
3	(51.61, inf]	11487	9428	2059	17.92%	-0.0582

BH_A355 — IV 0.0062，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	8153	6986	1167	14.31%	0.0619
2	(1.0, 4.0]	8038	6719	1319	16.41%	-0.0031
3	(4.0, inf]	6798	5535	1263	18.58%	-0.0606

BH_A354 — IV 0.0059，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	10738	9144	1594	14.84%	0.0527
2	(1.0, 3.0]	6324	5292	1032	16.32%	-0.0003
3	(3.0, inf]	5927	4804	1123	18.95%	-0.0644

BH_A344 — IV 0.0057，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 5.0]	14650	12435	2215	15.12%	0.0496
2	(5.0, 11.0]	4028	3336	692	17.18%	-0.0165
3	(11.0, inf]	4311	3469	842	19.53%	-0.0631

bh_a128 — IV 0.0057，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 4.0]	19109	16152	2957	15.47%	0.0386
2	(4.0, inf]	3880	3088	792	20.41%	-0.0740

bh_a104 — IV 0.0057，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	16641	14091	2550	15.32%	0.0433
2	(1.0, inf]	6348	5149	1199	18.89%	-0.0658

bh_a062 — IV 0.0055，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	18248	15430	2818	15.44%	0.0394
2	(1.0, inf]	4741	3810	931	19.64%	-0.0696

bh_a066 — IV 0.0054，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	10235	8733	1502	14.68%	0.0575
2	(1.0, 4.0]	3733	3042	691	18.51%	-0.0391
3	(4.0, 7.0]	2260	1908	352	15.58%	0.0088
4	(7.0, inf]	6761	5557	1204	17.81%	-0.0402

bh_a075 — IV 0.0054，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	13521	11478	2043	15.11%	0.0482
2	(1.0, inf]	9468	7762	1706	18.02%	-0.0556

bh_h007 — IV 0.0053，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.49]	6913	5924	989	14.31%	0.0561
2	(1.49, 4.955999999999985]	9179	7693	1486	16.19%	0.0039
3	(4.955999999999985, inf]	6897	5623	1274	18.47%	-0.0583

bh_h003 — IV 0.0052，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.67]	18415	15583	2832	15.38%	0.0425
2	(2.67, 4.162000000000007]	2275	1856	419	18.42%	-0.0253
3	(4.162000000000007, inf]	2299	1801	498	21.66%	-0.0640

bh_h002 — IV 0.0052，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.89]	16102	13634	2468	15.33%	0.0425
2	(0.89, 2.92]	4593	3820	773	16.83%	-0.0109
3	(2.92, inf]	2294	1786	508	22.14%	-0.0695

bh_a130 — IV 0.0050，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	9727	8298	1429	14.69%	0.0553
2	(2.0, 7.0]	8817	7341	1476	16.74%	-0.0137
3	(7.0, inf]	4445	3601	844	18.99%	-0.0538

bh_h163 — IV 0.0049，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 22.89]	18772	15859	2913	15.52%	0.0363
2	(22.89, inf]	4217	3381	836	19.82%	-0.0676

BH_A341 — IV 0.0048，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	18691	15790	2901	15.52%	0.0361
2	(2.0, inf]	4298	3450	848	19.73%	-0.0667

bh_a132 — IV 0.0048，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 5.0]	10333	8813	1520	14.71%	0.0565
2	(5.0, 22.0]	10523	8713	1810	17.20%	-0.0309
3	(22.0, inf]	2133	1714	419	19.64%	-0.0378

bh_a179 — IV 0.0046，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 15.38]	10477	8879	1598	15.25%	0.0487
2	(15.38, inf]	10247	8411	1836	17.92%	-0.0477

BH_A352 — IV 0.0046，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	18876	15964	2912	15.43%	0.0407
2	(2.0, 4.0]	2759	2235	524	18.99%	-0.0376
3	(4.0, inf]	1354	1041	313	23.12%	-0.0517

bh_a064 — IV 0.0046，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	14263	12086	2177	15.26%	0.0430
2	(1.0, inf]	8726	7154	1572	18.02%	-0.0530

bh_h006 — IV 0.0046，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.55]	9224	7851	1373	14.89%	0.0472
2	(1.55, 5.25]	9177	7684	1493	16.27%	0.0013
3	(5.25, inf]	4588	3705	883	19.25%	-0.0602

bh_a065 — IV 0.0044，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	11758	9993	1765	15.01%	0.0488
2	(1.0, 3.0]	3105	2536	569	18.33%	-0.0311
3	(3.0, 5.0]	2075	1750	325	15.66%	0.0072
4	(5.0, inf]	6051	4961	1090	18.01%	-0.0425

bh_a131 — IV 0.0044，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	6833	5852	981	14.36%	0.0543
2	(2.0, 8.0]	9729	8137	1592	16.36%	-0.0019
3	(8.0, inf]	6427	5251	1176	18.30%	-0.0514

BH_A346 — IV 0.0044，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 9.0]	12020	10207	1813	15.08%	0.0466
2	(9.0, inf]	10969	9033	1936	17.65%	-0.0473

bh_h160 — IV 0.0044，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 22.89]	12491	10601	1890	15.13%	0.0456
2	(22.89, inf]	10498	8639	1859	17.71%	-0.0482

bh_a063 — IV 0.0043，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	16966	14341	2625	15.47%	0.0370
2	(1.0, inf]	6023	4899	1124	18.66%	-0.0582

bh_a055 — IV 0.0042，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	20156	17003	3153	15.64%	0.0314
2	(1.0, inf]	2833	2237	596	21.04%	-0.0670

BH_A345 — IV 0.0042，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	7476	6391	1085	14.51%	0.0528
2	(2.0, 19.0]	10951	9146	1805	16.48%	-0.0062
3	(19.0, inf]	4562	3703	859	18.83%	-0.0516

bh_a121 — IV 0.0041，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 10.0]	14121	11968	2153	15.25%	0.0435
2	(10.0, 21.0]	4436	3677	759	17.11%	-0.0163
3	(21.0, inf]	4432	3595	837	18.89%	-0.0517

bh_a178 — IV 0.0041，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 12.5]	12483	10543	1940	15.54%	0.0412
2	(12.5, inf]	8241	6747	1494	18.13%	-0.0491

bh_a118 — IV 0.0040，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 4.0]	18476	15597	2879	15.58%	0.0331
2	(4.0, inf]	4513	3643	870	19.28%	-0.0601

bh_h013 — IV 0.0040，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.57]	7680	6460	1220	15.89%	0.0124
2	(1.57, 1.76]	4395	3765	630	14.33%	0.0405
3	(1.76, 3.15]	1925	1587	338	17.56%	-0.0131
4	(3.15, 5.22]	4419	3734	685	15.50%	0.0165
5	(5.22, inf]	4570	3694	876	19.17%	-0.0585

bh_a113 — IV 0.0040，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	19207	16207	3000	15.62%	0.0319
2	(1.0, inf]	3782	3033	749	19.80%	-0.0621

bh_a219 — IV 0.0039，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 50.0]	10650	9040	1610	15.12%	0.0459
2	(50.0, inf]	11679	9630	2049	17.54%	-0.0426

bh_qu010 — IV 0.0039，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 75.0]	12719	10767	1952	15.35%	0.0419
2	(75.0, 87.0]	4121	3418	703	17.06%	-0.0139
3	(87.0, inf]	4143	3361	782	18.88%	-0.0507

bh_a071 — IV 0.0037，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	20670	17424	3246	15.70%	0.0287
2	(1.0, inf]	2319	1816	503	21.69%	-0.0648

bh_a126 — IV 0.0037，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	18122	15306	2816	15.54%	0.0349
2	(1.0, 2.0]	2538	2094	444	17.49%	-0.0156
3	(2.0, inf]	2329	1840	489	21.00%	-0.0568

bh_a117 — IV 0.0035，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	16442	13901	2541	15.45%	0.0373
2	(1.0, 4.0]	4546	3761	785	17.27%	-0.0198
3	(4.0, inf]	2001	1578	423	21.14%	-0.0516

bh_a072 — IV 0.0035，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	19828	16717	3111	15.69%	0.0289
2	(1.0, inf]	3161	2523	638	20.18%	-0.0600

bh_a046 — IV 0.0033，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	18473	15592	2881	15.60%	0.0325
2	(1.0, 4.0]	2643	2184	459	17.37%	-0.0144
3	(4.0, inf]	1873	1464	409	21.84%	-0.0557

bh_a103 — IV 0.0033，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	18586	15676	2910	15.66%	0.0298
2	(1.0, inf]	4403	3564	839	19.06%	-0.0547

bh_a116 — IV 0.0032，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	19451	16398	3053	15.70%	0.0285
2	(1.0, inf]	3538	2842	696	19.67%	-0.0569

BH_A340 — IV 0.0032，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	19413	16377	3036	15.64%	0.0311
2	(1.0, 2.0]	1346	1101	245	18.20%	-0.0145
3	(2.0, inf]	2230	1762	468	20.99%	-0.0547

bh_a210 — IV 0.0032，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 20.0]	4675	4008	667	14.27%	0.0464
2	(20.0, 53.33]	6510	5468	1042	16.01%	0.0103
3	(53.33, inf]	11144	9194	1950	17.50%	-0.0400

bh_a160 — IV 0.0032，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 21.0]	8611	7069	1542	17.91%	-0.0431
2	(21.0, inf]	12473	10523	1950	15.63%	0.0369

bh_h011 — IV 0.0031，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.59]	18392	15523	2869	15.60%	0.0323
2	(2.59, 4.7]	2467	2033	434	17.59%	-0.0165
3	(4.7, inf]	2130	1684	446	20.94%	-0.0521

bh_h010 — IV 0.0031，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.21]	16838	14227	2611	15.51%	0.0353
2	(2.21, 4.58]	3911	3226	685	17.51%	-0.0223
3	(4.58, inf]	2240	1787	453	20.22%	-0.0461

bh_a177 — IV 0.0030，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 4.55]	12442	10491	1951	15.68%	0.0355
2	(4.55, inf]	8282	6799	1483	17.91%	-0.0423

bh_h159 — IV 0.0029，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 64.39]	14597	12336	2261	15.49%	0.0339
2	(64.39, inf]	8392	6904	1488	17.73%	-0.0434

BH_A285 — IV 0.0029，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	14628	12361	2267	15.50%	0.0336
2	(1.0, inf]	8361	6879	1482	17.73%	-0.0431

bh_h168 — IV 0.0029，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 35.67]	14899	12587	2312	15.52%	0.0330
2	(35.67, inf]	8090	6653	1437	17.76%	-0.0434

BH_A284 — IV 0.0028，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	16081	13584	2497	15.53%	0.0337
2	(1.0, 3.0]	3547	2936	611	17.23%	-0.0158
3	(3.0, inf]	3361	2720	641	19.07%	-0.0451

bh_a045 — IV 0.0028，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	21088	17757	3331	15.80%	0.0245
2	(2.0, inf]	1901	1483	418	21.99%	-0.0579

bh_a127 — IV 0.0028，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	18051	15233	2818	15.61%	0.0315
2	(2.0, 4.0]	3211	2647	564	17.56%	-0.0200
3	(4.0, inf]	1727	1360	367	21.25%	-0.0466

bh_h123 — IV 0.0028，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	16907	14264	2643	15.63%	0.0297
2	(2.0, inf]	6082	4976	1106	18.18%	-0.0468

bh_h167 — IV 0.0028，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 57.47]	11746	9947	1799	15.32%	0.0372
2	(57.47, inf]	11243	9293	1950	17.34%	-0.0371

BH_A351 — IV 0.0026，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	20831	17538	3293	15.81%	0.0238
2	(2.0, inf]	2158	1702	456	21.13%	-0.0548

BH_A286 — IV 0.0026，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	11681	9889	1792	15.34%	0.0361
2	(1.0, inf]	11308	9351	1957	17.31%	-0.0358

bh_a082 — IV 0.0025，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	19277	16250	3027	15.70%	0.0280
2	(2.0, 4.0]	1898	1561	337	17.76%	-0.0150
3	(4.0, inf]	1814	1429	385	21.22%	-0.0483

bh_a083 — IV 0.0025，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 4.0]	19283	16243	3040	15.77%	0.0251
2	(4.0, inf]	3706	2997	709	19.13%	-0.0496

bh_a081 — IV 0.0025，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	19238	16221	3017	15.68%	0.0290
2	(1.0, 3.0]	2094	1711	383	18.29%	-0.0222
3	(3.0, inf]	1657	1308	349	21.06%	-0.0433

注：统计全部候选变量的自动分箱明细（初分组），按 IV 降序展示前 100 个变量，共 681 个；完整数据见 feature_report.json。

04 单变量分析（粗分箱）

ScoreCust1 — 7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 598.0]	2620	1884	736	28.09%	-0.1322
2	(598.0, 680.0]	5188	3987	1201	23.15%	-0.1277
3	(680.0, 737.0]	5207	4211	996	19.13%	-0.0499
4	(737.0, 765.0]	2617	2217	400	15.28%	0.0168
5	(765.0, 824.0]	5205	4551	654	12.56%	0.0870
6	(824.0, 868.0]	2590	2384	206	7.95%	0.1081
7	(868.0, inf]	2559	2421	138	5.39%	0.1400

ScoreCust2 — 7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 572.0]	2606	1871	735	28.20%	-0.1328
2	(572.0, 619.0]	2598	1932	666	25.64%	-0.1040
3	(619.0, 728.0]	7858	6290	1568	19.95%	-0.0867
4	(728.0, 789.0]	5169	4389	780	15.09%	0.0327
5	(789.0, 825.0]	2614	2344	270	10.33%	0.0785
6	(825.0, 875.0]	2543	2348	195	7.67%	0.1100
7	(875.0, inf]	2598	2481	117	4.50%	0.1537

dxm_2025v2 — 7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 373.0]	2642	1926	716	27.10%	-0.1219
2	(373.0, 383.0]	2859	2177	682	23.85%	-0.0906
3	(383.0, 396.0]	5140	4109	1031	20.06%	-0.0677
4	(396.0, 407.0]	5097	4280	817	16.03%	0.0130
5	(407.0, 422.0]	5184	4480	704	13.58%	0.0648
6	(422.0, 437.0]	2572	2321	251	9.76%	0.0846
7	(437.0, inf]	2492	2362	130	5.22%	0.1390

score92663 — 7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 35.11734]	2582	2443	139	5.38%	0.1419
2	(35.11734, 40.26888]	2581	2343	238	9.22%	0.0919
3	(40.26888, 47.5934]	5162	4485	677	13.12%	0.0743
4	(47.5934, 54.22114]	5163	4300	863	16.72%	-0.0017
5	(54.22114, 57.44614]	2581	2083	498	19.29%	-0.0317
6	(57.44614, 65.67133999999999]	5162	4002	1160	22.47%	-0.1158
7	(65.67133999999999, inf]	2582	1864	718	27.81%	-0.1288

model_risk_v9_stongyong_score — 7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 33.0]	2701	2556	145	5.37%	0.1477
2	(33.0, 43.0]	5327	4782	545	10.23%	0.1414
3	(43.0, 46.0]	2442	2124	318	13.02%	0.0420
4	(46.0, 52.0]	5213	4354	859	16.48%	0.0032
5	(52.0, 59.0]	5299	4185	1114	21.02%	-0.0895
6	(59.0, 64.0]	2565	1940	625	24.37%	-0.0898
7	(64.0, inf]	2273	1585	688	30.27%	-0.1406

model_risk_v9_sxiaojin_score — 8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 33.0]	2871	2710	161	5.61%	0.1523
2	(33.0, 38.0]	2584	2341	243	9.40%	0.0896
3	(38.0, 44.0]	5151	4500	651	12.64%	0.0845
4	(44.0, 49.0]	5042	4249	793	15.73%	0.0184
5	(49.0, 52.0]	2804	2262	542	19.33%	-0.0343
6	(52.0, 55.0]	2295	1784	511	22.27%	-0.0601
7	(55.0, 60.0]	2788	2094	694	24.89%	-0.1023
8	(60.0, inf]	2285	1586	699	30.59%	-0.1444

model_1034467 — 7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.0712139]	2494	2344	150	6.01%	0.1332
2	(0.0712139, 0.0876564]	4988	4428	560	11.23%	0.1151
3	(0.0876564, 0.09498960000000001]	2494	2134	360	14.43%	0.0262
4	(0.09498960000000001, 0.10251299999999999]	2494	2061	433	17.36%	-0.0092
5	(0.10251299999999999, 0.1450796]	7482	6041	1441	19.26%	-0.0706
6	(0.1450796, 0.17618690000000004]	2494	1953	541	21.69%	-0.0602
7	(0.17618690000000004, inf]	2494	1841	653	26.18%	-0.1113

model_1034468 — 6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.073189]	2495	2338	157	6.29%	0.1296
2	(0.073189, 0.077564]	2493	2195	298	11.95%	0.0569
3	(0.077564, 0.099474]	7482	6327	1155	15.44%	0.0316
4	(0.099474, 0.124703]	4989	4096	893	17.90%	-0.0268
5	(0.124703, 0.17285130000000004]	4987	3971	1016	20.37%	-0.0761
6	(0.17285130000000004, inf]	2494	1875	619	24.82%	-0.0960

score_50021 — 7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.0059]	2580	2427	153	5.93%	0.1364
2	(0.0059, 0.0084]	2541	2298	243	9.56%	0.0875
3	(0.0084, 0.0131]	5080	4425	655	12.89%	0.0792
4	(0.0131, 0.0155]	2543	2162	381	14.98%	0.0201
5	(0.0155, 0.0216]	5129	4208	921	17.96%	-0.0270
6	(0.0216, 0.0343]	5029	3869	1160	23.07%	-0.1259
7	(0.0343, inf]	2532	1812	720	28.44%	-0.1350

zszs_xy_score — 6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 687.0]	2696	2006	690	25.59%	-0.1086
2	(687.0, 696.0]	2633	2042	591	22.45%	-0.0700
3	(696.0, 708.0]	5305	4331	974	18.36%	-0.0363
4	(708.0, 718.0]	4859	4085	774	15.93%	0.0138
5	(718.0, 731.0]	5176	4426	750	14.49%	0.0450
6	(731.0, inf]	4940	4462	478	9.68%	0.1466

xmf_v11xj — 5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 390.0]	2656	2083	573	21.57%	-0.0596
2	(390.0, 414.0]	7663	6162	1501	19.59%	-0.0770
3	(414.0, 440.0]	7883	6522	1361	17.27%	-0.0167
4	(440.0, 469.0]	4934	4305	629	12.75%	0.0802
5	(469.0, inf]	2561	2346	215	8.40%	0.1023

bh_CO4001score — 6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 37.0]	3226	2996	230	7.13%	0.1434
2	(37.0, 40.0]	2742	2407	335	12.22%	0.0569
3	(40.0, 44.0]	5049	4320	729	14.44%	0.0456
4	(44.0, 50.0]	8255	6829	1426	17.27%	-0.0169
5	(50.0, 55.0]	4679	3598	1081	23.10%	-0.1180
6	(55.0, inf]	2032	1502	530	26.08%	-0.0890

PY083P — 6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 574.0]	5200	3909	1291	24.83%	-0.1611
2	(574.0, 593.0]	2565	2019	546	21.29%	-0.0547
3	(593.0, 624.0]	5218	4297	921	17.65%	-0.0211
4	(624.0, 657.0]	5111	4337	774	15.14%	0.0306
5	(657.0, 719.0]	5187	4581	606	11.68%	0.1059
6	(719.0, inf]	2545	2389	156	6.13%	0.1303

risk_v8_slowirr — 8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 23.0]	2821	2676	145	5.14%	0.1567
2	(23.0, 31.0]	2641	2389	252	9.54%	0.0895
3	(31.0, 43.0]	5313	4597	716	13.48%	0.0679
4	(43.0, 48.0]	2430	2035	395	16.26%	0.0043
5	(48.0, 59.0]	5283	4307	976	18.47%	-0.0381
6	(59.0, 64.0]	2274	1799	475	20.89%	-0.0453
7	(64.0, 71.0]	2670	2030	640	23.97%	-0.0881
8	(71.0, inf]	2381	1687	694	29.15%	-0.1345

mobile_fixed_grade — 5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 5.0]	5979	4919	1060	17.73%	-0.0250
2	(5.0, 7.0]	8859	7122	1737	19.61%	-0.0850
3	(7.0, 8.0]	4651	3899	752	16.17%	0.0087
4	(8.0, 9.0]	4407	3857	550	12.48%	0.0779
5	(9.0, inf]	2001	1795	206	10.29%	0.0624

adr_stability_grade — 5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 3.0]	8116	6313	1803	22.22%	-0.1480
2	(3.0, 5.0]	2612	2120	492	18.84%	-0.0266
3	(5.0, 7.0]	6478	5448	1030	15.90%	0.0175
4	(7.0, 9.0]	6360	5594	766	12.04%	0.1131
5	(9.0, inf]	2331	2117	214	9.18%	0.0843

tot_pay_amt_6m_grade — 3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	12494	9950	2544	20.36%	-0.1270
2	(2.0, 6.0]	9204	7931	1273	13.83%	0.0862
3	(6.0, inf]	4199	3711	488	11.62%	0.0911

first_loan_length_grade — 3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 3.0]	3942	2990	952	24.15%	-0.1217
2	(3.0, 6.0]	5051	3997	1054	20.87%	-0.0836
3	(6.0, inf]	16904	14605	2299	13.60%	0.1290

avg_bal_6m_grade — 4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.0]	12703	10084	2619	20.62%	-0.1367
2	(1.0, 3.0]	3378	2866	512	15.16%	0.0220
3	(3.0, 8.0]	7816	6843	973	12.45%	0.1178
4	(8.0, inf]	1998	1799	199	9.96%	0.0657

repay_amt_6m_grade — 5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	14526	11537	2989	20.58%	-0.1438
2	(2.0, 3.0]	1280	1059	221	17.27%	-0.0042
3	(3.0, 5.0]	4463	3832	631	14.14%	0.0467
4	(5.0, 7.0]	3495	3172	323	9.24%	0.1178
5	(7.0, inf]	2133	1992	141	6.61%	0.1059

positive_biz_cnt_1y_grade — 2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 4.0]	10798	8600	2198	20.36%	-0.1178
2	(4.0, inf]	15099	12992	2107	13.95%	0.1075

risk_score — 4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	15038	13326	1712	11.38%	0.2187
2	(2.0, 3.0]	4851	3869	982	20.24%	-0.0696
3	(3.0, 4.0]	2864	2150	714	24.93%	-0.1049
4	(4.0, inf]	3144	2247	897	28.53%	-0.1593

cust_seg2 — 2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 3.0]	19324	16620	2704	13.99%	0.1183
2	(3.0, inf]	6573	4972	1601	24.36%	-0.1773

dev_stability_grade2 — 3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	13796	11801	1995	14.46%	0.0828
2	(2.0, 3.0]	6566	5405	1161	17.68%	-0.0255
3	(3.0, inf]	5535	4386	1149	20.76%	-0.0868

repayment_ability_rank2 — 3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.0]	9701	8422	1279	13.18%	0.1103
2	(2.0, 3.0]	9376	7724	1652	17.62%	-0.0299
3	(3.0, inf]	6820	5446	1374	20.15%	-0.0853

注：统计入模变量经合并调整后的最终分箱明细（开发样本口径）。当前流程细/粗分箱由同一自动分箱算法直接产出。

05 变量筛选

候选变量 682，通过分箱 681，入模 25（上限 30，IV 阈值 0.01）

变量名	是否入模	IV	缺失率<90%	IV≥阈值	缺失率	备注
risk_score	Y	0.0750	PASS	PASS	0.34%
model_risk_v9_stongyong_score	Y	0.0500	PASS	PASS	0.64%
ScoreCust2	Y	0.0488	PASS	PASS	0.00%
ScoreCust1	Y	0.0479	PASS	PASS	0.00%
model_risk_v9_sxiaojin_score	Y	0.0456	PASS	PASS	0.64%
score_50021	Y	0.0431	PASS	PASS	2.12%
cust_seg2	Y	0.0419	PASS	PASS	0.34%
score92663	Y	0.0409	PASS	PASS	0.67%
risk_v8_slowirr	Y	0.0404	PASS	PASS	0.67%
PY083P	Y	0.0393	PASS	PASS	0.62%
repay_amt_6m_grade	Y	0.0392	PASS	PASS	0.34%	WOE不单调
dxm_2025v2	Y	0.0359	PASS	PASS	0.00%
model_1034467	Y	0.0336	PASS	PASS	4.03%	WOE不单调
first_loan_length_grade	Y	0.0334	PASS	PASS	0.34%
avg_bal_6m_grade	Y	0.0328	PASS	PASS	0.35%	WOE不单调
adr_stability_grade	Y	0.0326	PASS	PASS	0.34%	WOE不单调
bh_CO4001score	Y	0.0304	PASS	PASS	0.01%	WOE不单调
tot_pay_amt_6m_grade	Y	0.0280	PASS	PASS	0.34%
zszs_xy_score	Y	0.0271	PASS	PASS	1.45%
positive_biz_cnt_1y_grade	Y	0.0253	PASS	PASS	0.34%
model_1034468	Y	0.0227	PASS	PASS	4.03%
xmf_v11xj	Y	0.0177	PASS	PASS	1.11%	WOE不单调
repayment_ability_rank2	Y	0.0167	PASS	PASS	0.34%
mobile_fixed_grade	Y	0.0129	PASS	PASS	0.34%	WOE不单调
dev_stability_grade2	Y	0.0129	PASS	PASS	0.34%
last_6m_avg_asset_total_grade	N	0.0096	PASS	FAIL	0.34%
BH_A342	N	0.0093	PASS	FAIL	11.53%
bh_a047	N	0.0092	PASS	FAIL	11.53%
bh_a056	N	0.0083	PASS	FAIL	11.53%
bh_a120	N	0.0082	PASS	FAIL	11.53%
BH_A343	N	0.0082	PASS	FAIL	11.53%
bh_a119	N	0.0081	PASS	FAIL	11.53%
bh_a129	N	0.0078	PASS	FAIL	11.53%
BH_A356	N	0.0073	PASS	FAIL	11.53%
bh_a220	N	0.0073	PASS	FAIL	11.58%
BH_A353	N	0.0069	PASS	FAIL	11.53%
bh_h001	N	0.0066	PASS	FAIL	11.51%
bh_h004	N	0.0065	PASS	FAIL	11.53%
bh_h005	N	0.0063	PASS	FAIL	11.53%
score_dz	N	0.0063	PASS	FAIL	11.51%
bh_a211	N	0.0062	PASS	FAIL	11.58%
BH_A355	N	0.0062	PASS	FAIL	11.53%
BH_A354	N	0.0059	PASS	FAIL	11.53%
BH_A344	N	0.0057	PASS	FAIL	11.53%
bh_a128	N	0.0057	PASS	FAIL	11.53%
bh_a104	N	0.0057	PASS	FAIL	11.53%
bh_a062	N	0.0055	PASS	FAIL	11.53%
bh_a066	N	0.0054	PASS	FAIL	11.53%	WOE不单调
bh_a075	N	0.0054	PASS	FAIL	11.53%
bh_h007	N	0.0053	PASS	FAIL	11.53%
bh_h003	N	0.0052	PASS	FAIL	11.53%
bh_h002	N	0.0052	PASS	FAIL	11.53%
bh_a130	N	0.0050	PASS	FAIL	11.53%
bh_h163	N	0.0049	PASS	FAIL	11.53%
BH_A341	N	0.0048	PASS	FAIL	11.53%
bh_a132	N	0.0048	PASS	FAIL	11.53%
bh_a179	N	0.0046	PASS	FAIL	20.25%
BH_A352	N	0.0046	PASS	FAIL	11.53%
bh_a064	N	0.0046	PASS	FAIL	11.53%
bh_h006	N	0.0046	PASS	FAIL	11.53%
bh_a065	N	0.0044	PASS	FAIL	11.53%	WOE不单调
bh_a131	N	0.0044	PASS	FAIL	11.53%
BH_A346	N	0.0044	PASS	FAIL	11.53%
bh_h160	N	0.0044	PASS	FAIL	11.53%
bh_a063	N	0.0043	PASS	FAIL	11.53%
bh_a055	N	0.0042	PASS	FAIL	11.53%
BH_A345	N	0.0042	PASS	FAIL	11.53%
bh_a121	N	0.0041	PASS	FAIL	11.53%
bh_a178	N	0.0041	PASS	FAIL	20.25%
bh_a118	N	0.0040	PASS	FAIL	11.53%
bh_h013	N	0.0040	PASS	FAIL	11.53%	WOE不单调
bh_a113	N	0.0040	PASS	FAIL	11.53%
bh_a219	N	0.0039	PASS	FAIL	14.07%
bh_qu010	N	0.0039	PASS	FAIL	19.25%
bh_a071	N	0.0037	PASS	FAIL	11.53%
bh_a126	N	0.0037	PASS	FAIL	11.53%
bh_a117	N	0.0035	PASS	FAIL	11.53%
bh_a072	N	0.0035	PASS	FAIL	11.53%
bh_a046	N	0.0033	PASS	FAIL	11.53%
bh_a103	N	0.0033	PASS	FAIL	11.53%
bh_a116	N	0.0032	PASS	FAIL	11.53%
BH_A340	N	0.0032	PASS	FAIL	11.53%
bh_a210	N	0.0032	PASS	FAIL	14.07%
bh_a160	N	0.0032	PASS	FAIL	18.86%
bh_h011	N	0.0031	PASS	FAIL	11.53%
bh_h010	N	0.0031	PASS	FAIL	11.53%
bh_a177	N	0.0030	PASS	FAIL	20.25%
bh_h159	N	0.0029	PASS	FAIL	11.53%
BH_A285	N	0.0029	PASS	FAIL	11.53%
bh_h168	N	0.0029	PASS	FAIL	11.53%
BH_A284	N	0.0028	PASS	FAIL	11.53%
bh_a045	N	0.0028	PASS	FAIL	11.53%
bh_a127	N	0.0028	PASS	FAIL	11.53%
bh_h123	N	0.0028	PASS	FAIL	11.53%
bh_h167	N	0.0028	PASS	FAIL	11.53%
BH_A351	N	0.0026	PASS	FAIL	11.53%
BH_A286	N	0.0026	PASS	FAIL	11.53%
bh_a082	N	0.0025	PASS	FAIL	11.53%
bh_a083	N	0.0025	PASS	FAIL	11.53%
bh_a081	N	0.0025	PASS	FAIL	11.53%
bh_h152	N	0.0025	PASS	FAIL	11.53%
BH_A381	N	0.0025	PASS	FAIL	11.53%
BH_A350	N	0.0025	PASS	FAIL	11.53%
bh_a006	N	0.0024	PASS	FAIL	11.53%
bh_a015	N	0.0023	PASS	FAIL	11.53%
bh_a123	N	0.0023	PASS	FAIL	11.53%
bh_a005	N	0.0022	PASS	FAIL	11.53%
bh_a061	N	0.0022	PASS	FAIL	11.53%	WOE不单调
bh_a073	N	0.0022	PASS	FAIL	11.53%
bh_h107	N	0.0022	PASS	FAIL	11.53%
bh_a054	N	0.0022	PASS	FAIL	11.53%
bh_a159	N	0.0021	PASS	FAIL	11.53%
BH_A382	N	0.0021	PASS	FAIL	11.53%
bh_a074	N	0.0021	PASS	FAIL	11.53%
BH_A390	N	0.0021	PASS	FAIL	11.53%
bh_a209	N	0.0021	PASS	FAIL	19.25%	WOE不单调
BH_A388	N	0.0020	PASS	FAIL	11.53%
bh_h151	N	0.0020	PASS	FAIL	11.53%
BH_A389	N	0.0020	PASS	FAIL	11.53%
bh_h012	N	0.0020	PASS	FAIL	11.53%
bh_a125	N	0.0020	PASS	FAIL	11.53%
bh_a044	N	0.0020	PASS	FAIL	11.53%
BH_A392	N	0.0020	PASS	FAIL	11.53%
BH_A339	N	0.0019	PASS	FAIL	11.53%
bh_h106	N	0.0019	PASS	FAIL	11.53%
bh_a199	N	0.0018	PASS	FAIL	20.25%
bh_h139	N	0.0018	PASS	FAIL	11.53%	WOE不单调
bh_a218	N	0.0018	PASS	FAIL	19.25%	WOE不单调
bh_h170	N	0.0018	PASS	FAIL	11.53%	WOE不单调
BH_A383	N	0.0018	PASS	FAIL	11.53%
BH_A297	N	0.0017	PASS	FAIL	11.53%
BH_A380	N	0.0017	PASS	FAIL	11.53%
BH_A391	N	0.0017	PASS	FAIL	11.53%
bh_a122	N	0.0017	PASS	FAIL	11.53%
bh_h171	N	0.0017	PASS	FAIL	11.53%
bh_a019	N	0.0017	PASS	FAIL	19.15%	WOE不单调
BH_A287	N	0.0017	PASS	FAIL	11.53%
bh_a017	N	0.0016	PASS	FAIL	11.53%
bh_a016	N	0.0016	PASS	FAIL	11.53%
bh_h122	N	0.0016	PASS	FAIL	11.53%
bh_a201	N	0.0015	PASS	FAIL	20.25%	WOE不单调
BH_A325	N	0.0015	PASS	FAIL	11.53%
BH_A324	N	0.0015	PASS	FAIL	11.53%
bh_a043	N	0.0015	PASS	FAIL	11.53%
bh_h169	N	0.0015	PASS	FAIL	11.53%
bh_a085	N	0.0015	PASS	FAIL	11.53%	WOE不单调
bh_a181	N	0.0014	PASS	FAIL	20.25%
bh_a101	N	0.0014	PASS	FAIL	11.53%
bh_h008	N	0.0014	PASS	FAIL	11.53%
BH_A282	N	0.0014	PASS	FAIL	11.53%
bh_a112	N	0.0013	PASS	FAIL	11.53%
bh_a007	N	0.0013	PASS	FAIL	11.53%
BH_A295	N	0.0013	PASS	FAIL	11.53%
bh_a180	N	0.0013	PASS	FAIL	20.25%
bh_h161	N	0.0013	PASS	FAIL	11.53%
bh_a053	N	0.0012	PASS	FAIL	11.53%
bh_a198	N	0.0012	PASS	FAIL	20.25%
bh_a070	N	0.0012	PASS	FAIL	11.53%
bh_a080	N	0.0011	PASS	FAIL	11.53%
bh_h009	N	0.0011	PASS	FAIL	11.53%
bh_h110	N	0.0011	PASS	FAIL	11.53%
bh_a018	N	0.0011	PASS	FAIL	11.53%	WOE不单调
bh_a003	N	0.0011	PASS	FAIL	11.53%
bh_h118	N	0.0011	PASS	FAIL	11.53%
bh_h100	N	0.0011	PASS	FAIL	11.53%
bh_h094	N	0.0011	PASS	FAIL	11.53%
bh_h130	N	0.0011	PASS	FAIL	11.53%
BH_A384	N	0.0011	PASS	FAIL	11.53%
bh_a014	N	0.0011	PASS	FAIL	11.53%
bh_h153	N	0.0010	PASS	FAIL	11.53%
bh_h132	N	0.0010	PASS	FAIL	11.53%
bh_h091	N	0.0010	PASS	FAIL	11.53%
BH_A349	N	0.0010	PASS	FAIL	11.53%
bh_a009	N	0.0010	PASS	FAIL	11.53%	WOE不单调
bh_h117	N	0.0010	PASS	FAIL	11.53%
BH_A326	N	0.0010	PASS	FAIL	11.53%
bh_a084	N	0.0009	PASS	FAIL	11.53%
bh_a115	N	0.0009	PASS	FAIL	11.53%
bh_h116	N	0.0009	PASS	FAIL	11.53%
bh_a060	N	0.0008	PASS	FAIL	11.53%
bh_h138	N	0.0008	PASS	FAIL	11.53%
BH_A283	N	0.0008	PASS	FAIL	11.53%
bh_h157	N	0.0008	PASS	FAIL	11.53%
bh_a013	N	0.0008	PASS	FAIL	11.53%
bh_a200	N	0.0008	PASS	FAIL	20.25%
BH_A323	N	0.0008	PASS	FAIL	11.53%
bh_h150	N	0.0008	PASS	FAIL	11.53%
bh_h090	N	0.0008	PASS	FAIL	11.53%
bh_h074	N	0.0007	PASS	FAIL	11.53%
BH_A269	N	0.0007	PASS	FAIL	11.53%
BH_A229	N	0.0007	PASS	FAIL	11.53%	WOE不单调
bh_h075	N	0.0007	PASS	FAIL	11.53%
bh_a079	N	0.0007	PASS	FAIL	11.53%
BH_A296	N	0.0007	PASS	FAIL	11.53%
BH_A230	N	0.0007	PASS	FAIL	11.53%	WOE不单调
bh_h162	N	0.0007	PASS	FAIL	11.53%	WOE不单调
BH_A366	N	0.0006	PASS	FAIL	11.53%
bh_h134	N	0.0006	PASS	FAIL	11.53%
bh_h102	N	0.0006	PASS	FAIL	11.53%
BH_A298	N	0.0006	PASS	FAIL	11.53%
bh_a012	N	0.0006	PASS	FAIL	11.53%
bh_h133	N	0.0006	PASS	FAIL	11.53%
bh_a052	N	0.0006	PASS	FAIL	11.53%
bh_h101	N	0.0006	PASS	FAIL	11.53%
bh_a111	N	0.0006	PASS	FAIL	11.53%
BH_A334	N	0.0006	PASS	FAIL	11.53%
bh_a004	N	0.0005	PASS	FAIL	11.53%
bh_h059	N	0.0005	PASS	FAIL	11.53%
BH_A387	N	0.0005	PASS	FAIL	11.53%
bh_h086	N	0.0005	PASS	FAIL	11.53%
bh_h111	N	0.0005	PASS	FAIL	11.53%
bh_h084	N	0.0005	PASS	FAIL	11.53%
BH_A333	N	0.0005	PASS	FAIL	11.53%
bh_h158	N	0.0005	PASS	FAIL	11.53%
bh_a002	N	0.0005	PASS	FAIL	11.53%
BH_A379	N	0.0005	PASS	FAIL	11.53%
bh_a150	N	0.0004	PASS	FAIL	11.53%
bh_h131	N	0.0004	PASS	FAIL	11.53%
BH_A281	N	0.0004	PASS	FAIL	11.53%
bh_a008	N	0.0004	PASS	FAIL	11.53%
BH_A294	N	0.0004	PASS	FAIL	11.53%
BH_A293	N	0.0004	PASS	FAIL	11.53%
BH_A268	N	0.0004	PASS	FAIL	11.53%
BH_A288	N	0.0004	PASS	FAIL	11.53%
BH_A322	N	0.0004	PASS	FAIL	11.53%
bh_a102	N	0.0003	PASS	FAIL	11.53%
BH_A292	N	0.0003	PASS	FAIL	11.53%
BH_A335	N	0.0003	PASS	FAIL	11.53%
bh_a124	N	0.0003	PASS	FAIL	11.53%
BH_A365	N	0.0003	PASS	FAIL	11.53%
BH_A277	N	0.0003	PASS	FAIL	11.53%
bh_h058	N	0.0003	PASS	FAIL	11.53%
bh_h154	N	0.0003	PASS	FAIL	11.53%
BH_A261	N	0.0003	PASS	FAIL	11.53%
bh_h165	N	0.0003	PASS	FAIL	11.53%
bh_h078	N	0.0003	PASS	FAIL	11.53%
BH_A376	N	0.0003	PASS	FAIL	11.53%
bh_a091	N	0.0003	PASS	FAIL	11.53%
BH_A378	N	0.0003	PASS	FAIL	11.53%
bh_a149	N	0.0002	PASS	FAIL	11.53%
BH_A332	N	0.0002	PASS	FAIL	11.53%
bh_h042	N	0.0002	PASS	FAIL	11.53%
BH_A306	N	0.0002	PASS	FAIL	11.53%
bh_h062	N	0.0002	PASS	FAIL	11.53%
bh_h095	N	0.0002	PASS	FAIL	11.53%
bh_a141	N	0.0002	PASS	FAIL	11.53%
bh_a202	N	0.0002	PASS	FAIL	20.25%
bh_a093	N	0.0002	PASS	FAIL	11.53%
BH_A267	N	0.0002	PASS	FAIL	11.53%
bh_a090	N	0.0002	PASS	FAIL	11.53%
BH_A327	N	0.0002	PASS	FAIL	11.53%
BH_A239	N	0.0002	PASS	FAIL	11.53%
bh_a137	N	0.0002	PASS	FAIL	11.53%
bh_a139	N	0.0002	PASS	FAIL	11.53%
bh_a094	N	0.0002	PASS	FAIL	11.53%
bh_h135	N	0.0002	PASS	FAIL	11.53%
BH_A305	N	0.0001	PASS	FAIL	11.53%
bh_h126	N	0.0001	PASS	FAIL	11.53%
BH_A307	N	0.0001	PASS	FAIL	11.53%
bh_h127	N	0.0001	PASS	FAIL	11.53%
BH_A308	N	0.0001	PASS	FAIL	11.53%
BH_A319	N	0.0001	PASS	FAIL	11.53%
BH_A331	N	0.0001	PASS	FAIL	11.53%
BH_A276	N	0.0001	PASS	FAIL	11.53%
bh_a138	N	0.0001	PASS	FAIL	11.53%
BH_A238	N	0.0001	PASS	FAIL	11.53%
BH_A240	N	0.0001	PASS	FAIL	11.53%
bh_h173	N	0.0001	PASS	FAIL	11.53%
BH_A227	N	0.0001	PASS	FAIL	11.53%
BH_A265	N	0.0001	PASS	FAIL	11.53%
BH_A251	N	0.0001	PASS	FAIL	11.53%
BH_A250	N	0.0001	PASS	FAIL	11.53%
BH_A275	N	0.0001	PASS	FAIL	11.53%
BH_A375	N	0.0001	PASS	FAIL	11.53%
BH_A237	N	0.0001	PASS	FAIL	11.53%
BH_A266	N	0.0001	PASS	FAIL	11.53%
BH_A225	N	0.0001	PASS	FAIL	11.53%
bh_h166	N	0.0001	PASS	FAIL	11.53%
BH_A226	N	0.0001	PASS	FAIL	11.53%
BH_A318	N	0.0001	PASS	FAIL	11.53%
bh_a011	N	0.0001	PASS	FAIL	11.53%
bh_h140	N	0.0001	PASS	FAIL	11.53%
BH_A236	N	0.0000	PASS	FAIL	11.53%
bh_a146	N	0.0000	PASS	FAIL	11.53%
bh_h137	N	0.0000	PASS	FAIL	11.53%
BH_A309	N	0.0000	PASS	FAIL	11.53%
bh_h108	N	0.0000	PASS	FAIL	11.53%
BH_A317	N	0.0000	PASS	FAIL	11.53%
bh_a140	N	0.0000	PASS	FAIL	11.53%
BH_A364	N	0.0000	PASS	FAIL	11.53%
bh_h124	N	0.0000	PASS	FAIL	11.53%
bh_a147	N	0.0000	PASS	FAIL	11.53%
bh_h136	N	0.0000	PASS	FAIL	11.53%
bh_h141	N	0.0000	PASS	FAIL	11.53%
BH_A228	N	0.0000	PASS	FAIL	11.53%
bh_a148	N	0.0000	PASS	FAIL	11.53%
bh_h046	N	0.0000	PASS	FAIL	11.53%
BH_A374	N	0.0000	PASS	FAIL	11.53%
BH_A373	N	0.0000	PASS	FAIL	11.53%
bh_a136	N	0.0000	PASS	FAIL	11.53%
bh_h063	N	0.0000	PASS	FAIL	11.53%
bh_h119	N	0.0000	PASS	FAIL	11.53%
bh_h125	N	0.0000	PASS	FAIL	11.53%
bh_a145	N	0.0000	PASS	FAIL	11.53%
BH_A235	N	0.0000	PASS	FAIL	11.53%
BH_A363	N	0.0000	PASS	FAIL	11.53%
data_flag	N	0.0000	PASS	FAIL	0.00%
bh_a001	N	0.0000	PASS	FAIL	11.53%
bh_a010	N	0.0000	PASS	FAIL	11.53%
bh_a020	N	0.0000	PASS	FAIL	11.53%
bh_a021	N	0.0000	PASS	FAIL	11.53%
bh_a022	N	0.0000	PASS	FAIL	11.53%
bh_a023	N	0.0000	PASS	FAIL	11.53%
bh_a024	N	0.0000	PASS	FAIL	11.53%
bh_a025	N	0.0000	PASS	FAIL	11.53%
bh_a026	N	0.0000	PASS	FAIL	11.53%
bh_a027	N	0.0000	PASS	FAIL	11.53%
bh_a028	N	0.0000	PASS	FAIL	11.53%
bh_a029	N	0.0000	PASS	FAIL	11.53%
bh_a030	N	0.0000	PASS	FAIL	11.53%
bh_a031	N	0.0000	PASS	FAIL	11.53%
bh_a032	N	0.0000	PASS	FAIL	11.53%
bh_a033	N	0.0000	PASS	FAIL	11.53%
bh_a034	N	0.0000	PASS	FAIL	11.53%
bh_a035	N	0.0000	PASS	FAIL	11.53%
bh_a036	N	0.0000	PASS	FAIL	11.53%
bh_a037	N	0.0000	PASS	FAIL	11.53%
bh_a039	N	0.0000	PASS	FAIL	11.53%
bh_a040	N	0.0000	PASS	FAIL	11.53%
bh_a041	N	0.0000	PASS	FAIL	11.53%
bh_a042	N	0.0000	PASS	FAIL	11.53%
bh_a048	N	0.0000	PASS	FAIL	11.53%
bh_a049	N	0.0000	PASS	FAIL	11.53%
bh_a050	N	0.0000	PASS	FAIL	11.53%
bh_a051	N	0.0000	PASS	FAIL	11.53%
bh_a058	N	0.0000	PASS	FAIL	11.53%
bh_a059	N	0.0000	PASS	FAIL	11.53%
bh_a067	N	0.0000	PASS	FAIL	11.53%
bh_a068	N	0.0000	PASS	FAIL	11.53%
bh_a069	N	0.0000	PASS	FAIL	11.53%
bh_a077	N	0.0000	PASS	FAIL	11.53%
bh_a078	N	0.0000	PASS	FAIL	11.53%
bh_a086	N	0.0000	PASS	FAIL	11.53%
bh_a087	N	0.0000	PASS	FAIL	11.53%
bh_a088	N	0.0000	PASS	FAIL	11.53%
bh_a089	N	0.0000	PASS	FAIL	11.53%
bh_a092	N	0.0000	PASS	FAIL	11.53%
bh_a096	N	0.0000	PASS	FAIL	11.53%
bh_a097	N	0.0000	PASS	FAIL	11.53%
bh_a098	N	0.0000	PASS	FAIL	11.53%
bh_a099	N	0.0000	PASS	FAIL	11.53%
bh_a100	N	0.0000	PASS	FAIL	11.53%
bh_a105	N	0.0000	PASS	FAIL	11.53%
bh_a106	N	0.0000	PASS	FAIL	11.53%
bh_a107	N	0.0000	PASS	FAIL	11.53%
bh_a108	N	0.0000	PASS	FAIL	11.53%
bh_a109	N	0.0000	PASS	FAIL	11.53%
bh_a110	N	0.0000	PASS	FAIL	11.53%
bh_a133	N	0.0000	PASS	FAIL	11.53%
bh_a134	N	0.0000	PASS	FAIL	11.53%
bh_a135	N	0.0000	PASS	FAIL	11.53%
bh_a142	N	0.0000	PASS	FAIL	11.53%
bh_a143	N	0.0000	PASS	FAIL	11.53%
bh_a144	N	0.0000	PASS	FAIL	11.53%
bh_h014	N	0.0000	PASS	FAIL	11.53%
bh_h015	N	0.0000	PASS	FAIL	11.53%
bh_h016	N	0.0000	PASS	FAIL	11.53%
bh_h017	N	0.0000	PASS	FAIL	11.53%
bh_h018	N	0.0000	PASS	FAIL	11.53%
bh_h019	N	0.0000	PASS	FAIL	11.53%
bh_h020	N	0.0000	PASS	FAIL	11.53%
bh_h021	N	0.0000	PASS	FAIL	11.53%
bh_h022	N	0.0000	PASS	FAIL	11.53%
bh_h023	N	0.0000	PASS	FAIL	11.53%
bh_h024	N	0.0000	PASS	FAIL	11.53%
bh_h025	N	0.0000	PASS	FAIL	11.53%
bh_h026	N	0.0000	PASS	FAIL	11.53%
bh_h027	N	0.0000	PASS	FAIL	11.53%
bh_h028	N	0.0000	PASS	FAIL	11.53%
bh_h029	N	0.0000	PASS	FAIL	11.53%
bh_h030	N	0.0000	PASS	FAIL	11.53%
bh_h031	N	0.0000	PASS	FAIL	11.53%
bh_h032	N	0.0000	PASS	FAIL	11.53%
bh_h033	N	0.0000	PASS	FAIL	11.53%
bh_h034	N	0.0000	PASS	FAIL	11.53%
bh_h035	N	0.0000	PASS	FAIL	11.53%
bh_h036	N	0.0000	PASS	FAIL	11.53%
bh_h037	N	0.0000	PASS	FAIL	11.53%
bh_h038	N	0.0000	PASS	FAIL	11.53%
bh_h039	N	0.0000	PASS	FAIL	11.53%
bh_h040	N	0.0000	PASS	FAIL	11.53%
bh_h041	N	0.0000	PASS	FAIL	11.53%
bh_h043	N	0.0000	PASS	FAIL	11.53%
bh_h044	N	0.0000	PASS	FAIL	11.53%
bh_h045	N	0.0000	PASS	FAIL	11.53%
bh_h047	N	0.0000	PASS	FAIL	11.53%
bh_h048	N	0.0000	PASS	FAIL	11.53%
bh_h049	N	0.0000	PASS	FAIL	11.53%
bh_h050	N	0.0000	PASS	FAIL	11.53%
bh_h051	N	0.0000	PASS	FAIL	11.53%
bh_h052	N	0.0000	PASS	FAIL	11.53%
bh_h053	N	0.0000	PASS	FAIL	11.53%
bh_h054	N	0.0000	PASS	FAIL	11.53%
bh_h055	N	0.0000	PASS	FAIL	11.53%
bh_h056	N	0.0000	PASS	FAIL	11.53%
bh_h057	N	0.0000	PASS	FAIL	11.53%
bh_h060	N	0.0000	PASS	FAIL	11.53%
bh_h061	N	0.0000	PASS	FAIL	11.53%
bh_h064	N	0.0000	PASS	FAIL	11.53%
bh_h065	N	0.0000	PASS	FAIL	11.53%
bh_h066	N	0.0000	PASS	FAIL	11.53%
bh_h067	N	0.0000	PASS	FAIL	11.53%
bh_h068	N	0.0000	PASS	FAIL	11.53%
bh_h069	N	0.0000	PASS	FAIL	11.53%
bh_h070	N	0.0000	PASS	FAIL	11.53%
bh_h071	N	0.0000	PASS	FAIL	11.53%
bh_h072	N	0.0000	PASS	FAIL	11.53%
bh_h073	N	0.0000	PASS	FAIL	11.53%
bh_h076	N	0.0000	PASS	FAIL	11.53%
bh_h077	N	0.0000	PASS	FAIL	11.53%
bh_h079	N	0.0000	PASS	FAIL	11.53%
bh_h080	N	0.0000	PASS	FAIL	11.53%
bh_h081	N	0.0000	PASS	FAIL	11.53%
bh_h082	N	0.0000	PASS	FAIL	11.53%
bh_h083	N	0.0000	PASS	FAIL	11.53%
bh_h085	N	0.0000	PASS	FAIL	11.53%
bh_h087	N	0.0000	PASS	FAIL	11.53%
bh_h088	N	0.0000	PASS	FAIL	11.53%
bh_h089	N	0.0000	PASS	FAIL	11.53%
bh_h092	N	0.0000	PASS	FAIL	11.53%
bh_h093	N	0.0000	PASS	FAIL	11.53%
bh_h096	N	0.0000	PASS	FAIL	11.53%
bh_h097	N	0.0000	PASS	FAIL	11.53%
bh_h098	N	0.0000	PASS	FAIL	11.53%
bh_h099	N	0.0000	PASS	FAIL	11.53%
bh_h103	N	0.0000	PASS	FAIL	11.53%
bh_h104	N	0.0000	PASS	FAIL	11.53%
bh_h105	N	0.0000	PASS	FAIL	11.53%
bh_h109	N	0.0000	PASS	FAIL	11.53%
bh_h112	N	0.0000	PASS	FAIL	11.53%
bh_h113	N	0.0000	PASS	FAIL	11.53%
bh_h114	N	0.0000	PASS	FAIL	11.53%
bh_h115	N	0.0000	PASS	FAIL	11.53%
bh_h120	N	0.0000	PASS	FAIL	11.53%
bh_h121	N	0.0000	PASS	FAIL	11.53%
bh_h128	N	0.0000	PASS	FAIL	11.53%
bh_h129	N	0.0000	PASS	FAIL	11.53%
bh_h142	N	0.0000	PASS	FAIL	11.53%
bh_h143	N	0.0000	PASS	FAIL	11.53%
bh_h144	N	0.0000	PASS	FAIL	11.53%
bh_h145	N	0.0000	PASS	FAIL	11.53%
bh_h146	N	0.0000	PASS	FAIL	11.53%
bh_h147	N	0.0000	PASS	FAIL	11.53%
bh_h148	N	0.0000	PASS	FAIL	11.53%
bh_h149	N	0.0000	PASS	FAIL	11.53%
bh_h155	N	0.0000	PASS	FAIL	11.53%
bh_h156	N	0.0000	PASS	FAIL	11.53%
bh_h164	N	0.0000	PASS	FAIL	11.53%
bh_h172	N	0.0000	PASS	FAIL	11.53%
BH_A221	N	0.0000	PASS	FAIL	11.53%
BH_A222	N	0.0000	PASS	FAIL	11.53%
BH_A223	N	0.0000	PASS	FAIL	11.53%
BH_A224	N	0.0000	PASS	FAIL	11.53%
BH_A231	N	0.0000	PASS	FAIL	11.53%
BH_A232	N	0.0000	PASS	FAIL	11.53%
BH_A233	N	0.0000	PASS	FAIL	11.53%
BH_A234	N	0.0000	PASS	FAIL	11.53%
BH_A242	N	0.0000	PASS	FAIL	11.53%
BH_A243	N	0.0000	PASS	FAIL	11.53%
BH_A244	N	0.0000	PASS	FAIL	11.53%
BH_A245	N	0.0000	PASS	FAIL	11.53%
BH_A246	N	0.0000	PASS	FAIL	11.53%
BH_A247	N	0.0000	PASS	FAIL	11.53%
BH_A248	N	0.0000	PASS	FAIL	11.53%
BH_A249	N	0.0000	PASS	FAIL	11.53%
BH_A252	N	0.0000	PASS	FAIL	11.53%
BH_A253	N	0.0000	PASS	FAIL	11.53%
BH_A254	N	0.0000	PASS	FAIL	11.53%
BH_A255	N	0.0000	PASS	FAIL	11.53%
BH_A256	N	0.0000	PASS	FAIL	11.53%
BH_A257	N	0.0000	PASS	FAIL	11.53%
BH_A258	N	0.0000	PASS	FAIL	11.53%
BH_A259	N	0.0000	PASS	FAIL	11.53%
BH_A260	N	0.0000	PASS	FAIL	11.53%
BH_A262	N	0.0000	PASS	FAIL	11.53%
BH_A263	N	0.0000	PASS	FAIL	11.53%
BH_A264	N	0.0000	PASS	FAIL	11.53%
BH_A270	N	0.0000	PASS	FAIL	11.53%
BH_A271	N	0.0000	PASS	FAIL	11.53%
BH_A272	N	0.0000	PASS	FAIL	11.53%
BH_A273	N	0.0000	PASS	FAIL	11.53%
BH_A274	N	0.0000	PASS	FAIL	11.53%
BH_A279	N	0.0000	PASS	FAIL	11.53%
BH_A280	N	0.0000	PASS	FAIL	11.53%
BH_A289	N	0.0000	PASS	FAIL	11.53%
BH_A290	N	0.0000	PASS	FAIL	11.53%
BH_A291	N	0.0000	PASS	FAIL	11.53%
BH_A300	N	0.0000	PASS	FAIL	11.53%
BH_A301	N	0.0000	PASS	FAIL	11.53%
BH_A302	N	0.0000	PASS	FAIL	11.53%
BH_A303	N	0.0000	PASS	FAIL	11.53%
BH_A304	N	0.0000	PASS	FAIL	11.53%
BH_A310	N	0.0000	PASS	FAIL	11.53%
BH_A311	N	0.0000	PASS	FAIL	11.53%
BH_A312	N	0.0000	PASS	FAIL	11.53%
BH_A313	N	0.0000	PASS	FAIL	11.53%
BH_A314	N	0.0000	PASS	FAIL	11.53%
BH_A315	N	0.0000	PASS	FAIL	11.53%
BH_A316	N	0.0000	PASS	FAIL	11.53%
BH_A320	N	0.0000	PASS	FAIL	11.53%
BH_A321	N	0.0000	PASS	FAIL	11.53%
BH_A328	N	0.0000	PASS	FAIL	11.53%
BH_A329	N	0.0000	PASS	FAIL	11.53%
BH_A330	N	0.0000	PASS	FAIL	11.53%
BH_A337	N	0.0000	PASS	FAIL	11.53%
BH_A338	N	0.0000	PASS	FAIL	11.53%
BH_A347	N	0.0000	PASS	FAIL	11.53%
BH_A348	N	0.0000	PASS	FAIL	11.53%
BH_A357	N	0.0000	PASS	FAIL	11.53%
BH_A358	N	0.0000	PASS	FAIL	11.53%
BH_A359	N	0.0000	PASS	FAIL	11.53%
BH_A360	N	0.0000	PASS	FAIL	11.53%
BH_A361	N	0.0000	PASS	FAIL	11.53%
BH_A362	N	0.0000	PASS	FAIL	11.53%
BH_A367	N	0.0000	PASS	FAIL	11.53%
BH_A368	N	0.0000	PASS	FAIL	11.53%
BH_A369	N	0.0000	PASS	FAIL	11.53%
BH_A370	N	0.0000	PASS	FAIL	11.53%
BH_A371	N	0.0000	PASS	FAIL	11.53%
BH_A372	N	0.0000	PASS	FAIL	11.53%
BH_A377	N	0.0000	PASS	FAIL	11.53%
BH_A385	N	0.0000	PASS	FAIL	11.53%
BH_A386	N	0.0000	PASS	FAIL	11.53%
BH_X001	N	0.0000	PASS	FAIL	11.51%
BH_X002	N	0.0000	PASS	FAIL	11.51%
BH_X003	N	0.0000	PASS	FAIL	11.51%
BH_X004	N	0.0000	PASS	FAIL	11.51%
BH_X005	N	0.0000	PASS	FAIL	11.51%
BH_X006	N	0.0000	PASS	FAIL	11.51%
BH_X007	N	0.0000	PASS	FAIL	11.51%
BH_X008	N	0.0000	PASS	FAIL	11.51%
BH_X009	N	0.0000	PASS	FAIL	11.51%
BH_X010	N	0.0000	PASS	FAIL	11.51%
BH_X011	N	0.0000	PASS	FAIL	11.51%
BH_X012	N	0.0000	PASS	FAIL	11.51%
BH_X013	N	0.0000	PASS	FAIL	11.51%
BH_X014	N	0.0000	PASS	FAIL	11.51%
BH_X015	N	0.0000	PASS	FAIL	11.51%
BH_X016	N	0.0000	PASS	FAIL	11.51%
BH_X017	N	0.0000	PASS	FAIL	11.51%
BH_X018	N	0.0000	PASS	FAIL	11.51%
BH_X019	N	0.0000	PASS	FAIL	11.51%
BH_X020	N	0.0000	PASS	FAIL	11.51%
BH_X021	N	0.0000	PASS	FAIL	11.51%
BH_X022	N	0.0000	PASS	FAIL	11.51%
BH_X023	N	0.0000	PASS	FAIL	11.51%
BH_X024	N	0.0000	PASS	FAIL	11.51%
BH_X025	N	0.0000	PASS	FAIL	11.51%
BH_X026	N	0.0000	PASS	FAIL	11.51%
BH_X027	N	0.0000	PASS	FAIL	11.51%
BH_X028	N	0.0000	PASS	FAIL	11.51%
BH_X029	N	0.0000	PASS	FAIL	11.51%
BH_X030	N	0.0000	PASS	FAIL	11.51%
BH_X031	N	0.0000	PASS	FAIL	11.51%
BH_X032	N	0.0000	PASS	FAIL	11.51%
BH_X033	N	0.0000	PASS	FAIL	11.51%
BH_X034	N	0.0000	PASS	FAIL	11.51%
BH_X035	N	0.0000	PASS	FAIL	11.51%
BH_X036	N	0.0000	PASS	FAIL	11.51%
BH_X037	N	0.0000	PASS	FAIL	11.51%
BH_X038	N	0.0000	PASS	FAIL	11.51%
BH_X039	N	0.0000	PASS	FAIL	11.51%
BH_X040	N	0.0000	PASS	FAIL	11.51%
BH_X041	N	0.0000	PASS	FAIL	11.51%
BH_X042	N	0.0000	PASS	FAIL	11.51%
BH_X043	N	0.0000	PASS	FAIL	11.51%
BH_X044	N	0.0000	PASS	FAIL	11.51%
BH_X045	N	0.0000	PASS	FAIL	11.51%
BH_X046	N	0.0000	PASS	FAIL	11.51%
BH_X047	N	0.0000	PASS	FAIL	11.51%
BH_X048	N	0.0000	PASS	FAIL	11.51%
BH_X049	N	0.0000	PASS	FAIL	11.51%
BH_X050	N	0.0000	PASS	FAIL	11.51%
BH_X051	N	0.0000	PASS	FAIL	11.51%
BH_X052	N	0.0000	PASS	FAIL	11.51%
BH_X053	N	0.0000	PASS	FAIL	11.51%
BH_X054	N	0.0000	PASS	FAIL	11.51%
BH_X055	N	0.0000	PASS	FAIL	11.51%
BH_X056	N	0.0000	PASS	FAIL	11.51%
BH_X057	N	0.0000	PASS	FAIL	11.51%
BH_X058	N	0.0000	PASS	FAIL	11.51%
BH_X059	N	0.0000	PASS	FAIL	11.51%
BH_X060	N	0.0000	PASS	FAIL	11.51%
BH_X061	N	0.0000	PASS	FAIL	11.51%
BH_X062	N	0.0000	PASS	FAIL	11.51%
BH_X063	N	0.0000	PASS	FAIL	11.51%
BH_X064	N	0.0000	PASS	FAIL	11.51%
BH_X065	N	0.0000	PASS	FAIL	11.51%
BH_X066	N	0.0000	PASS	FAIL	11.51%
BH_X067	N	0.0000	PASS	FAIL	11.51%
BH_X068	N	0.0000	PASS	FAIL	11.51%
BH_X069	N	0.0000	PASS	FAIL	11.51%
BH_X070	N	0.0000	PASS	FAIL	11.51%
BH_X071	N	0.0000	PASS	FAIL	11.51%
BH_X072	N	0.0000	PASS	FAIL	11.51%
BH_X073	N	0.0000	PASS	FAIL	11.51%
BH_X074	N	0.0000	PASS	FAIL	11.51%
BH_X075	N	0.0000	PASS	FAIL	11.51%
BH_X076	N	0.0000	PASS	FAIL	11.51%
BH_X077	N	0.0000	PASS	FAIL	11.51%
BH_X078	N	0.0000	PASS	FAIL	11.51%
BH_X079	N	0.0000	PASS	FAIL	11.51%
BH_X080	N	0.0000	PASS	FAIL	11.51%
BH_X081	N	0.0000	PASS	FAIL	11.51%
BH_X082	N	0.0000	PASS	FAIL	11.51%
BH_X083	N	0.0000	PASS	FAIL	11.51%
BH_X084	N	0.0000	PASS	FAIL	11.51%
BH_X085	N	0.0000	PASS	FAIL	11.51%
BH_X086	N	0.0000	PASS	FAIL	11.51%
BH_X087	N	0.0000	PASS	FAIL	11.51%
BH_X088	N	0.0000	PASS	FAIL	11.51%
BH_X089	N	0.0000	PASS	FAIL	11.51%
BH_X090	N	0.0000	PASS	FAIL	11.51%
BH_X091	N	0.0000	PASS	FAIL	11.51%
BH_X092	N	0.0000	PASS	FAIL	11.51%
BH_X093	N	0.0000	PASS	FAIL	11.51%
BH_X094	N	0.0000	PASS	FAIL	11.51%
BH_X095	N	0.0000	PASS	FAIL	11.51%
BH_X096	N	0.0000	PASS	FAIL	11.51%
BH_X097	N	0.0000	PASS	FAIL	11.51%
BH_X098	N	0.0000	PASS	FAIL	11.51%
BH_X099	N	0.0000	PASS	FAIL	11.51%
BH_X100	N	0.0000	PASS	FAIL	11.51%
BH_X101	N	0.0000	PASS	FAIL	11.51%
BH_X102	N	0.0000	PASS	FAIL	11.51%
BH_X103	N	0.0000	PASS	FAIL	11.51%
BH_X104	N	0.0000	PASS	FAIL	11.51%
BH_X105	N	0.0000	PASS	FAIL	11.51%
BH_X106	N	0.0000	PASS	FAIL	11.51%
BH_X107	N	0.0000	PASS	FAIL	11.51%
BH_X108	N	0.0000	PASS	FAIL	11.51%
BH_X109	N	0.0000	PASS	FAIL	11.51%
BH_X110	N	0.0000	PASS	FAIL	11.51%
BH_X111	N	0.0000	PASS	FAIL	11.51%
BH_X112	N	0.0000	PASS	FAIL	11.51%
BH_X113	N	0.0000	PASS	FAIL	11.51%
BH_X114	N	0.0000	PASS	FAIL	11.51%
BH_X115	N	0.0000	PASS	FAIL	11.51%
BH_X116	N	0.0000	PASS	FAIL	11.51%
BH_X117	N	0.0000	PASS	FAIL	11.51%
BH_X118	N	0.0000	PASS	FAIL	11.51%
BH_X119	N	0.0000	PASS	FAIL	11.51%
BH_X120	N	0.0000	PASS	FAIL	11.51%
BH_X121	N	0.0000	PASS	FAIL	11.51%
BH_X122	N	0.0000	PASS	FAIL	11.51%
BH_X123	N	0.0000	PASS	FAIL	11.51%
BH_X124	N	0.0000	PASS	FAIL	11.51%
BH_X125	N	0.0000	PASS	FAIL	11.51%
BH_X126	N	0.0000	PASS	FAIL	11.51%
BH_X127	N	0.0000	PASS	FAIL	11.51%
BH_X128	N	0.0000	PASS	FAIL	11.51%
BH_X129	N	0.0000	PASS	FAIL	11.51%
BH_X130	N	0.0000	PASS	FAIL	11.51%
BH_X131	N	0.0000	PASS	FAIL	11.51%
BH_X132	N	0.0000	PASS	FAIL	11.51%
BH_X133	N	0.0000	PASS	FAIL	11.51%
BH_X134	N	0.0000	PASS	FAIL	11.51%
BH_X135	N	0.0000	PASS	FAIL	11.51%
BH_X136	N	0.0000	PASS	FAIL	11.51%
BH_X137	N	0.0000	PASS	FAIL	11.51%
BH_X138	N	0.0000	PASS	FAIL	11.51%
BH_X139	N	0.0000	PASS	FAIL	11.51%
BH_X140	N	0.0000	PASS	FAIL	11.51%
BH_X141	N	0.0000	PASS	FAIL	11.51%
BH_X142	N	0.0000	PASS	FAIL	11.51%
BH_X143	N	0.0000	PASS	FAIL	11.51%
BH_X144	N	0.0000	PASS	FAIL	11.51%
have_car_prob_grade	N	0.0000	PASS	FAIL	0.34%
have_fang_prob_grade	N	0.0000	PASS	FAIL	0.34%
ovd_order_amt_6m_grade	N	0.0000	PASS	FAIL	0.34%
ovd_order_days_6m_grade	N	0.0000	PASS	FAIL	0.34%

06 回归结果

待补充：本实验未运行 LR 路线（或未产生回归结果），无回归明细。

07 VIF

待补充：本实验未运行 LR 路线，未计算 VIF/相关系数。

08 最终评分卡

待补充：本实验未生成评分卡（未运行 LR 路线）。

09 模型表现

模型 KS & GINI（按样本）

模型	样本	KS	GINI
XGBoost	开发样本	0.6376	0.8010
XGBoost	预留验证样本	0.3046	0.4108
XGBoost	跨时间验证样本(OOT)	0.2482	0.3380

XGBoost — 分数段表现

开发样本

组号	分数区间(PD)	样本数	累计占比	Good	Bad	累计Good占比	累计Bad占比	分组坏率	累计坏率	分组Odds	累计Odds
1	0.0005 ~ 0.0205	1559	10.00%	1559	0	12.00%	0.00%	0.00%	0.00%	—	—
2	0.0205 ~ 0.0415	1559	20.00%	1559	0	12.00%	0.00%	0.00%	0.00%	—	—
3	0.0415 ~ 0.0649	1559	30.00%	1546	13	11.90%	0.50%	0.83%	0.28%	118.92	358.77
4	0.0649 ~ 0.0945	1559	40.00%	1530	29	11.78%	1.62%	1.86%	0.67%	52.76	147.48
5	0.0946 ~ 0.1287	1559	50.00%	1491	68	11.48%	4.23%	4.36%	1.41%	21.93	69.86
6	0.1287 ~ 0.1700	1560	60.00%	1436	124	11.05%	9.00%	7.95%	2.50%	11.58	38.98
7	0.1701 ~ 0.2166	1559	70.00%	1323	236	10.18%	18.08%	15.14%	4.31%	5.61	22.22
8	0.2166 ~ 0.2788	1558	79.99%	1189	369	9.15%	32.27%	23.68%	6.73%	3.22	13.87
9	0.2788 ~ 0.3696	1559	89.99%	944	615	7.27%	55.92%	39.45%	10.36%	1.53	8.65
10	0.3698 ~ 0.8545	1560	100.00%	414	1146	3.19%	100.00%	73.46%	16.68%	0.36	5.00
TOTALS		15591		12991	2600			16.68%		—	5.00

预留验证样本

组号	分数区间(PD)	样本数	累计占比	Good	Bad	累计Good占比	累计Bad占比	分组坏率	累计坏率	分组Odds	累计Odds
1	0.0007 ~ 0.0220	520	10.01%	509	11	11.17%	1.72%	2.12%	2.12%	46.27	46.27
2	0.0220 ~ 0.0436	520	20.01%	492	28	10.79%	6.10%	5.38%	3.75%	17.57	25.67
3	0.0436 ~ 0.0668	519	30.00%	490	29	10.75%	10.64%	5.59%	4.36%	16.90	21.93
4	0.0668 ~ 0.0898	520	40.00%	482	38	10.57%	16.59%	7.31%	5.10%	12.68	18.61
5	0.0899 ~ 0.1183	519	49.99%	470	49	10.31%	24.26%	9.44%	5.97%	9.59	15.76
6	0.1183 ~ 0.1532	520	60.00%	454	66	9.96%	34.59%	12.69%	7.09%	6.88	13.11
7	0.1532 ~ 0.1931	520	70.00%	443	77	9.72%	46.64%	14.81%	8.19%	5.75	11.21
8	0.1931 ~ 0.2449	519	79.99%	448	71	9.83%	57.75%	13.68%	8.88%	6.31	10.27
9	0.2450 ~ 0.3174	520	89.99%	407	113	8.93%	75.43%	21.73%	10.31%	3.60	8.70
10	0.3176 ~ 0.8084	520	100.00%	363	157	7.96%	100.00%	30.19%	12.30%	2.31	7.13
TOTALS		5197		4558	639			12.30%		—	7.13

跨时间验证样本(OOT)

组号	分数区间(PD)	样本数	累计占比	Good	Bad	累计Good占比	累计Bad占比	分组坏率	累计坏率	分组Odds	累计Odds
1	0.0007 ~ 0.0290	520	10.00%	501	19	12.20%	1.74%	3.65%	3.65%	26.37	26.37
2	0.0290 ~ 0.0528	520	20.01%	457	63	11.13%	7.51%	12.12%	7.88%	7.25	11.68
3	0.0528 ~ 0.0762	520	30.01%	448	72	10.91%	14.10%	13.85%	9.87%	6.22	9.13
4	0.0762 ~ 0.1006	519	40.00%	435	84	10.59%	21.79%	16.18%	11.45%	5.18	7.74
5	0.1008 ~ 0.1275	520	50.00%	424	96	10.33%	30.59%	18.46%	12.85%	4.42	6.78
6	0.1275 ~ 0.1597	520	60.00%	398	122	9.69%	41.76%	23.46%	14.62%	3.26	5.84
7	0.1600 ~ 0.1956	519	69.99%	402	117	9.79%	52.47%	22.54%	15.75%	3.44	5.35
8	0.1956 ~ 0.2445	520	79.99%	370	150	9.01%	66.21%	28.85%	17.39%	2.47	4.75
9	0.2445 ~ 0.3097	520	90.00%	360	160	8.77%	80.86%	30.77%	18.88%	2.25	4.30
10	0.3097 ~ 0.7491	520	100.00%	311	209	7.57%	100.00%	40.19%	21.01%	1.49	3.76
TOTALS		5198		4106	1092			21.01%		—	3.76

注：分数段基于模型输出 PD 等频分 10 档，按分数升序排列。

10 KS和GINI

XGBoost

样本	KS	GINI
开发样本	0.6376	0.8010
预留验证样本	0.3046	0.4108
跨时间验证样本(OOT)	0.2482	0.3380

注：GINI = 2×AUC−1。逐分数明细曲线数据量较大，报告中仅呈现汇总指标，明细可在实验目录扩展生成。

11 PSI

分数 PSI（开发样本 vs OOT）

模型	分数 PSI
XGBoost	0.0713

变量 PSI（开发样本 vs OOT，按入模变量分箱）

特征项	PSI	状态
first_loan_length_grade	0.0560	稳定
bh_CO4001score	0.0397	稳定
adr_stability_grade	0.0318	稳定
tot_pay_amt_6m_grade	0.0288	稳定
risk_score	0.0276	稳定
model_risk_v9_sxiaojin_score	0.0184	稳定
ScoreCust2	0.0136	稳定
ScoreCust1	0.0136	稳定
repay_amt_6m_grade	0.0118	稳定
PY083P	0.0115	稳定
model_1034468	0.0105	稳定
dev_stability_grade2	0.0092	稳定
model_1034467	0.0079	稳定
zszs_xy_score	0.0063	稳定
avg_bal_6m_grade	0.0063	稳定
risk_v8_slowirr	0.0062	稳定
positive_biz_cnt_1y_grade	0.0058	稳定
repayment_ability_rank2	0.0055	稳定
score_50021	0.0050	稳定
score92663	0.0049	稳定
cust_seg2	0.0048	稳定
mobile_fixed_grade	0.0046	稳定
dxm_2025v2	0.0029	稳定
xmf_v11xj	0.0020	稳定
model_risk_v9_stongyong_score	0.0020	稳定

ScoreCust1 — PSI 0.0136

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 598.0]	9.88%	11.64%	1.76%	0.0029
(598.0, 680.0]	19.48%	21.28%	1.80%	0.0016
(680.0, 737.0]	19.95%	20.39%	0.45%	0.0001
(737.0, 765.0]	9.86%	10.47%	0.60%	0.0004
(765.0, 824.0]	20.09%	19.33%	-0.75%	0.0003
(824.0, 868.0]	10.31%	8.83%	-1.48%	0.0023
(868.0, inf]	10.42%	8.06%	-2.36%	0.0061

ScoreCust2 — PSI 0.0136

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 572.0]	10.38%	10.56%	0.18%	0.0000
(572.0, 619.0]	9.63%	11.31%	1.68%	0.0027
(619.0, 728.0]	29.25%	31.92%	2.66%	0.0023
(728.0, 789.0]	20.17%	19.41%	-0.76%	0.0003
(789.0, 825.0]	10.22%	9.25%	-0.97%	0.0010
(825.0, 875.0]	9.68%	9.48%	-0.19%	0.0000
(875.0, inf]	10.66%	8.06%	-2.60%	0.0073

dxm_2025v2 — PSI 0.0029

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 373.0]	10.45%	10.00%	-0.45%	0.0002
(373.0, 383.0]	11.10%	10.58%	-0.52%	0.0002
(383.0, 396.0]	19.66%	20.43%	0.77%	0.0003
(396.0, 407.0]	19.56%	19.45%	-0.11%	0.0000
(407.0, 422.0]	19.61%	20.95%	1.34%	0.0009
(422.0, 437.0]	9.81%	9.87%	0.06%	0.0000
(437.0, inf]	9.81%	8.71%	-1.10%	0.0013

score92663 — PSI 0.0049

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 35.11734]	9.96%	9.75%	-0.21%	0.0000
(35.11734, 40.26888]	9.69%	10.37%	0.68%	0.0005
(40.26888, 47.5934]	19.60%	20.78%	1.19%	0.0007
(47.5934, 54.22114]	19.65%	20.13%	0.47%	0.0001
(54.22114, 57.44614]	10.20%	9.95%	-0.25%	0.0001
(57.44614, 65.67133999999999]	20.15%	20.11%	-0.04%	0.0000
(65.67133999999999, inf]	10.75%	8.90%	-1.85%	0.0035

model_risk_v9_stongyong_score — PSI 0.0020

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 33.0]	10.63%	9.85%	-0.78%	0.0006
(33.0, 43.0]	20.26%	21.01%	0.75%	0.0003
(43.0, 46.0]	9.26%	9.44%	0.18%	0.0000
(46.0, 52.0]	20.11%	20.41%	0.31%	0.0000
(52.0, 59.0]	20.60%	21.15%	0.55%	0.0001
(59.0, 64.0]	10.04%	9.91%	-0.14%	0.0000
(64.0, inf]	9.09%	8.23%	-0.87%	0.0009

model_risk_v9_sxiaojin_score — PSI 0.0184

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 33.0]	11.21%	10.80%	-0.42%	0.0002
(33.0, 38.0]	9.37%	11.18%	1.81%	0.0032
(38.0, 44.0]	19.31%	20.97%	1.66%	0.0014
(44.0, 49.0]	19.01%	20.37%	1.37%	0.0009
(49.0, 52.0]	10.71%	11.61%	0.90%	0.0007
(52.0, 55.0]	9.32%	8.25%	-1.07%	0.0013
(55.0, 60.0]	11.31%	9.68%	-1.64%	0.0026
(60.0, inf]	9.75%	7.15%	-2.61%	0.0081

model_1034467 — PSI 0.0079

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 0.0712139]	10.44%	9.00%	-1.44%	0.0021
(0.0712139, 0.0876564]	20.19%	18.93%	-1.26%	0.0008
(0.0876564, 0.09498960000000001]	10.06%	9.36%	-0.70%	0.0005
(0.09498960000000001, 0.10251299999999999]	9.83%	10.41%	0.57%	0.0003
(0.10251299999999999, 0.1450796]	29.89%	29.79%	-0.10%	0.0000
(0.1450796, 0.17618690000000004]	9.85%	11.34%	1.49%	0.0021
(0.17618690000000004, inf]	9.73%	11.18%	1.45%	0.0020

model_1034468 — PSI 0.0105

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 0.073189]	10.26%	9.10%	-1.17%	0.0014
(0.073189, 0.077564]	10.32%	8.94%	-1.38%	0.0020
(0.077564, 0.099474]	30.42%	28.31%	-2.12%	0.0015
(0.099474, 0.124703]	19.63%	20.52%	0.89%	0.0004
(0.124703, 0.17285130000000004]	19.64%	21.47%	1.83%	0.0016
(0.17285130000000004, inf]	9.73%	11.67%	1.95%	0.0036

score_50021 — PSI 0.0050

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 0.0059]	10.58%	8.91%	-1.67%	0.0029
(0.0059, 0.0084]	9.75%	10.27%	0.52%	0.0003
(0.0084, 0.0131]	20.10%	19.85%	-0.25%	0.0000
(0.0131, 0.0155]	9.62%	10.99%	1.37%	0.0018
(0.0155, 0.0216]	20.01%	20.16%	0.15%	0.0000
(0.0216, 0.0343]	19.75%	19.61%	-0.14%	0.0000
(0.0343, inf]	10.19%	10.21%	0.02%	0.0000

zszs_xy_score — PSI 0.0063

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 687.0]	11.09%	9.22%	-1.86%	0.0034
(687.0, 696.0]	10.57%	9.87%	-0.71%	0.0005
(696.0, 708.0]	20.89%	20.16%	-0.73%	0.0003
(708.0, 718.0]	18.86%	19.52%	0.66%	0.0002
(718.0, 731.0]	19.77%	21.56%	1.79%	0.0016
(731.0, inf]	18.82%	19.67%	0.85%	0.0004

xmf_v11xj — PSI 0.0020

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 390.0]	10.10%	11.06%	0.95%	0.0009
(390.0, 414.0]	29.75%	30.47%	0.73%	0.0002
(414.0, 440.0]	31.16%	29.62%	-1.54%	0.0008
(440.0, 469.0]	18.87%	19.15%	0.27%	0.0000
(469.0, inf]	10.12%	9.70%	-0.42%	0.0002

bh_CO4001score — PSI 0.0397

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 37.0]	11.75%	13.82%	2.06%	0.0033
(37.0, 40.0]	9.85%	12.05%	2.19%	0.0044
(40.0, 44.0]	18.19%	22.30%	4.11%	0.0084
(44.0, 50.0]	31.83%	30.75%	-1.09%	0.0004
(50.0, 55.0]	19.47%	15.24%	-4.23%	0.0104
(55.0, inf]	8.90%	5.85%	-3.05%	0.0128

PY083P — PSI 0.0115

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 574.0]	21.46%	18.04%	-3.42%	0.0060
(574.0, 593.0]	10.29%	9.46%	-0.83%	0.0007
(593.0, 624.0]	20.42%	20.07%	-0.36%	0.0001
(624.0, 657.0]	19.06%	20.84%	1.78%	0.0016
(657.0, 719.0]	19.16%	21.65%	2.49%	0.0030
(719.0, inf]	9.60%	9.95%	0.35%	0.0001

risk_v8_slowirr — PSI 0.0062

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 23.0]	10.74%	10.53%	-0.21%	0.0000
(23.0, 31.0]	10.01%	10.37%	0.36%	0.0001
(31.0, 43.0]	20.17%	21.17%	1.00%	0.0005
(43.0, 48.0]	9.13%	9.89%	0.76%	0.0006
(48.0, 59.0]	20.42%	21.09%	0.68%	0.0002
(59.0, 64.0]	8.81%	8.89%	0.08%	0.0000
(64.0, 71.0]	10.72%	9.99%	-0.73%	0.0005
(71.0, inf]	10.01%	8.07%	-1.93%	0.0042

mobile_fixed_grade — PSI 0.0046

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 5.0]	23.13%	22.71%	-0.43%	0.0001
(5.0, 7.0]	34.87%	32.54%	-2.33%	0.0016
(7.0, 8.0]	17.35%	19.56%	2.20%	0.0026
(8.0, 9.0]	16.93%	17.62%	0.69%	0.0003
(9.0, inf]	7.72%	7.57%	-0.14%	0.0000

adr_stability_grade — PSI 0.0318

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 3.0]	33.69%	27.01%	-6.68%	0.0148
(3.0, 5.0]	10.16%	9.28%	-0.88%	0.0008
(5.0, 7.0]	24.23%	26.28%	2.05%	0.0017
(7.0, 9.0]	22.80%	28.85%	6.05%	0.0143
(9.0, inf]	9.12%	8.58%	-0.54%	0.0003

tot_pay_amt_6m_grade — PSI 0.0288

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 2.0]	50.75%	42.43%	-8.32%	0.0149
(2.0, 6.0]	34.10%	38.72%	4.62%	0.0059
(6.0, inf]	15.15%	18.84%	3.69%	0.0080

first_loan_length_grade — PSI 0.0560

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 3.0]	17.88%	10.24%	-7.64%	0.0426
(3.0, 6.0]	20.20%	18.78%	-1.42%	0.0010
(6.0, inf]	61.92%	70.98%	9.06%	0.0124

avg_bal_6m_grade — PSI 0.0063

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 1.0]	49.97%	47.98%	-1.99%	0.0008
(1.0, 3.0]	13.04%	11.71%	-1.32%	0.0014
(3.0, 8.0]	29.43%	31.14%	1.71%	0.0010
(8.0, inf]	7.56%	9.16%	1.60%	0.0031

repay_amt_6m_grade — PSI 0.0118

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 2.0]	57.56%	53.29%	-4.26%	0.0033
(2.0, 3.0]	4.77%	4.81%	0.05%	0.0000
(3.0, 5.0]	15.91%	19.21%	3.30%	0.0062
(5.0, 7.0]	13.12%	14.69%	1.57%	0.0018
(7.0, inf]	8.64%	8.00%	-0.64%	0.0005

positive_biz_cnt_1y_grade — PSI 0.0058

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 4.0]	43.34%	39.59%	-3.74%	0.0034
(4.0, inf]	56.66%	60.41%	3.74%	0.0024

risk_score — PSI 0.0276

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 2.0]	57.46%	54.67%	-2.79%	0.0014
(2.0, 3.0]	18.04%	23.38%	5.35%	0.0139
(3.0, 4.0]	11.11%	12.17%	1.06%	0.0010
(4.0, inf]	13.40%	9.78%	-3.62%	0.0114

cust_seg2 — PSI 0.0048

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 3.0]	73.08%	76.08%	3.00%	0.0012
(3.0, inf]	26.92%	23.92%	-3.00%	0.0035

dev_stability_grade2 — PSI 0.0092

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 2.0]	51.93%	55.05%	3.12%	0.0018
(2.0, 3.0]	25.29%	26.03%	0.73%	0.0002
(3.0, inf]	22.78%	18.92%	-3.86%	0.0072

repayment_ability_rank2 — PSI 0.0055

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 2.0]	37.46%	36.73%	-0.72%	0.0001
(2.0, 3.0]	35.27%	38.51%	3.25%	0.0029
(3.0, inf]	27.28%	24.75%	-2.53%	0.0025

注：PSI ≤ 0.1 视为稳定，0.1~0.25 需关注，> 0.25 不稳定。

12 单变量分析

注：统计所有入模变量的单变量分析（开发样本口径）。预留验证/总体/OOT 口径的分组明细待扩展。

ScoreCust1

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 598.0]	2620	10.08%	1884	736	28.09%	2.56
2	(598.0, 680.0]	5188	30.05%	3987	1201	23.15%	3.32
3	(680.0, 737.0]	5207	50.08%	4211	996	19.13%	4.23
4	(737.0, 765.0]	2617	60.16%	2217	400	15.28%	5.54
5	(765.0, 824.0]	5205	80.19%	4551	654	12.56%	6.96
6	(824.0, 868.0]	2590	90.15%	2384	206	7.95%	11.57
7	(868.0, inf]	2559	100.00%	2421	138	5.39%	17.54
合计		25986		21655	4331	16.67%	5.00

ScoreCust2

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 572.0]	2606	10.03%	1871	735	28.20%	2.55
2	(572.0, 619.0]	2598	20.03%	1932	666	25.64%	2.90
3	(619.0, 728.0]	7858	50.27%	6290	1568	19.95%	4.01
4	(728.0, 789.0]	5169	70.16%	4389	780	15.09%	5.63
5	(789.0, 825.0]	2614	80.22%	2344	270	10.33%	8.68
6	(825.0, 875.0]	2543	90.00%	2348	195	7.67%	12.04
7	(875.0, inf]	2598	100.00%	2481	117	4.50%	21.21
合计		25986		21655	4331	16.67%	5.00

dxm_2025v2

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 373.0]	2642	10.17%	1926	716	27.10%	2.69
2	(373.0, 383.0]	2859	21.17%	2177	682	23.85%	3.19
3	(383.0, 396.0]	5140	40.95%	4109	1031	20.06%	3.99
4	(396.0, 407.0]	5097	60.56%	4280	817	16.03%	5.24
5	(407.0, 422.0]	5184	80.51%	4480	704	13.58%	6.36
6	(422.0, 437.0]	2572	90.41%	2321	251	9.76%	9.25
7	(437.0, inf]	2492	100.00%	2362	130	5.22%	18.17
合计		25986		21655	4331	16.67%	5.00

score92663

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 35.11734]	2582	10.00%	2443	139	5.38%	17.58
2	(35.11734, 40.26888]	2581	20.00%	2343	238	9.22%	9.84
3	(40.26888, 47.5934]	5162	40.00%	4485	677	13.12%	6.62
4	(47.5934, 54.22114]	5163	60.00%	4300	863	16.72%	4.98
5	(54.22114, 57.44614]	2581	70.00%	2083	498	19.29%	4.18
6	(57.44614, 65.67133999999999]	5162	90.00%	4002	1160	22.47%	3.45
7	(65.67133999999999, inf]	2582	100.00%	1864	718	27.81%	2.60
合计		25813		21520	4293	16.63%	5.01

model_risk_v9_stongyong_score

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 33.0]	2701	10.46%	2556	145	5.37%	17.63
2	(33.0, 43.0]	5327	31.09%	4782	545	10.23%	8.77
3	(43.0, 46.0]	2442	40.55%	2124	318	13.02%	6.68
4	(46.0, 52.0]	5213	60.74%	4354	859	16.48%	5.07
5	(52.0, 59.0]	5299	81.26%	4185	1114	21.02%	3.76
6	(59.0, 64.0]	2565	91.20%	1940	625	24.37%	3.10
7	(64.0, inf]	2273	100.00%	1585	688	30.27%	2.30
合计		25820		21526	4294	16.63%	5.01

model_risk_v9_sxiaojin_score

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 33.0]	2871	11.12%	2710	161	5.61%	16.83
2	(33.0, 38.0]	2584	21.13%	2341	243	9.40%	9.63
3	(38.0, 44.0]	5151	41.08%	4500	651	12.64%	6.91
4	(44.0, 49.0]	5042	60.60%	4249	793	15.73%	5.36
5	(49.0, 52.0]	2804	71.46%	2262	542	19.33%	4.17
6	(52.0, 55.0]	2295	80.35%	1784	511	22.27%	3.49
7	(55.0, 60.0]	2788	91.15%	2094	694	24.89%	3.02
8	(60.0, inf]	2285	100.00%	1586	699	30.59%	2.27
合计		25820		21526	4294	16.63%	5.01

model_1034467

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 0.0712139]	2494	10.00%	2344	150	6.01%	15.63
2	(0.0712139, 0.0876564]	4988	30.00%	4428	560	11.23%	7.91
3	(0.0876564, 0.09498960000000001]	2494	40.00%	2134	360	14.43%	5.93
4	(0.09498960000000001, 0.10251299999999999]	2494	50.00%	2061	433	17.36%	4.76
5	(0.10251299999999999, 0.1450796]	7482	80.00%	6041	1441	19.26%	4.19
6	(0.1450796, 0.17618690000000004]	2494	90.00%	1953	541	21.69%	3.61
7	(0.17618690000000004, inf]	2494	100.00%	1841	653	26.18%	2.82
合计		24940		20802	4138	16.59%	5.03

model_1034468

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 0.073189]	2495	10.00%	2338	157	6.29%	14.89
2	(0.073189, 0.077564]	2493	20.00%	2195	298	11.95%	7.37
3	(0.077564, 0.099474]	7482	50.00%	6327	1155	15.44%	5.48
4	(0.099474, 0.124703]	4989	70.00%	4096	893	17.90%	4.59
5	(0.124703, 0.17285130000000004]	4987	90.00%	3971	1016	20.37%	3.91
6	(0.17285130000000004, inf]	2494	100.00%	1875	619	24.82%	3.03
合计		24940		20802	4138	16.59%	5.03

score_50021

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 0.0059]	2580	10.14%	2427	153	5.93%	15.86
2	(0.0059, 0.0084]	2541	20.13%	2298	243	9.56%	9.46
3	(0.0084, 0.0131]	5080	40.11%	4425	655	12.89%	6.76
4	(0.0131, 0.0155]	2543	50.11%	2162	381	14.98%	5.67
5	(0.0155, 0.0216]	5129	70.27%	4208	921	17.96%	4.57
6	(0.0216, 0.0343]	5029	90.04%	3869	1160	23.07%	3.34
7	(0.0343, inf]	2532	100.00%	1812	720	28.44%	2.52
合计		25434		21201	4233	16.64%	5.01

zszs_xy_score

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 687.0]	2696	10.53%	2006	690	25.59%	2.91
2	(687.0, 696.0]	2633	20.81%	2042	591	22.45%	3.46
3	(696.0, 708.0]	5305	41.52%	4331	974	18.36%	4.45
4	(708.0, 718.0]	4859	60.50%	4085	774	15.93%	5.28
5	(718.0, 731.0]	5176	80.71%	4426	750	14.49%	5.90
6	(731.0, inf]	4940	100.00%	4462	478	9.68%	9.33
合计		25609		21352	4257	16.62%	5.02

xmf_v11xj

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 390.0]	2656	10.34%	2083	573	21.57%	3.64
2	(390.0, 414.0]	7663	40.16%	6162	1501	19.59%	4.11
3	(414.0, 440.0]	7883	70.83%	6522	1361	17.27%	4.79
4	(440.0, 469.0]	4934	90.03%	4305	629	12.75%	6.84
5	(469.0, inf]	2561	100.00%	2346	215	8.40%	10.91
合计		25697		21418	4279	16.65%	5.01

bh_CO4001score

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 37.0]	3226	12.42%	2996	230	7.13%	13.03
2	(37.0, 40.0]	2742	22.97%	2407	335	12.22%	7.19
3	(40.0, 44.0]	5049	42.40%	4320	729	14.44%	5.93
4	(44.0, 50.0]	8255	74.17%	6829	1426	17.27%	4.79
5	(50.0, 55.0]	4679	92.18%	3598	1081	23.10%	3.33
6	(55.0, inf]	2032	100.00%	1502	530	26.08%	2.83
合计		25983		21652	4331	16.67%	5.00

PY083P

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 574.0]	5200	20.13%	3909	1291	24.83%	3.03
2	(574.0, 593.0]	2565	30.07%	2019	546	21.29%	3.70
3	(593.0, 624.0]	5218	50.27%	4297	921	17.65%	4.67
4	(624.0, 657.0]	5111	70.06%	4337	774	15.14%	5.60
5	(657.0, 719.0]	5187	90.15%	4581	606	11.68%	7.56
6	(719.0, inf]	2545	100.00%	2389	156	6.13%	15.31
合计		25826		21532	4294	16.63%	5.01

risk_v8_slowirr

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 23.0]	2821	10.93%	2676	145	5.14%	18.46
2	(23.0, 31.0]	2641	21.16%	2389	252	9.54%	9.48
3	(31.0, 43.0]	5313	41.74%	4597	716	13.48%	6.42
4	(43.0, 48.0]	2430	51.16%	2035	395	16.26%	5.15
5	(48.0, 59.0]	5283	71.62%	4307	976	18.47%	4.41
6	(59.0, 64.0]	2274	80.43%	1799	475	20.89%	3.79
7	(64.0, 71.0]	2670	90.78%	2030	640	23.97%	3.17
8	(71.0, inf]	2381	100.00%	1687	694	29.15%	2.43
合计		25813		21520	4293	16.63%	5.01

mobile_fixed_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 5.0]	5979	23.09%	4919	1060	17.73%	4.64
2	(5.0, 7.0]	8859	57.30%	7122	1737	19.61%	4.10
3	(7.0, 8.0]	4651	75.26%	3899	752	16.17%	5.18
4	(8.0, 9.0]	4407	92.27%	3857	550	12.48%	7.01
5	(9.0, inf]	2001	100.00%	1795	206	10.29%	8.71
合计		25897		21592	4305	16.62%	5.02

adr_stability_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 3.0]	8116	31.34%	6313	1803	22.22%	3.50
2	(3.0, 5.0]	2612	41.43%	2120	492	18.84%	4.31
3	(5.0, 7.0]	6478	66.44%	5448	1030	15.90%	5.29
4	(7.0, 9.0]	6360	91.00%	5594	766	12.04%	7.30
5	(9.0, inf]	2331	100.00%	2117	214	9.18%	9.89
合计		25897		21592	4305	16.62%	5.02

tot_pay_amt_6m_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 2.0]	12494	48.24%	9950	2544	20.36%	3.91
2	(2.0, 6.0]	9204	83.79%	7931	1273	13.83%	6.23
3	(6.0, inf]	4199	100.00%	3711	488	11.62%	7.60
合计		25897		21592	4305	16.62%	5.02

first_loan_length_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 3.0]	3942	15.22%	2990	952	24.15%	3.14
2	(3.0, 6.0]	5051	34.73%	3997	1054	20.87%	3.79
3	(6.0, inf]	16904	100.00%	14605	2299	13.60%	6.35
合计		25897		21592	4305	16.62%	5.02

avg_bal_6m_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 1.0]	12703	49.06%	10084	2619	20.62%	3.85
2	(1.0, 3.0]	3378	62.10%	2866	512	15.16%	5.60
3	(3.0, 8.0]	7816	92.28%	6843	973	12.45%	7.03
4	(8.0, inf]	1998	100.00%	1799	199	9.96%	9.04
合计		25895		21592	4303	16.62%	5.02

repay_amt_6m_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 2.0]	14526	56.09%	11537	2989	20.58%	3.86
2	(2.0, 3.0]	1280	61.03%	1059	221	17.27%	4.79
3	(3.0, 5.0]	4463	78.27%	3832	631	14.14%	6.07
4	(5.0, 7.0]	3495	91.76%	3172	323	9.24%	9.82
5	(7.0, inf]	2133	100.00%	1992	141	6.61%	14.13
合计		25897		21592	4305	16.62%	5.02

positive_biz_cnt_1y_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 4.0]	10798	41.70%	8600	2198	20.36%	3.91
2	(4.0, inf]	15099	100.00%	12992	2107	13.95%	6.17
合计		25897		21592	4305	16.62%	5.02

risk_score

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 2.0]	15038	58.07%	13326	1712	11.38%	7.78
2	(2.0, 3.0]	4851	76.80%	3869	982	20.24%	3.94
3	(3.0, 4.0]	2864	87.86%	2150	714	24.93%	3.01
4	(4.0, inf]	3144	100.00%	2247	897	28.53%	2.51
合计		25897		21592	4305	16.62%	5.02

cust_seg2

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 3.0]	19324	74.62%	16620	2704	13.99%	6.15
2	(3.0, inf]	6573	100.00%	4972	1601	24.36%	3.11
合计		25897		21592	4305	16.62%	5.02

dev_stability_grade2

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 2.0]	13796	53.27%	11801	1995	14.46%	5.92
2	(2.0, 3.0]	6566	78.63%	5405	1161	17.68%	4.66
3	(3.0, inf]	5535	100.00%	4386	1149	20.76%	3.82
合计		25897		21592	4305	16.62%	5.02

repayment_ability_rank2

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 2.0]	9701	37.46%	8422	1279	13.18%	6.58
2	(2.0, 3.0]	9376	73.66%	7724	1652	17.62%	4.68
3	(3.0, inf]	6820	100.00%	5446	1374	20.15%	3.96
合计		25897		21592	4305	16.62%	5.02

13 压力测试

注：验证压力情境下模型的有效性和区分能力稳定性：a.坏浓度更高样本 b.时间外样本 c.特定特征客群 d.极端时间样本。当前流程自动生成情景1（跨时间 OOT 样本），其余情景需人工构造样本后补充。

测试情景1：跨时间(OOT)样本

变量贡献度

变量	贡献度
risk_score	0.1349
repay_amt_6m_grade	0.0823
model_risk_v9_sxiaojin_score	0.0728
ScoreCust2	0.0548
dxm_2025v2	0.0415
score_50021	0.0414
ScoreCust1	0.0405
first_loan_length_grade	0.0394
model_risk_v9_stongyong_score	0.0381
cust_seg2	0.0336

区分度验证 — XGBoost @ OOT

KS = 0.2482，GINI = 0.3380

组号	分数区间(PD)	样本数	累计占比	Good	Bad	累计Good占比	累计Bad占比	分组坏率	累计坏率	分组Odds	累计Odds
1	0.0007 ~ 0.0290	520	10.00%	501	19	12.20%	1.74%	3.65%	3.65%	26.37	26.37
2	0.0290 ~ 0.0528	520	20.01%	457	63	11.13%	7.51%	12.12%	7.88%	7.25	11.68
3	0.0528 ~ 0.0762	520	30.01%	448	72	10.91%	14.10%	13.85%	9.87%	6.22	9.13
4	0.0762 ~ 0.1006	519	40.00%	435	84	10.59%	21.79%	16.18%	11.45%	5.18	7.74
5	0.1008 ~ 0.1275	520	50.00%	424	96	10.33%	30.59%	18.46%	12.85%	4.42	6.78
6	0.1275 ~ 0.1597	520	60.00%	398	122	9.69%	41.76%	23.46%	14.62%	3.26	5.84
7	0.1600 ~ 0.1956	519	69.99%	402	117	9.79%	52.47%	22.54%	15.75%	3.44	5.35
8	0.1956 ~ 0.2445	520	79.99%	370	150	9.01%	66.21%	28.85%	17.39%	2.47	4.75
9	0.2445 ~ 0.3097	520	90.00%	360	160	8.77%	80.86%	30.77%	18.88%	2.25	4.30
10	0.3097 ~ 0.7491	520	100.00%	311	209	7.57%	100.00%	40.19%	21.01%	1.49	3.76
TOTALS		5198		4106	1092			21.01%		—	3.76