风控模型开发验证报告

实验 ID: 20260908-155106-3257 · 生成时间: 2026-09-08 07:51 UTC · 报告结构：标准14节模型开发验证模板

00 模型概要信息

项目内容
模型名称exp_20260908-155106-3257
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LR + WOE 评分卡
目标变量flag_30
实验 ID20260908-155106-3257
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2025-03-01 ~ 2025-04-30
预留验证样本(Val)窗口2025-05-01 ~ 2025-05-14
跨时间验证样本(OOT)窗口2025-05-15 ~ 2026-04-17

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
1credit_no主键/时间/口径字段，不入模
2apply_dt主键/时间/口径字段，不入模
3flag_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1582213184263816.67%
预留验证样本5210457663412.17%

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)49543894106021.40%

03 单变量分析（细分箱）

risk_score — IV 0.0799，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]398137272546.38%0.2728
2(1.5, 2.5]5083436272114.18%0.0718
3(2.5, 3.5]2829224258720.75%-0.0757
4(3.5, 4.5]1751133142023.99%-0.0929
5(4.5, 5.5]102672330329.53%-0.1032
6(5.5, inf]108674534131.40%-0.1234
cust_seg2 — IV 0.0638，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]361333192948.14%0.2071
2(2.5, 3.5]79146652126215.95%0.0262
3(3.5, inf]42293159107025.30%-0.2032
ScoreCust2 — IV 0.0614，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 550.5]106273932330.41%-0.1129
2(550.5, 603.5]1536112341326.89%-0.1152
3(603.5, 684.5]3027239463320.91%-0.0823
4(684.5, 702.5]89673116518.42%-0.0128
5(702.5, 723.5]104081122922.02%-0.0441
6(723.5, 747.5]1247102022718.20%-0.0150
7(747.5, 784.5]1927164528214.63%0.0289
8(784.5, 802.5]88077710311.70%0.0362
9(802.5, 844.5]162514841418.68%0.1014
10(844.5, inf]258224611214.69%0.2294
repay_amt_6m_grade — IV 0.0587，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]81076344176321.75%-0.1751
2(1.5, 3.5]1714141430017.50%-0.0107
3(3.5, 4.5]101985616316.00%0.0055
4(4.5, 5.5]1491130918212.21%0.0520
5(5.5, 6.5]138212761067.67%0.1000
6(6.5, inf]204319311125.48%0.1760
ScoreCust1 — IV 0.0572，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 569.5]85159725429.85%-0.0895
2(569.5, 622.5]1461107039126.76%-0.1093
3(622.5, 644.5]81564417120.98%-0.0287
4(644.5, 679.5]1489114434523.17%-0.0724
5(679.5, 707.5]1482117630620.65%-0.0446
6(707.5, 726.5]100983717217.05%-0.0031
7(726.5, 749.5]1349108226719.79%-0.0324
8(749.5, 786.5]2197189330413.84%0.0450
9(786.5, 833.5]2239197526411.79%0.0795
10(833.5, inf]293027671635.56%0.2339
model_risk_v9_stongyong_score — IV 0.0536，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 28.5]901873283.11%0.1039
2(28.5, 38.5]204919071426.93%0.1523
3(38.5, 44.5]2366211525110.61%0.1039
4(44.5, 46.5]99085813213.33%0.0267
5(46.5, 48.5]105489016415.56%0.0090
6(48.5, 54.5]3128257055817.84%-0.0251
7(54.5, 56.5]92171720422.15%-0.0414
8(56.5, 59.5]1291102526620.60%-0.0402
9(59.5, 64.5]1572118139124.87%-0.0964
10(64.5, inf]143195947232.98%-0.1722
first_loan_length_grade — IV 0.0523，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]2050153251825.27%-0.1228
2(1.5, 4.5]124490334127.41%-0.1020
3(4.5, 5.5]118992726222.04%-0.0499
4(5.5, 6.5]1491120129019.45%-0.0316
5(6.5, inf]97828567121512.42%0.1799
model_risk_v9_sxiaojin_score — IV 0.0501，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 29.5]1010974363.56%0.1114
2(29.5, 35.5]12501169816.48%0.1040
3(35.5, 42.5]290226162869.86%0.1378
4(42.5, 46.5]2255194531013.75%0.0468
5(46.5, 50.5]2409201539416.36%0.0043
6(50.5, 53.5]1628129932920.21%-0.0440
7(53.5, 55.5]94570923624.97%-0.0635
8(55.5, 58.5]115988527423.64%-0.0639
9(58.5, 62.5]109379429927.36%-0.0920
10(62.5, inf]105268936334.51%-0.1455
risk_v8_slowirr — IV 0.0480，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 19.5]10791049302.78%0.1259
2(19.5, 26.5]11681088806.85%0.0942
3(26.5, 31.5]1016928888.66%0.0673
4(31.5, 37.5]1452128117111.78%0.0555
5(37.5, 46.5]2577221136614.20%0.0435
6(46.5, 49.5]86271614616.94%-0.0024
7(49.5, 56.5]2071166640519.56%-0.0438
8(56.5, 61.5]1425117425117.61%-0.0111
9(61.5, 70.5]2251173551622.92%-0.0984
10(70.5, inf]1797124355430.83%-0.1803
have_car_prob_grade — IV 0.0447，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]96337705192820.01%-0.1272
2(1.5, inf]6123542569811.40%0.1760
score_50021 — IV 0.0440，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.005150000099092722]12021154483.99%0.1278
2(0.005150000099092722, 0.007949999999254942]160814891197.40%0.1189
3(0.007949999999254942, 0.009650000371038914]109795014713.40%0.0289
4(0.009650000371038914, 0.012349999975413084]1795159719811.03%0.0776
5(0.012349999975413084, 0.014750000089406967]1541132521614.02%0.0312
6(0.014750000089406967, 0.02075000014156103]3214265955517.27%-0.0144
7(0.02075000014156103, 0.02365000080317259]109683526123.81%-0.0635
8(0.02365000080317259, 0.02715000044554472]106384022320.98%-0.0379
9(0.02715000044554472, 0.040550000965595245]1891141247925.33%-0.1194
10(0.040550000965595245, inf]96464432033.20%-0.1275
score92663 — IV 0.0435，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 31.715349197387695]919894252.72%0.1090
2(31.715349197387695, 38.77465057373047]167415501247.41%0.1217
3(38.77465057373047, 42.77254867553711]1415127214310.11%0.0735
4(42.77254867553711, 46.850149154663086]1772156320911.79%0.0654
5(46.850149154663086, 51.011600494384766]1970162035017.77%-0.0167
6(51.011600494384766, 54.091299057006836]1445122721815.09%0.0172
7(54.091299057006836, 59.89684867858887]2771221156020.21%-0.0664
8(59.89684867858887, 63.64575004577637]1450109635424.41%-0.0854
9(63.64575004577637, 66.37909698486328]78661716921.50%-0.0318
10(66.37909698486328, inf]1496104145530.41%-0.1518
adr_stability_grade — IV 0.0398，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]43743359101523.21%-0.1595
2(1.5, 3.5]92369023325.24%-0.0634
3(3.5, 5.5]1602128731519.66%-0.0360
4(5.5, 6.5]1508126524316.11%0.0064
5(6.5, 7.5]2307198032714.17%0.0412
6(7.5, 8.5]1751154820311.59%0.0680
7(8.5, 9.5]1852166518710.10%0.0929
8(9.5, inf]143913361037.16%0.1097
tot_pay_amt_6m_grade — IV 0.0380，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]58714534133722.77%-0.1771
2(1.5, 2.5]2131178135016.42%0.0037
3(2.5, 3.5]1437122721014.61%0.0230
4(3.5, 4.5]1770153223813.45%0.0432
5(4.5, 5.5]1337116417312.94%0.0395
6(5.5, 6.5]8307418910.72%0.0414
7(6.5, 7.5]8807899110.34%0.0465
8(7.5, inf]150013621389.20%0.0886
model_1034467 — IV 0.0369，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.0710735023021698]15351453825.34%0.1437
2(0.0710735023021698, 0.07787349820137024]118310651189.97%0.0657
3(0.07787349820137024, 0.08219949901103973]82370911413.85%0.0191
4(0.08219949901103973, 0.08883550018072128]129111851068.21%0.0907
5(0.08883550018072128, 0.0934550017118454]89176612514.03%0.0192
6(0.0934550017118454, 0.09958449751138687]1415116824717.46%-0.0106
7(0.09958449751138687, 0.1323539987206459]4109328582420.05%-0.0876
8(0.1323539987206459, 0.14288699626922607]76258517723.23%-0.0439
9(0.14288699626922607, 0.16508999466896057]118296521718.36%-0.0179
10(0.16508999466896057, inf]1921143448725.35%-0.1245
positive_biz_cnt_1y_grade — IV 0.0357，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]46733655101821.78%-0.1314
2(1.5, 3.5]1842150633618.24%-0.0213
3(3.5, 8.5]1337107626119.52%-0.0295
4(8.5, inf]79046893101112.79%0.1468
dxm_2025v2 — IV 0.0356，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 365.5]79958021927.41%-0.0693
2(365.5, 374.5]97973324625.13%-0.0656
3(374.5, 379.5]87963724227.53%-0.0763
4(379.5, 387.5]1648126838023.06%-0.0773
5(387.5, 398.5]2744221453019.31%-0.0483
6(398.5, 401.5]86273312914.97%0.0121
7(401.5, 412.5]2883241546816.23%0.0084
8(412.5, 422.5]1917169122611.79%0.0701
9(422.5, 443.5]192417671578.16%0.1250
10(443.5, inf]11871147403.37%0.1305
bh_CO4001score — IV 0.0345，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 35.5]11651109564.81%0.1139
2(35.5, 39.5]167615361408.35%0.1085
3(39.5, 42.5]2007174226513.20%0.0513
4(42.5, 45.5]2245192432114.30%0.0382
5(45.5, 46.5]92676416217.49%-0.0062
6(46.5, 47.5]80268511714.59%0.0138
7(47.5, 50.5]2508205445418.10%-0.0247
8(50.5, 53.5]2198165054824.93%-0.1242
9(53.5, 55.5]88667720923.59%-0.0494
10(55.5, inf]1408104336525.92%-0.0975
PY083P — IV 0.0333，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 518.5]79257222027.78%-0.0722
2(518.5, 571.5]2334173260225.79%-0.1450
3(571.5, 584.5]99778021721.77%-0.0414
4(584.5, 597.5]122199123018.84%-0.0216
5(597.5, 629.5]3293273455916.98%-0.0079
6(629.5, 657.5]2559218037914.81%0.0321
7(657.5, 674.5]113499314112.43%0.0385
8(674.5, 689.5]8037168710.83%0.0391
9(689.5, 734.5]142813031258.75%0.0899
10(734.5, inf]11481100484.18%0.1191
avg_bal_6m_grade — IV 0.0312，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]78776243163420.74%-0.1402
2(1.5, 3.5]2058172133716.38%0.0044
3(3.5, 5.5]2042179125112.29%0.0663
4(5.5, 6.5]1285111616913.15%0.0359
5(6.5, 7.5]8577639410.97%0.0408
6(7.5, inf]163714961418.61%0.1033
model_1034468 — IV 0.0259，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.07395549863576889]190717891186.19%0.1594
2(0.07395549863576889, 0.08735150098800659]3340288545513.62%0.0659
3(0.08735150098800659, 0.09130899980664253]97379817517.99%-0.0120
4(0.09130899980664253, 0.09519950300455093]76265610613.91%0.0175
5(0.09519950300455093, 0.10096599906682968]95975120821.69%-0.0416
6(0.10096599906682968, 0.10976199805736542]1198100719115.94%0.0058
7(0.10976199805736542, 0.13253449648618698]2200178641418.82%-0.0371
8(0.13253449648618698, 0.14993049949407578]122594827722.61%-0.0604
9(0.14993049949407578, 0.19136500358581543]1621129432720.17%-0.0460
10(0.19136500358581543, inf]92770122624.38%-0.0610
repayment_ability_rank2 — IV 0.0256，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]166515061599.55%0.0922
2(1.5, 2.5]4245370454112.74%0.1023
3(2.5, 3.5]55514551100018.01%-0.0396
4(3.5, inf]4295336992621.56%-0.1195
xmf_v11xj — IV 0.0229，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 397.5]2559198257722.55%-0.1021
2(397.5, 410.5]2655214051519.40%-0.0501
3(410.5, 415.5]1229100422518.31%-0.0165
4(415.5, 418.5]84872412414.62%0.0142
5(418.5, 422.5]84569914617.28%-0.0046
6(422.5, 426.5]80563217321.49%-0.0325
7(426.5, 433.5]114194020117.62%-0.0092
8(433.5, 444.5]1553130924415.71%0.0109
9(444.5, 475.5]2830251231811.24%0.1071
10(475.5, inf]11571084736.31%0.0992
zszs_xy_score — IV 0.0200，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 685.5]1466108238426.19%-0.1063
2(685.5, 692.5]111386524822.28%-0.0507
3(692.5, 696.5]79259919324.37%-0.0511
4(696.5, 701.5]114194319817.35%-0.0071
5(701.5, 704.5]86569017520.23%-0.0261
6(704.5, 712.5]2425200242317.44%-0.0147
7(712.5, 731.5]4836413869814.43%0.0607
8(731.5, 737.5]983896878.85%0.0640
9(737.5, 749.5]1132101112110.69%0.0551
10(749.5, inf]818763556.72%0.0694
dev_stability_grade2 — IV 0.0179，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1847162122612.24%0.0619
2(1.5, 2.5]6332542790514.29%0.0782
3(2.5, 3.5]3996328571117.79%-0.0270
4(3.5, inf]3581279778421.89%-0.1133
mobile_fixed_grade — IV 0.0175，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]103684918718.05%-0.0115
2(2.5, 4.5]1546126128518.43%-0.0207
3(4.5, 5.5]106485221219.92%-0.0277
4(5.5, 6.5]1857143242522.89%-0.0831
5(6.5, 7.5]3633294868518.85%-0.0489
6(7.5, 8.5]2735230842715.61%0.0197
7(8.5, 9.5]2667236530211.32%0.1006
8(9.5, inf]121811151038.46%0.0813
have_fang_prob_grade — IV 0.0144，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]105128578193418.40%-0.0696
2(1.5, inf]5244455269213.20%0.1034
bh_a104 — IV 0.0130，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]84567268118814.05%0.0845
2(0.5, 1.5]1725135836721.28%-0.0755
3(1.5, 2.5]1240101922117.82%-0.0198
4(2.5, 6.5]1607129431319.48%-0.0472
5(6.5, inf]75362912416.47%-0.0030
bh_a113 — IV 0.0130，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]84567268118814.05%0.0845
2(0.5, 1.5]3227260861919.18%-0.0721
3(1.5, 2.5]114391223120.21%-0.0432
4(2.5, inf]95578017518.32%-0.0203
last_6m_avg_asset_total_grade — IV 0.0119，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]79906463152719.11%-0.0861
2(1.5, 2.5]1195101817714.81%0.0177
3(2.5, 3.5]3002252747515.82%0.0169
4(3.5, 4.5]98684614014.20%0.0199
5(4.5, 5.5]85373711613.60%0.0217
6(5.5, inf]1730153919111.04%0.0748
bh_a112 — IV 0.0096，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96788263141514.62%0.0637
2(0.5, 1.5]2892232556719.61%-0.0758
3(1.5, inf]121198023119.08%-0.0331
bh_a111 — IV 0.0092，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]111879511167614.98%0.0503
2(0.5, inf]2594205753720.70%-0.0914
bh_h171 — IV 0.0090，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 9.069999694824219]98988447145114.66%0.0625
2(9.069999694824219, 48.6200008392334]2833229254119.10%-0.0643
3(48.6200008392334, inf]105082922121.05%-0.0482
bh_a103 — IV 0.0082，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96788263141514.62%0.0637
2(0.5, 1.5]1545122831720.52%-0.0594
3(1.5, 2.5]111390321018.87%-0.0287
4(2.5, inf]1445117427118.75%-0.0343
bh_h163 — IV 0.0081，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 11.444999694824219]106369056158014.86%0.0552
2(11.444999694824219, 48.88999938964844]2328186146720.06%-0.0731
3(48.88999938964844, inf]81765116620.32%-0.0331
bh_a102 — IV 0.0069，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]111879511167614.98%0.0503
2(0.5, 1.5]121694627022.20%-0.0669
3(1.5, inf]1378111126719.38%-0.0405
bh_a211 — IV 0.0069，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.9649999737739563]1490126822214.90%0.0154
2(1.9649999737739563, 23.835000038146973]1748155019811.33%0.0729
3(23.835000038146973, 33.14000129699707]88574014516.38%-0.0027
4(33.14000129699707, 36.89500045776367]6906038712.61%0.0235
5(36.89500045776367, 47.439998626708984]1374113523917.39%-0.0163
6(47.439998626708984, 53.68000030517578]108493714713.56%0.0255
7(53.68000030517578, 67.01499938964844]2138177636216.93%-0.0152
8(67.01499938964844, 72.25]71256115121.21%-0.0353
9(72.25, 83.625]1393115923416.80%-0.0092
10(83.625, inf]2257183042718.92%-0.0514
bh_h155 — IV 0.0063，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 15.6899995803833]115569811174515.10%0.0452
2(15.6899995803833, 48.35999870300293]79263615619.70%-0.0276
3(48.35999870300293, inf]1433112131221.77%-0.0712
bh_h001 — IV 0.0059，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]4780408070014.64%0.0436
2(1.5, 2.5]3876330357314.78%0.0345
3(2.5, 3.5]2672221046217.29%-0.0253
4(3.5, inf]2458197947919.49%-0.0654
score_dz — IV 0.0058，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 520.0]73262710514.34%0.0123
2(520.0, 557.5]114891023820.73%-0.0487
3(557.5, 611.0]3775309368218.07%-0.0518
4(611.0, 630.0]75963412516.47%-0.0030
5(630.0, 677.0]1544132022414.51%0.0212
6(677.0, 701.0]78665113517.18%-0.0084
7(701.0, 751.5]1465126719813.52%0.0335
8(751.5, 780.0]87877710111.50%0.0387
9(780.0, 813.0]111393517815.99%0.0007
10(813.0, inf]1586135822814.38%0.0236
bh_a220 — IV 0.0057，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 10.554999828338623]1508128222614.99%0.0144
2(10.554999828338623, 32.665000915527344]1182103115112.78%0.0362
3(32.665000915527344, 45.30500030517578]2087179529213.99%0.0362
4(45.30500030517578, 54.10999870300293]2566219137514.61%0.0295
5(54.10999870300293, 59.545000076293945]82467415018.20%-0.0169
6(59.545000076293945, 63.2450008392334]86374611713.56%0.0208
7(63.2450008392334, 68.81999969482422]1401116223917.06%-0.0124
8(68.81999969482422, 77.09500122070312]111890021819.50%-0.0352
9(77.09500122070312, 5098.075000762939]75157018124.10%-0.0575
10(5098.075000762939, inf]1471120826317.88%-0.0235
bh_a101 — IV 0.0057，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1228610405188115.31%0.0360
2(0.5, inf]1495116333222.21%-0.0792
bh_a110 — IV 0.0057，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1228610405188115.31%0.0360
2(0.5, inf]1495116333222.21%-0.0792
bh_h006 — IV 0.0056，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.10499999672174454]1599134025916.20%-0.0019
2(0.10499999672174454, 0.5349999964237213]7886929612.18%0.0298
3(0.5349999964237213, 0.7000000178813934]78565013517.20%-0.0086
4(0.7000000178813934, 2.0649999380111694]3651314850313.78%0.0598
5(2.0649999380111694, 2.725000023841858]1399114925017.87%-0.0225
6(2.725000023841858, 3.4850000143051147]110294915313.88%0.0224
7(3.4850000143051147, 4.375]108389418917.45%-0.0140
8(4.375, 7.115000009536743]1889153835118.58%-0.0397
9(7.115000009536743, 9.255000114440918]70855815021.19%-0.0350
10(9.255000114440918, inf]77765012716.34%-0.0022
bh_a056 — IV 0.0049，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]91497781136814.95%0.0476
2(0.5, 1.5]2346196238416.37%-0.0058
3(1.5, 2.5]78662416220.61%-0.0342
4(2.5, inf]1500120129919.93%-0.0505
bh_a218 — IV 0.0046，9 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 20.71500015258789]2262193233014.59%0.0302
2(20.71500015258789, 39.56500053405762]1271106620516.13%-0.0003
3(39.56500053405762, 45.80000114440918]66454811617.47%-0.0097
4(45.80000114440918, 58.11000061035156]2409207733213.78%0.0487
5(58.11000061035156, 66.29000091552734]78163414718.82%-0.0223
6(66.29000091552734, 68.9900016784668]101284616616.40%-0.0031
7(68.9900016784668, 91.29000091552734]1368110126719.52%-0.0448
8(91.29000091552734, 10150.0]1542131522714.72%0.0204
9(10150.0, inf]114893221618.82%-0.0309
bh_a047 — IV 0.0045，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]91497781136814.95%0.0476
2(0.5, 1.5]1491124824316.30%-0.0032
3(1.5, 2.5]76664711915.54%0.0039
4(2.5, 4.5]80664416220.10%-0.0311
5(4.5, 10.5]86167818321.25%-0.0422
6(10.5, inf]70857013819.49%-0.0235
bh_a219 — IV 0.0045，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 31.414999961853027]2685227740815.20%0.0202
2(31.414999961853027, 39.44499969482422]102288813413.11%0.0300
3(39.44499969482422, 47.21500015258789]92177015116.40%-0.0023
4(47.21500015258789, 51.78499984741211]2030175028013.79%0.0410
5(51.78499984741211, 59.760000228881836]82068014017.07%-0.0075
6(59.760000228881836, 63.52499961853027]75764311415.06%0.0082
7(63.52499961853027, 74.7750015258789]1784148330116.87%-0.0113
8(74.7750015258789, 91.98999786376953]1267100126620.99%-0.0561
9(91.98999786376953, 10150.0]107790717015.78%0.0037
10(10150.0, inf]99480219219.32%-0.0301
bh_a178 — IV 0.0045，9 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.609999895095825]5326455077614.57%0.0570
2(4.609999895095825, 9.46500015258789]1266106719915.72%0.0061
3(9.46500015258789, 12.539999961853027]84970714216.73%-0.0047
4(12.539999961853027, 17.684999465942383]102082119919.51%-0.0343
5(17.684999465942383, 22.46500015258789]68957711216.26%-0.0004
6(22.46500015258789, 30.90000057220459]76861715119.66%-0.0280
7(30.90000057220459, 40.52499961853027]64954610315.87%0.0023
8(40.52499961853027, 60.43499946594238]67654712919.08%-0.0209
9(60.43499946594238, inf]104486418017.24%-0.0111
BH_A352 — IV 0.0043，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]6249532192814.85%0.0433
2(0.5, 1.5]3584302955515.49%0.0146
3(1.5, 2.5]1799150229716.51%-0.0069
4(2.5, 3.5]96679017618.22%-0.0196
5(3.5, inf]118392625721.72%-0.0604
BH_A355 — IV 0.0043，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2247191733014.69%0.0252
2(0.5, 1.5]3054262942513.92%0.0496
3(1.5, 2.5]2174182135316.24%-0.0032
4(2.5, 3.5]1550129525516.45%-0.0053
5(3.5, 4.5]114294120117.60%-0.0162
6(4.5, 5.5]81268113116.13%-0.0006
7(5.5, 9.5]1706136733919.87%-0.0551
8(9.5, inf]109691717916.33%-0.0028
BH_A354 — IV 0.0042，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3341283850315.06%0.0245
2(0.5, 1.5]3503301548813.93%0.0542
3(1.5, 2.5]2227185637116.66%-0.0108
4(2.5, 3.5]1500125124916.60%-0.0072
5(3.5, 5.5]1706138931718.58%-0.0367
6(5.5, 7.5]74959515420.56%-0.0324
7(7.5, inf]75562413117.35%-0.0094
bh_h003 — IV 0.0041，9 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.6550000011920929]65345510102415.67%0.0140
2(0.6550000011920929, 0.8149999976158142]82270911313.75%0.0184
3(0.8149999976158142, 1.1050000190734863]69157411716.93%-0.0059
4(1.1050000190734863, 1.4950000047683716]75463511915.78%0.0020
5(1.4950000047683716, 1.8049999475479126]91579112413.55%0.0220
6(1.8049999475479126, 2.6049998998641968]1222106315913.01%0.0345
7(2.6049998998641968, 3.4850000143051147]101481420019.72%-0.0345
8(3.4850000143051147, 4.7850000858306885]77164912215.82%0.0018
9(4.7850000858306885, inf]105882323522.21%-0.0596
bh_a201 — IV 0.0041，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 8.574999809265137]1902161328915.19%0.0177
2(8.574999809265137, 28.0600004196167]109289220018.32%-0.0233
3(28.0600004196167, 35.5]87874313515.38%0.0076
4(35.5, 47.72500038146973]77964113817.71%-0.0125
5(47.72500038146973, 61.64999961853027]2227191631113.96%0.0445
6(61.64999961853027, 69.78499984741211]97580916617.03%-0.0083
7(69.78499984741211, 95.32500076293945]1228100322518.32%-0.0258
8(95.32500076293945, 10150.0]1585136921613.63%0.0394
9(10150.0, 10250.0]78163015119.33%-0.0258
10(10250.0, inf]84068016019.05%-0.0250
bh_a210 — IV 0.0041，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.884999990463257]1861158028115.10%0.0169
2(3.884999990463257, 26.545000076293945]1678147120712.34%0.0576
3(26.545000076293945, 40.1200008392334]1550130324715.94%0.0029
4(40.1200008392334, 56.55000114440918]2049169535417.28%-0.0196
5(56.55000114440918, 62.279998779296875]79469110312.97%0.0251
6(62.279998779296875, 67.02499771118164]81568313216.20%-0.0004
7(67.02499771118164, 73.55500030517578]68354314020.50%-0.0296
8(73.55500030517578, 80.93999862670898]89374714616.35%-0.0018
9(80.93999862670898, 95.95500183105469]93475318119.38%-0.0291
10(95.95500183105469, inf]2100173536517.38%-0.0217
bh_a150 — IV 0.0041，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]57024702100017.54%-0.0489
2(0.5, 1.5]3489296252715.10%0.0240
3(1.5, 2.5]1877156431316.68%-0.0098
4(2.5, 3.5]114597217315.11%0.0101
5(3.5, inf]1568136820012.76%0.0461
bh_a009 — IV 0.0041，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]3483286761617.69%-0.0400
2(2.5, 3.5]87970817119.45%-0.0282
3(3.5, 6.5]1894158830616.16%-0.0016
4(6.5, 8.5]86073412614.65%0.0116
5(8.5, 10.5]71358712617.67%-0.0112
6(10.5, 24.5]2947253241514.08%0.0446
7(24.5, 32.5]86175610512.20%0.0322
8(32.5, 43.5]74862412416.58%-0.0038
9(43.5, 59.5]70257412818.23%-0.0148
10(59.5, inf]6945989613.83%0.0152
bh_a126 — IV 0.0040，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]77226522120015.54%0.0205
2(0.5, 1.5]3356287048614.48%0.0388
3(1.5, 2.5]1436118025617.83%-0.0225
4(2.5, inf]126799627121.39%-0.0602
bh_h004 — IV 0.0040，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.125]4204354466015.70%0.0101
2(0.125, 0.6650000214576721]1141100114012.27%0.0405
3(0.6650000214576721, 0.8899999856948853]89675114516.18%-0.0011
4(0.8899999856948853, 1.2450000047683716]87476111312.93%0.0264
5(1.2450000047683716, 1.5149999856948853]106188617516.49%-0.0043
6(1.5149999856948853, 1.8949999809265137]7286319713.32%0.0195
7(1.8949999809265137, 2.4350000619888306]87173813315.27%0.0066
8(2.4350000619888306, 2.875]69056312718.41%-0.0158
9(2.875, 5.634999990463257]2208182538317.35%-0.0230
10(5.634999990463257, inf]110886824021.66%-0.0565
BH_A353 — IV 0.0040，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5197442477314.87%0.0383
2(0.5, 1.5]3686314354314.73%0.0347
3(1.5, 2.5]1998165034817.42%-0.0225
4(2.5, 3.5]116096519516.81%-0.0080
5(3.5, 4.5]73358614720.05%-0.0282
6(4.5, inf]100780020720.56%-0.0419
bh_h005 — IV 0.0039，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.23499999940395355]3272275152115.92%0.0032
2(0.23499999940395355, 0.6150000095367432]107994613312.33%0.0380
3(0.6150000095367432, 0.8149999976158142]78465313116.71%-0.0049
4(0.8149999976158142, 1.1449999809265137]81871010813.20%0.0227
5(1.1449999809265137, 2.284999966621399]2882245642614.78%0.0282
6(2.284999966621399, 2.690000057220459]75661314318.92%-0.0208
7(2.690000057220459, 4.055000066757202]1620137324715.25%0.0115
8(4.055000066757202, 5.615000009536743]111290720518.44%-0.0243
9(5.615000009536743, 7.615000009536743]76258517723.23%-0.0520
10(7.615000009536743, inf]69657412217.53%-0.0100
BH_A342 — IV 0.0039，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]6249532192814.85%0.0433
2(0.5, 1.5]2263190136216.00%0.0011
3(1.5, 2.5]1239106417514.12%0.0220
4(2.5, 4.5]1548130124715.96%0.0014
5(4.5, 6.5]95976819119.92%-0.0346
6(6.5, 9.5]75759316421.66%-0.0406
7(9.5, inf]76662014619.06%-0.0221
bh_a179 — IV 0.0039，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 7.0]4393374065314.86%0.0417
2(7.0, 12.305000305175781]108294114113.03%0.0354
3(12.305000305175781, 14.974999904632568]6265279915.81%0.0027
4(14.974999904632568, 18.015000343322754]63950913020.34%-0.0285
5(18.015000343322754, 21.229999542236328]65655510115.40%0.0058
6(21.229999542236328, 25.59500026702881]77764213517.37%-0.0096
7(25.59500026702881, 31.18000030517578]61448712720.68%-0.0297
8(31.18000030517578, 37.21500015258789]6185239515.37%0.0056
9(37.21500015258789, 69.8499984741211]1590130029018.24%-0.0305
10(69.8499984741211, inf]1292107222017.03%-0.0105
BH_A343 — IV 0.0039，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5197442477314.87%0.0383
2(0.5, 1.5]2176185432214.80%0.0226
3(1.5, 2.5]1283108020315.82%0.0028
4(2.5, 3.5]96180515616.23%-0.0016
5(3.5, 4.5]75264310914.49%0.0115
6(4.5, 7.5]1432117425818.02%-0.0248
7(7.5, 12.5]114890524321.17%-0.0532
8(12.5, inf]83268314917.91%-0.0147
bh_a160 — IV 0.0038，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 5.5]1825146835719.56%-0.0550
2(5.5, 20.5]2869239747216.45%-0.0059
3(20.5, 29.5]98685013613.79%0.0243
4(29.5, 38.5]71257513719.24%-0.0228
5(38.5, 59.5]111593418116.23%-0.0004
6(59.5, 85.5]94081912112.87%0.0323
7(85.5, 144.5]1452122123115.91%0.0040
8(144.5, 190.5]6425558713.55%0.0182
9(190.5, 423.5]118798720016.85%-0.0077
10(423.5, inf]77667310313.27%0.0240
BH_A350 — IV 0.0038，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98218309151215.40%0.0292
2(0.5, 1.5]2637222441315.66%0.0082
3(1.5, inf]1323103528821.77%-0.0667
BH_A345 — IV 0.0037，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]3672314552714.35%0.0447
2(1.5, 2.5]112995417515.50%0.0058
3(2.5, 3.5]95978517418.14%-0.0188
4(3.5, 4.5]83272211013.22%0.0229
5(4.5, 7.5]1642137726516.14%-0.0011
6(7.5, 9.5]79867812015.04%0.0079
7(9.5, 20.5]2455201244318.04%-0.0382
8(20.5, 28.5]79966413516.90%-0.0064
9(28.5, 45.5]79363216120.30%-0.0321
10(45.5, inf]70259910314.67%0.0095
bh_h010 — IV 0.0036，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.165000081062317]87687453131515.00%0.0447
2(2.165000081062317, 2.215000033378601]74361213117.63%-0.0113
3(2.215000033378601, 2.274999976158142]86871115718.09%-0.0167
4(2.274999976158142, 2.6350001096725464]92577714816.00%0.0005
5(2.6350001096725464, 4.770000219345093]1270104622417.64%-0.0181
6(4.770000219345093, inf]120796923819.72%-0.0399
bh_a066 — IV 0.0036，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5221445976214.59%0.0476
2(0.5, 1.5]1245105419115.34%0.0082
3(1.5, 2.5]85770015718.32%-0.0184
4(2.5, 4.5]1352109226019.23%-0.0381
5(4.5, 6.5]94680614014.80%0.0113
6(6.5, 8.5]74761613117.54%-0.0107
7(8.5, 12.5]96878718118.70%-0.0239
8(12.5, 17.5]87673014616.67%-0.0051
9(17.5, 26.5]78266411815.09%0.0073
10(26.5, inf]78766012716.14%-0.0006
bh_h011 — IV 0.0036，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.9649999737739563]77166560115614.98%0.0428
2(0.9649999737739563, 2.084999918937683]83569713816.53%-0.0038
3(2.084999918937683, 2.1700000762939453]1748144830017.16%-0.0165
4(2.1700000762939453, 3.25]107091215814.77%0.0129
5(3.25, 4.800000190734863]1340109524518.28%-0.0266
6(4.800000190734863, inf]107285621620.15%-0.0403
BH_A356 — IV 0.0035，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1494127222214.86%0.0159
2(0.5, 1.5]2593224335013.50%0.0529
3(1.5, 2.5]2189184334615.81%0.0045
4(2.5, 3.5]1548131623214.99%0.0147
5(3.5, 4.5]117497519916.95%-0.0096
6(4.5, 5.5]81368113216.24%-0.0014
7(5.5, 8.5]1637133929818.20%-0.0302
8(8.5, 11.5]85469116319.09%-0.0246
9(11.5, 16.5]74259714519.54%-0.0249
10(16.5, inf]73761112617.10%-0.0074
BH_A340 — IV 0.0035，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98218309151215.40%0.0292
2(0.5, 1.5]1921163528614.89%0.0191
3(1.5, 2.5]75861314519.13%-0.0224
4(2.5, inf]1281101127021.08%-0.0573
bh_a062 — IV 0.0035，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96918196149515.43%0.0276
2(0.5, 1.5]1373117519814.42%0.0203
3(1.5, 3.5]1419112329620.86%-0.0596
4(3.5, inf]1298107422417.26%-0.0140
bh_h007 — IV 0.0034，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.0549999475479126]3327281551215.39%0.0163
2(1.0549999475479126, 1.5399999618530273]1277112914811.59%0.0528
3(1.5399999618530273, 1.9950000047683716]102687814814.42%0.0158
4(1.9950000047683716, 2.3649998903274536]78363914418.39%-0.0176
5(2.3649998903274536, 3.6149998903274536]2021168933216.43%-0.0062
6(3.6149998903274536, 4.704999923706055]1271108218914.87%0.0138
7(4.704999923706055, 5.644999980926514]80464116320.27%-0.0323
8(5.644999980926514, 8.375]1539127026917.48%-0.0191
9(8.375, 11.045000076293945]72958614319.62%-0.0250
10(11.045000076293945, inf]100483916516.43%-0.0035
bh_h002 — IV 0.0033，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.15000000596046448]80486795125315.57%0.0197
2(0.15000000596046448, 0.7749999761581421]78768410313.09%0.0228
3(0.7749999761581421, 0.8849999904632568]84872712114.27%0.0146
4(0.8849999904632568, 1.6850000023841858]113293819417.14%-0.0113
5(1.6850000023841858, 2.4350000619888306]1206103716914.01%0.0228
6(2.4350000619888306, 4.065000057220459]103782721020.25%-0.0401
7(4.065000057220459, inf]72356016322.55%-0.0450
bh_a119 — IV 0.0033，9 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3832323659615.55%0.0135
2(0.5, 1.5]2034173330114.80%0.0215
3(1.5, 2.5]1430121121915.31%0.0095
4(2.5, 3.5]113396516814.83%0.0129
5(3.5, 4.5]88677111512.98%0.0263
6(4.5, 6.5]1208100420416.89%-0.0091
7(6.5, 9.5]1253104420916.68%-0.0071
8(9.5, 15.5]122996526421.48%-0.0597
9(15.5, inf]77663913717.65%-0.0119
bh_a141 — IV 0.0032，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]57024702100017.54%-0.0489
2(0.5, 1.5]2066175431215.10%0.0165
3(1.5, 2.5]1347112821916.26%-0.0024
4(2.5, 3.5]95179815316.09%-0.0003
5(3.5, 5.5]1322113618614.07%0.0239
6(5.5, 7.5]78867111714.85%0.0092
7(7.5, 11.5]82769912815.48%0.0046
8(11.5, inf]7786809812.60%0.0263
bh_a200 — IV 0.0032，9 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 13.269999980926514]4223359462914.89%0.0398
2(13.269999980926514, 20.989999771118164]87472514917.05%-0.0077
3(20.989999771118164, 30.149999618530273]97880417417.79%-0.0160
4(30.149999618530273, 38.279998779296875]114696817815.53%0.0078
5(38.279998779296875, 47.43499946594238]62851211618.47%-0.0154
6(47.43499946594238, 55.90500068664551]1510127723315.43%0.0113
7(55.90500068664551, 91.98999786376953]1253102722618.04%-0.0227
8(91.98999786376953, 10150.0]103789014714.18%0.0217
9(10150.0, inf]63849913921.79%-0.0382
bh_a075 — IV 0.0031，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5221445976214.59%0.0476
2(0.5, 1.5]3161266449715.72%0.0078
3(1.5, 2.5]1842151532717.75%-0.0263
4(2.5, 3.5]115594820717.92%-0.0197
5(3.5, 5.5]1313107124218.43%-0.0279
6(5.5, inf]108991117816.35%-0.0029
bh_h144 — IV 0.0031，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 50.0]104518844160715.38%0.0308
2(50.0, inf]3330272460618.20%-0.0508
BH_A351 — IV 0.0031，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]79946765122915.37%0.0275
2(0.5, 1.5]3331282051115.34%0.0175
3(1.5, 2.5]1330110122917.22%-0.0139
4(2.5, inf]112688224421.67%-0.0573
bh_a177 — IV 0.0031，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.225000023841858]65655548101715.49%0.0274
2(1.225000023841858, 3.9350000619888306]7826859712.40%0.0319
3(3.9350000619888306, 6.079999923706055]70056313719.57%-0.0252
4(6.079999923706055, 10.889999866485596]117395821518.33%-0.0249
5(10.889999866485596, 14.490000247955322]6325419114.40%0.0125
6(14.490000247955322, 28.164999961853027]102483219218.75%-0.0265
7(28.164999961853027, 52.22999954223633]75064110914.53%0.0134
8(52.22999954223633, inf]66152813320.12%-0.0278
bh_a199 — IV 0.0030，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 8.21999979019165]5001426373814.76%0.0486
2(8.21999979019165, 17.755000114440918]100483816616.53%-0.0034
3(17.755000114440918, 24.619999885559082]65153411717.97%-0.0124
4(24.619999885559082, 28.0600004196167]66854612218.26%-0.0148
5(28.0600004196167, 44.94499969482422]1698140629217.20%-0.0157
6(44.94499969482422, 56.69499969482422]1298109720115.49%0.0093
7(56.69499969482422, 84.52000045776367]77162015119.59%-0.0275
8(84.52000045776367, inf]119699220417.06%-0.0102
bh_a209 — IV 0.0030，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 29.760000228881836]3569304952014.57%0.0419
2(29.760000228881836, 36.415000915527344]6865978912.97%0.0232
3(36.415000915527344, 44.154998779296875]68354713619.91%-0.0276
4(44.154998779296875, 53.53000068664551]1213102219115.75%0.0043
5(53.53000068664551, 65.4849967956543]118598719816.71%-0.0071
6(65.4849967956543, 73.86000061035156]92174417719.22%-0.0294
7(73.86000061035156, 81.7249984741211]74762811915.93%0.0014
8(81.7249984741211, 93.44000244140625]70858212617.80%-0.0127
9(93.44000244140625, 10150.0]94080014014.89%0.0118
10(10150.0, inf]1805149531017.17%-0.0177
bh_a130 — IV 0.0030，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1324111720715.63%0.0051
2(0.5, 1.5]2808238142715.21%0.0184
3(1.5, 2.5]2083180328013.44%0.0458
4(2.5, 3.5]1542130024215.69%0.0050
5(3.5, 4.5]1209100620316.79%-0.0081
6(4.5, 5.5]101283417817.59%-0.0145
7(5.5, 6.5]81367513816.97%-0.0072
8(6.5, 8.5]110391618716.95%-0.0091
9(8.5, 12.5]118995023920.10%-0.0435
10(12.5, inf]69858611216.05%0.0001
bh_qu010 — IV 0.0030，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 33.5]1884161726714.17%0.0336
2(33.5, 43.5]117796221518.27%-0.0252
3(43.5, 53.0]1286111417213.37%0.0350
4(53.0, 66.5]1862156329916.06%0.0008
5(66.5, 72.0]88875912914.53%0.0146
6(72.0, 76.0]73159413718.74%-0.0204
7(76.0, 80.5]85972613315.48%0.0056
8(80.5, 84.5]89174115016.84%-0.0068
9(84.5, 90.5]1296105224418.83%-0.0343
10(90.5, inf]1583132326016.42%-0.0048
bh_a100 — IV 0.0029，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1266110692196915.55%0.0245
2(0.5, inf]112087624421.79%-0.0582
bh_a109 — IV 0.0029，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1266110692196915.55%0.0245
2(0.5, inf]112087624421.79%-0.0582
bh_a065 — IV 0.0029，9 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]6008512088814.78%0.0448
2(0.5, 1.5]1310108522517.18%-0.0132
3(1.5, 2.5]96580516016.58%-0.0047
4(2.5, 3.5]82466615819.17%-0.0245
5(3.5, 4.5]70060010014.29%0.0122
6(4.5, 6.5]97181016116.58%-0.0048
7(6.5, 9.5]99480618818.91%-0.0265
8(9.5, 14.5]91876115717.10%-0.0091
9(14.5, inf]109191517616.13%-0.0007
bh_a046 — IV 0.0028，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98848368151615.34%0.0318
2(0.5, 1.5]1494124724716.53%-0.0063
3(1.5, 3.5]114695519116.67%-0.0064
4(3.5, inf]125799825920.60%-0.0511
bh_a019 — IV 0.0028，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 15.5]3809317263716.72%-0.0243
2(15.5, 27.5]1444124320113.92%0.0276
3(27.5, 47.5]1316108623017.48%-0.0209
4(47.5, 70.5]89878011813.14%0.0259
5(70.5, 139.5]1737144828916.64%-0.0126
6(139.5, 187.5]6305369414.92%0.0065
7(187.5, 253.5]67454313119.44%-0.0259
8(253.5, 346.5]6515787311.21%0.0333
9(346.5, 544.5]69557611917.12%-0.0094
10(544.5, inf]6295418813.99%0.0129
bh_a055 — IV 0.0028，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98848368151615.34%0.0318
2(0.5, 1.5]2409200740216.69%-0.0120
3(1.5, inf]1488119329519.83%-0.0488
bh_a159 — IV 0.0028，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.5]2168176540318.59%-0.0443
2(3.5, 16.5]4097346463315.45%0.0169
3(16.5, 23.5]113293619617.31%-0.0131
4(23.5, 29.5]7216338812.21%0.0273
5(29.5, 49.5]1350112422616.74%-0.0083
6(49.5, 66.5]6945979713.98%0.0142
7(66.5, 88.5]73861212617.07%-0.0073
8(88.5, 122.5]79368410913.75%0.0178
9(122.5, 268.5]1318108723117.53%-0.0174
10(268.5, inf]77066610413.51%0.0192
BH_A344 — IV 0.0028，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3341283850315.06%0.0245
2(0.5, 1.5]1868160226614.24%0.0291
3(1.5, 2.5]1330112820215.19%0.0105
4(2.5, 3.5]105088616415.62%0.0043
5(3.5, 5.5]1489126122815.31%0.0099
6(5.5, 7.5]99181018118.26%-0.0204
7(7.5, 9.5]74262112116.31%-0.0018
8(9.5, 13.5]101882619218.86%-0.0265
9(13.5, 23.5]115692523119.98%-0.0412
10(23.5, inf]79667112515.70%0.0027
bh_h160 — IV 0.0027，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 11.444999694824219]67155709100614.98%0.0400
2(11.444999694824219, 41.27499961853027]90675615016.56%-0.0043
3(41.27499961853027, 58.135000228881836]3004247552917.61%-0.0345
4(58.135000228881836, 67.82999801635742]89275413815.47%0.0050
5(67.82999801635742, 78.88500213623047]118098619416.44%-0.0041
6(78.88500213623047, inf]108488819618.08%-0.0203
bh_a117 — IV 0.0027，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]77226522120015.54%0.0205
2(0.5, 1.5]2293196632714.26%0.0337
3(1.5, 2.5]1286107720916.25%-0.0023
4(2.5, 3.5]76764012716.56%-0.0037
5(3.5, 5.5]92574617919.35%-0.0286
6(5.5, inf]78861717121.70%-0.0423
bh_h168 — IV 0.0027，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 9.069999694824219]6187527091714.82%0.0441
2(9.069999694824219, 26.904998779296875]70357113218.78%-0.0186
3(26.904998779296875, 40.209999084472656]2308192338516.68%-0.0115
4(40.209999084472656, 55.255001068115234]115095219817.22%-0.0122
5(55.255001068115234, 69.97000122070312]1356111124518.07%-0.0243
6(69.97000122070312, 77.70999908447266]73062310714.66%0.0100
7(77.70999908447266, inf]1347111822917.00%-0.0114
bh_a071 — IV 0.0027，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96918196149515.43%0.0276
2(0.5, 1.5]2767232244516.08%-0.0005
3(1.5, inf]1323105027320.63%-0.0537
BH_A341 — IV 0.0026，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]79946765122915.37%0.0275
2(0.5, 1.5]2354201034414.61%0.0276
3(1.5, 2.5]99182716416.55%-0.0046
4(2.5, 3.5]72458513919.20%-0.0220
5(3.5, 5.5]91272618620.39%-0.0371
6(5.5, inf]80665515118.73%-0.0206
bh_a181 — IV 0.0026，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 19.414999961853027]96081114915.52%0.0068
2(19.414999961853027, 34.454999923706055]7926989411.87%0.0369
3(34.454999923706055, 44.85500144958496]71458213218.49%-0.0174
4(44.85500144958496, 52.154998779296875]98985513413.55%0.0274
5(52.154998779296875, 59.78999900817871]79565514017.61%-0.0118
6(59.78999900817871, 65.10000228881836]74263211014.82%0.0110
7(65.10000228881836, 67.69499969482422]61550111418.54%-0.0155
8(67.69499969482422, 72.86999893188477]6345488613.56%0.0183
9(72.86999893188477, 10850.0]5388449289616.63%-0.0146
10(10850.0, inf]65852213620.67%-0.0315

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）

bh_a104 — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]84567268118814.05%0.0845
2(0.5, 1.5]1725135836721.28%-0.0755
3(1.5, 2.5]1240101922117.82%-0.0198
4(2.5, 6.5]1607129431319.48%-0.0472
5(6.5, inf]75362912416.47%-0.0030
bh_a113 — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]84567268118814.05%0.0845
2(0.5, 1.5]3227260861919.18%-0.0721
3(1.5, 2.5]114391223120.21%-0.0432
4(2.5, inf]95578017518.32%-0.0203
ScoreCust1 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 569.5]85159725429.85%-0.0895
2(569.5, 622.5]1461107039126.76%-0.1093
3(622.5, 644.5]81564417120.98%-0.0287
4(644.5, 679.5]1489114434523.17%-0.0724
5(679.5, 707.5]1482117630620.65%-0.0446
6(707.5, 726.5]100983717217.05%-0.0031
7(726.5, 749.5]1349108226719.79%-0.0324
8(749.5, 786.5]2197189330413.84%0.0450
9(786.5, 833.5]2239197526411.79%0.0795
10(833.5, inf]293027671635.56%0.2339
ScoreCust2 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 550.5]106273932330.41%-0.1129
2(550.5, 603.5]1536112341326.89%-0.1152
3(603.5, 684.5]3027239463320.91%-0.0823
4(684.5, 702.5]89673116518.42%-0.0128
5(702.5, 723.5]104081122922.02%-0.0441
6(723.5, 747.5]1247102022718.20%-0.0150
7(747.5, 784.5]1927164528214.63%0.0289
8(784.5, 802.5]88077710311.70%0.0362
9(802.5, 844.5]162514841418.68%0.1014
10(844.5, inf]258224611214.69%0.2294
dxm_2025v2 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 365.5]79958021927.41%-0.0693
2(365.5, 374.5]97973324625.13%-0.0656
3(374.5, 379.5]87963724227.53%-0.0763
4(379.5, 387.5]1648126838023.06%-0.0773
5(387.5, 398.5]2744221453019.31%-0.0483
6(398.5, 401.5]86273312914.97%0.0121
7(401.5, 412.5]2883241546816.23%0.0084
8(412.5, 422.5]1917169122611.79%0.0701
9(422.5, 443.5]192417671578.16%0.1250
10(443.5, inf]11871147403.37%0.1305
score92663 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 31.715349197387695]919894252.72%0.1090
2(31.715349197387695, 38.77465057373047]167415501247.41%0.1217
3(38.77465057373047, 42.77254867553711]1415127214310.11%0.0735
4(42.77254867553711, 46.850149154663086]1772156320911.79%0.0654
5(46.850149154663086, 51.011600494384766]1970162035017.77%-0.0167
6(51.011600494384766, 54.091299057006836]1445122721815.09%0.0172
7(54.091299057006836, 59.89684867858887]2771221156020.21%-0.0664
8(59.89684867858887, 63.64575004577637]1450109635424.41%-0.0854
9(63.64575004577637, 66.37909698486328]78661716921.50%-0.0318
10(66.37909698486328, inf]1496104145530.41%-0.1518
model_risk_v9_stongyong_score — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 28.5]901873283.11%0.1039
2(28.5, 38.5]204919071426.93%0.1523
3(38.5, 44.5]2366211525110.61%0.1039
4(44.5, 46.5]99085813213.33%0.0267
5(46.5, 48.5]105489016415.56%0.0090
6(48.5, 54.5]3128257055817.84%-0.0251
7(54.5, 56.5]92171720422.15%-0.0414
8(56.5, 59.5]1291102526620.60%-0.0402
9(59.5, 64.5]1572118139124.87%-0.0964
10(64.5, inf]143195947232.98%-0.1722
model_risk_v9_sxiaojin_score — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 29.5]1010974363.56%0.1114
2(29.5, 35.5]12501169816.48%0.1040
3(35.5, 42.5]290226162869.86%0.1378
4(42.5, 46.5]2255194531013.75%0.0468
5(46.5, 50.5]2409201539416.36%0.0043
6(50.5, 53.5]1628129932920.21%-0.0440
7(53.5, 55.5]94570923624.97%-0.0635
8(55.5, 58.5]115988527423.64%-0.0639
9(58.5, 62.5]109379429927.36%-0.0920
10(62.5, inf]105268936334.51%-0.1455
model_1034467 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.0710735023021698]15351453825.34%0.1437
2(0.0710735023021698, 0.07787349820137024]118310651189.97%0.0657
3(0.07787349820137024, 0.08219949901103973]82370911413.85%0.0191
4(0.08219949901103973, 0.08883550018072128]129111851068.21%0.0907
5(0.08883550018072128, 0.0934550017118454]89176612514.03%0.0192
6(0.0934550017118454, 0.09958449751138687]1415116824717.46%-0.0106
7(0.09958449751138687, 0.1323539987206459]4109328582420.05%-0.0876
8(0.1323539987206459, 0.14288699626922607]76258517723.23%-0.0439
9(0.14288699626922607, 0.16508999466896057]118296521718.36%-0.0179
10(0.16508999466896057, inf]1921143448725.35%-0.1245
model_1034468 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.07395549863576889]190717891186.19%0.1594
2(0.07395549863576889, 0.08735150098800659]3340288545513.62%0.0659
3(0.08735150098800659, 0.09130899980664253]97379817517.99%-0.0120
4(0.09130899980664253, 0.09519950300455093]76265610613.91%0.0175
5(0.09519950300455093, 0.10096599906682968]95975120821.69%-0.0416
6(0.10096599906682968, 0.10976199805736542]1198100719115.94%0.0058
7(0.10976199805736542, 0.13253449648618698]2200178641418.82%-0.0371
8(0.13253449648618698, 0.14993049949407578]122594827722.61%-0.0604
9(0.14993049949407578, 0.19136500358581543]1621129432720.17%-0.0460
10(0.19136500358581543, inf]92770122624.38%-0.0610
score_50021 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.005150000099092722]12021154483.99%0.1278
2(0.005150000099092722, 0.007949999999254942]160814891197.40%0.1189
3(0.007949999999254942, 0.009650000371038914]109795014713.40%0.0289
4(0.009650000371038914, 0.012349999975413084]1795159719811.03%0.0776
5(0.012349999975413084, 0.014750000089406967]1541132521614.02%0.0312
6(0.014750000089406967, 0.02075000014156103]3214265955517.27%-0.0144
7(0.02075000014156103, 0.02365000080317259]109683526123.81%-0.0635
8(0.02365000080317259, 0.02715000044554472]106384022320.98%-0.0379
9(0.02715000044554472, 0.040550000965595245]1891141247925.33%-0.1194
10(0.040550000965595245, inf]96464432033.20%-0.1275
zszs_xy_score — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 685.5]1466108238426.19%-0.1063
2(685.5, 692.5]111386524822.28%-0.0507
3(692.5, 696.5]79259919324.37%-0.0511
4(696.5, 701.5]114194319817.35%-0.0071
5(701.5, 704.5]86569017520.23%-0.0261
6(704.5, 712.5]2425200242317.44%-0.0147
7(712.5, 731.5]4836413869814.43%0.0607
8(731.5, 737.5]983896878.85%0.0640
9(737.5, 749.5]1132101112110.69%0.0551
10(749.5, inf]818763556.72%0.0694
xmf_v11xj — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 397.5]2559198257722.55%-0.1021
2(397.5, 410.5]2655214051519.40%-0.0501
3(410.5, 415.5]1229100422518.31%-0.0165
4(415.5, 418.5]84872412414.62%0.0142
5(418.5, 422.5]84569914617.28%-0.0046
6(422.5, 426.5]80563217321.49%-0.0325
7(426.5, 433.5]114194020117.62%-0.0092
8(433.5, 444.5]1553130924415.71%0.0109
9(444.5, 475.5]2830251231811.24%0.1071
10(475.5, inf]11571084736.31%0.0992
bh_CO4001score — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 35.5]11651109564.81%0.1139
2(35.5, 39.5]167615361408.35%0.1085
3(39.5, 42.5]2007174226513.20%0.0513
4(42.5, 45.5]2245192432114.30%0.0382
5(45.5, 46.5]92676416217.49%-0.0062
6(46.5, 47.5]80268511714.59%0.0138
7(47.5, 50.5]2508205445418.10%-0.0247
8(50.5, 53.5]2198165054824.93%-0.1242
9(53.5, 55.5]88667720923.59%-0.0494
10(55.5, inf]1408104336525.92%-0.0975
PY083P — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 518.5]79257222027.78%-0.0722
2(518.5, 571.5]2334173260225.79%-0.1450
3(571.5, 584.5]99778021721.77%-0.0414
4(584.5, 597.5]122199123018.84%-0.0216
5(597.5, 629.5]3293273455916.98%-0.0079
6(629.5, 657.5]2559218037914.81%0.0321
7(657.5, 674.5]113499314112.43%0.0385
8(674.5, 689.5]8037168710.83%0.0391
9(689.5, 734.5]142813031258.75%0.0899
10(734.5, inf]11481100484.18%0.1191
risk_v8_slowirr — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 19.5]10791049302.78%0.1259
2(19.5, 26.5]11681088806.85%0.0942
3(26.5, 31.5]1016928888.66%0.0673
4(31.5, 37.5]1452128117111.78%0.0555
5(37.5, 46.5]2577221136614.20%0.0435
6(46.5, 49.5]86271614616.94%-0.0024
7(49.5, 56.5]2071166640519.56%-0.0438
8(56.5, 61.5]1425117425117.61%-0.0111
9(61.5, 70.5]2251173551622.92%-0.0984
10(70.5, inf]1797124355430.83%-0.1803
mobile_fixed_grade — 8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]103684918718.05%-0.0115
2(2.5, 4.5]1546126128518.43%-0.0207
3(4.5, 5.5]106485221219.92%-0.0277
4(5.5, 6.5]1857143242522.89%-0.0831
5(6.5, 7.5]3633294868518.85%-0.0489
6(7.5, 8.5]2735230842715.61%0.0197
7(8.5, 9.5]2667236530211.32%0.1006
8(9.5, inf]121811151038.46%0.0813
adr_stability_grade — 8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]43743359101523.21%-0.1595
2(1.5, 3.5]92369023325.24%-0.0634
3(3.5, 5.5]1602128731519.66%-0.0360
4(5.5, 6.5]1508126524316.11%0.0064
5(6.5, 7.5]2307198032714.17%0.0412
6(7.5, 8.5]1751154820311.59%0.0680
7(8.5, 9.5]1852166518710.10%0.0929
8(9.5, inf]143913361037.16%0.1097
have_car_prob_grade — 2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]96337705192820.01%-0.1272
2(1.5, inf]6123542569811.40%0.1760
have_fang_prob_grade — 2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]105128578193418.40%-0.0696
2(1.5, inf]5244455269213.20%0.1034
last_6m_avg_asset_total_grade — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]79906463152719.11%-0.0861
2(1.5, 2.5]1195101817714.81%0.0177
3(2.5, 3.5]3002252747515.82%0.0169
4(3.5, 4.5]98684614014.20%0.0199
5(4.5, 5.5]85373711613.60%0.0217
6(5.5, inf]1730153919111.04%0.0748
tot_pay_amt_6m_grade — 8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]58714534133722.77%-0.1771
2(1.5, 2.5]2131178135016.42%0.0037
3(2.5, 3.5]1437122721014.61%0.0230
4(3.5, 4.5]1770153223813.45%0.0432
5(4.5, 5.5]1337116417312.94%0.0395
6(5.5, 6.5]8307418910.72%0.0414
7(6.5, 7.5]8807899110.34%0.0465
8(7.5, inf]150013621389.20%0.0886
first_loan_length_grade — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]2050153251825.27%-0.1228
2(1.5, 4.5]124490334127.41%-0.1020
3(4.5, 5.5]118992726222.04%-0.0499
4(5.5, 6.5]1491120129019.45%-0.0316
5(6.5, inf]97828567121512.42%0.1799
avg_bal_6m_grade — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]78776243163420.74%-0.1402
2(1.5, 3.5]2058172133716.38%0.0044
3(3.5, 5.5]2042179125112.29%0.0663
4(5.5, 6.5]1285111616913.15%0.0359
5(6.5, 7.5]8577639410.97%0.0408
6(7.5, inf]163714961418.61%0.1033
repay_amt_6m_grade — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]81076344176321.75%-0.1751
2(1.5, 3.5]1714141430017.50%-0.0107
3(3.5, 4.5]101985616316.00%0.0055
4(4.5, 5.5]1491130918212.21%0.0520
5(5.5, 6.5]138212761067.67%0.1000
6(6.5, inf]204319311125.48%0.1760
positive_biz_cnt_1y_grade — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]46733655101821.78%-0.1314
2(1.5, 3.5]1842150633618.24%-0.0213
3(3.5, 8.5]1337107626119.52%-0.0295
4(8.5, inf]79046893101112.79%0.1468
risk_score — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]398137272546.38%0.2728
2(1.5, 2.5]5083436272114.18%0.0718
3(2.5, 3.5]2829224258720.75%-0.0757
4(3.5, 4.5]1751133142023.99%-0.0929
5(4.5, 5.5]102672330329.53%-0.1032
6(5.5, inf]108674534131.40%-0.1234
cust_seg2 — 3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]361333192948.14%0.2071
2(2.5, 3.5]79146652126215.95%0.0262
3(3.5, inf]42293159107025.30%-0.2032
dev_stability_grade2 — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1847162122612.24%0.0619
2(1.5, 2.5]6332542790514.29%0.0782
3(2.5, 3.5]3996328571117.79%-0.0270
4(3.5, inf]3581279778421.89%-0.1133
repayment_ability_rank2 — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]166515061599.55%0.0922
2(1.5, 2.5]4245370454112.74%0.1023
3(2.5, 3.5]55514551100018.01%-0.0396
4(3.5, inf]4295336992621.56%-0.1195

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 30（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_scoreY0.0799PASSPASS0.42%
cust_seg2Y0.0638PASSPASS0.42%
ScoreCust2Y0.0614PASSPASS0.00%WOE不单调
repay_amt_6m_gradeY0.0587PASSPASS0.42%
ScoreCust1Y0.0572PASSPASS0.00%WOE不单调
model_risk_v9_stongyong_scoreY0.0536PASSPASS0.75%WOE不单调
first_loan_length_gradeY0.0523PASSPASS0.42%
model_risk_v9_sxiaojin_scoreY0.0501PASSPASS0.75%WOE不单调
risk_v8_slowirrY0.0480PASSPASS0.78%WOE不单调
have_car_prob_gradeY0.0447PASSPASS0.42%
score_50021Y0.0440PASSPASS2.22%WOE不单调
score92663Y0.0435PASSPASS0.78%WOE不单调
adr_stability_gradeY0.0398PASSPASS0.42%
tot_pay_amt_6m_gradeY0.0380PASSPASS0.42%WOE不单调
model_1034467Y0.0369PASSPASS4.49%WOE不单调
positive_biz_cnt_1y_gradeY0.0357PASSPASS0.42%WOE不单调
dxm_2025v2Y0.0356PASSPASS0.00%WOE不单调
bh_CO4001scoreY0.0345PASSPASS0.01%WOE不单调
PY083PY0.0333PASSPASS0.71%WOE不单调
avg_bal_6m_gradeY0.0312PASSPASS0.42%WOE不单调
model_1034468Y0.0259PASSPASS4.49%WOE不单调
repayment_ability_rank2Y0.0256PASSPASS0.42%WOE不单调
xmf_v11xjY0.0229PASSPASS1.26%WOE不单调
zszs_xy_scoreY0.0200PASSPASS1.59%WOE不单调
dev_stability_grade2Y0.0179PASSPASS0.42%WOE不单调
mobile_fixed_gradeY0.0175PASSPASS0.42%WOE不单调
have_fang_prob_gradeY0.0144PASSPASS0.42%
bh_a104Y0.0130PASSPASS12.90%WOE不单调
bh_a113Y0.0130PASSPASS12.90%WOE不单调
last_6m_avg_asset_total_gradeY0.0119PASSPASS0.42%WOE不单调
bh_a112N0.0096PASSFAIL12.90%WOE不单调
bh_a111N0.0092PASSFAIL12.90%
bh_h171N0.0090PASSFAIL12.90%WOE不单调
bh_a103N0.0082PASSFAIL12.90%WOE不单调
bh_h163N0.0081PASSFAIL12.90%WOE不单调
bh_a102N0.0069PASSFAIL12.90%WOE不单调
bh_a211N0.0069PASSFAIL12.96%WOE不单调
bh_h155N0.0063PASSFAIL12.90%
bh_h001N0.0059PASSFAIL12.87%
score_dzN0.0058PASSFAIL12.87%WOE不单调
bh_a220N0.0057PASSFAIL12.96%WOE不单调
bh_a101N0.0057PASSFAIL12.90%
bh_a110N0.0057PASSFAIL12.90%
bh_h006N0.0056PASSFAIL12.90%WOE不单调
bh_a056N0.0049PASSFAIL12.90%
bh_a218N0.0046PASSFAIL21.27%WOE不单调
bh_a047N0.0045PASSFAIL12.90%WOE不单调
bh_a219N0.0045PASSFAIL15.58%WOE不单调
bh_a178N0.0045PASSFAIL22.34%WOE不单调
BH_A352N0.0043PASSFAIL12.90%
BH_A355N0.0043PASSFAIL12.90%WOE不单调
BH_A354N0.0042PASSFAIL12.90%WOE不单调
bh_h003N0.0041PASSFAIL12.90%WOE不单调
bh_a201N0.0041PASSFAIL22.34%WOE不单调
bh_a210N0.0041PASSFAIL15.58%WOE不单调
bh_a150N0.0041PASSFAIL12.90%WOE不单调
bh_a009N0.0041PASSFAIL12.90%WOE不单调
bh_a126N0.0040PASSFAIL12.90%WOE不单调
bh_h004N0.0040PASSFAIL12.90%WOE不单调
BH_A353N0.0040PASSFAIL12.90%WOE不单调
bh_h005N0.0039PASSFAIL12.90%WOE不单调
BH_A342N0.0039PASSFAIL12.90%WOE不单调
bh_a179N0.0039PASSFAIL22.34%WOE不单调
BH_A343N0.0039PASSFAIL12.90%WOE不单调
bh_a160N0.0038PASSFAIL20.97%WOE不单调
BH_A350N0.0038PASSFAIL12.90%
BH_A345N0.0037PASSFAIL12.90%WOE不单调
bh_h010N0.0036PASSFAIL12.90%WOE不单调
bh_a066N0.0036PASSFAIL12.90%WOE不单调
bh_h011N0.0036PASSFAIL12.90%WOE不单调
BH_A356N0.0035PASSFAIL12.90%WOE不单调
BH_A340N0.0035PASSFAIL12.90%
bh_a062N0.0035PASSFAIL12.90%WOE不单调
bh_h007N0.0034PASSFAIL12.90%WOE不单调
bh_h002N0.0033PASSFAIL12.90%WOE不单调
bh_a119N0.0033PASSFAIL12.90%WOE不单调
bh_a141N0.0032PASSFAIL12.90%WOE不单调
bh_a200N0.0032PASSFAIL22.34%WOE不单调
bh_a075N0.0031PASSFAIL12.90%WOE不单调
bh_h144N0.0031PASSFAIL12.90%
BH_A351N0.0031PASSFAIL12.90%
bh_a177N0.0031PASSFAIL22.34%WOE不单调
bh_a199N0.0030PASSFAIL22.34%WOE不单调
bh_a209N0.0030PASSFAIL21.27%WOE不单调
bh_a130N0.0030PASSFAIL12.90%WOE不单调
bh_qu010N0.0030PASSFAIL21.27%WOE不单调
bh_a100N0.0029PASSFAIL12.90%
bh_a109N0.0029PASSFAIL12.90%
bh_a065N0.0029PASSFAIL12.90%WOE不单调
bh_a046N0.0028PASSFAIL12.90%
bh_a019N0.0028PASSFAIL21.10%WOE不单调
bh_a055N0.0028PASSFAIL12.90%
bh_a159N0.0028PASSFAIL12.90%WOE不单调
BH_A344N0.0028PASSFAIL12.90%WOE不单调
bh_h160N0.0027PASSFAIL12.90%WOE不单调
bh_a117N0.0027PASSFAIL12.90%WOE不单调
bh_h168N0.0027PASSFAIL12.90%WOE不单调
bh_a071N0.0027PASSFAIL12.90%
BH_A341N0.0026PASSFAIL12.90%WOE不单调
bh_a181N0.0026PASSFAIL22.34%WOE不单调
BH_A346N0.0026PASSFAIL12.90%WOE不单调
bh_a128N0.0026PASSFAIL12.90%WOE不单调
bh_a123N0.0026PASSFAIL12.90%WOE不单调
bh_h152N0.0026PASSFAIL12.90%WOE不单调
BH_A349N0.0026PASSFAIL12.90%
bh_a073N0.0025PASSFAIL12.90%WOE不单调
bh_a074N0.0025PASSFAIL12.90%WOE不单调
bh_h147N0.0025PASSFAIL12.90%
bh_a125N0.0024PASSFAIL12.90%
bh_a085N0.0024PASSFAIL12.90%WOE不单调
bh_a202N0.0024PASSFAIL22.34%WOE不单调
bh_h013N0.0024PASSFAIL12.90%WOE不单调
bh_a129N0.0024PASSFAIL12.90%WOE不单调
BH_A335N0.0024PASSFAIL12.90%WOE不单调
BH_A339N0.0024PASSFAIL12.90%
BH_A288N0.0024PASSFAIL12.90%WOE不单调
bh_a127N0.0024PASSFAIL12.90%WOE不单调
bh_h162N0.0024PASSFAIL12.90%WOE不单调
bh_a131N0.0024PASSFAIL12.90%WOE不单调
bh_a064N0.0023PASSFAIL12.90%WOE不单调
bh_h169N0.0023PASSFAIL12.90%
bh_a132N0.0023PASSFAIL12.90%WOE不单调
ovd_order_amt_6m_gradeN0.0023PASSFAIL0.42%WOE不单调
bh_a180N0.0023PASSFAIL22.34%WOE不单调
bh_a094N0.0023PASSFAIL12.90%WOE不单调
bh_h110N0.0023PASSFAIL12.90%WOE不单调
bh_a120N0.0022PASSFAIL12.90%WOE不单调
bh_a118N0.0022PASSFAIL12.90%WOE不单调
bh_a116N0.0022PASSFAIL12.90%
bh_h009N0.0022PASSFAIL12.90%WOE不单调
bh_a122N0.0022PASSFAIL12.90%WOE不单调
bh_a061N0.0022PASSFAIL12.90%
BH_A230N0.0022PASSFAIL12.90%WOE不单调
BH_A392N0.0022PASSFAIL12.90%WOE不单调
bh_h012N0.0022PASSFAIL12.90%WOE不单调
BH_A319N0.0022PASSFAIL12.90%WOE不单调
bh_h159N0.0021PASSFAIL12.90%WOE不单调
bh_h141N0.0021PASSFAIL12.90%WOE不单调
bh_a083N0.0021PASSFAIL12.90%WOE不单调
bh_h134N0.0021PASSFAIL12.90%WOE不单调
BH_A309N0.0020PASSFAIL12.90%WOE不单调
bh_a124N0.0020PASSFAIL12.90%
bh_h161N0.0020PASSFAIL12.90%WOE不单调
bh_a053N0.0019PASSFAIL12.90%
BH_A282N0.0019PASSFAIL12.90%
bh_h143N0.0018PASSFAIL12.90%
bh_h153N0.0018PASSFAIL12.90%
bh_a121N0.0018PASSFAIL12.90%WOE不单调
bh_h122N0.0018PASSFAIL12.90%WOE不单调
bh_h126N0.0017PASSFAIL12.90%WOE不单调
bh_a045N0.0017PASSFAIL12.90%WOE不单调
bh_h140N0.0017PASSFAIL12.90%WOE不单调
BH_A389N0.0017PASSFAIL12.90%
bh_h118N0.0017PASSFAIL12.90%WOE不单调
bh_a018N0.0017PASSFAIL12.90%WOE不单调
bh_a069N0.0016PASSFAIL12.90%
BH_A292N0.0016PASSFAIL12.90%
bh_h170N0.0016PASSFAIL12.90%WOE不单调
bh_h123N0.0016PASSFAIL12.90%WOE不单调
BH_A327N0.0016PASSFAIL12.90%WOE不单调
bh_a044N0.0016PASSFAIL12.90%
bh_a054N0.0016PASSFAIL12.90%
bh_a082N0.0016PASSFAIL12.90%WOE不单调
bh_h167N0.0016PASSFAIL12.90%WOE不单调
bh_a008N0.0015PASSFAIL12.90%WOE不单调
bh_a081N0.0015PASSFAIL12.90%
bh_h151N0.0015PASSFAIL12.90%
bh_a198N0.0015PASSFAIL22.34%WOE不单调
bh_a115N0.0015PASSFAIL12.90%
bh_h008N0.0015PASSFAIL12.90%
bh_a070N0.0015PASSFAIL12.90%
bh_a059N0.0015PASSFAIL12.90%
bh_a068N0.0015PASSFAIL12.90%
bh_h158N0.0015PASSFAIL12.90%WOE不单调
bh_a063N0.0015PASSFAIL12.90%
bh_a043N0.0015PASSFAIL12.90%
bh_a052N0.0015PASSFAIL12.90%
BH_A384N0.0015PASSFAIL12.90%WOE不单调
bh_h166N0.0015PASSFAIL12.90%WOE不单调
BH_A229N0.0014PASSFAIL12.90%WOE不单调
bh_a072N0.0014PASSFAIL12.90%
BH_A308N0.0014PASSFAIL12.90%WOE不单调
BH_A284N0.0014PASSFAIL12.90%
bh_h135N0.0014PASSFAIL12.90%
BH_A338N0.0013PASSFAIL12.90%
BH_A348N0.0013PASSFAIL12.90%
BH_A388N0.0013PASSFAIL12.90%
bh_a007N0.0013PASSFAIL12.90%WOE不单调
bh_h136N0.0013PASSFAIL12.90%WOE不单调
BH_A277N0.0013PASSFAIL12.90%WOE不单调
bh_h137N0.0013PASSFAIL12.90%
BH_A376N0.0013PASSFAIL12.90%WOE不单调
bh_a084N0.0013PASSFAIL12.90%WOE不单调
BH_A366N0.0013PASSFAIL12.90%
BH_A318N0.0013PASSFAIL12.90%WOE不单调
bh_h145N0.0013PASSFAIL12.90%
bh_h106N0.0013PASSFAIL12.90%WOE不单调
BH_A287N0.0013PASSFAIL12.90%WOE不单调
bh_h138N0.0012PASSFAIL12.90%WOE不单调
BH_A240N0.0012PASSFAIL12.90%WOE不单调
BH_A383N0.0012PASSFAIL12.90%WOE不单调
bh_h127N0.0012PASSFAIL12.90%WOE不单调
BH_A283N0.0012PASSFAIL12.90%
BH_A326N0.0012PASSFAIL12.90%WOE不单调
bh_a060N0.0012PASSFAIL12.90%
bh_a140N0.0012PASSFAIL12.90%WOE不单调
BH_A286N0.0012PASSFAIL12.90%WOE不单调
bh_a149N0.0012PASSFAIL12.90%WOE不单调
BH_A269N0.0012PASSFAIL12.90%WOE不单调
BH_A381N0.0011PASSFAIL12.90%WOE不单调
BH_A390N0.0011PASSFAIL12.90%WOE不单调
BH_A275N0.0011PASSFAIL12.90%
BH_A382N0.0011PASSFAIL12.90%WOE不单调
bh_h149N0.0011PASSFAIL12.90%
BH_A334N0.0011PASSFAIL12.90%WOE不单调
BH_A391N0.0011PASSFAIL12.90%WOE不单调
BH_A378N0.0011PASSFAIL12.90%
BH_A386N0.0011PASSFAIL12.90%
bh_a004N0.0011PASSFAIL12.90%WOE不单调
bh_a005N0.0010PASSFAIL12.90%WOE不单调
BH_A294N0.0010PASSFAIL12.90%
bh_a093N0.0010PASSFAIL12.90%
BH_A267N0.0010PASSFAIL12.90%WOE不单调
bh_a016N0.0009PASSFAIL12.90%WOE不单调
bh_a092N0.0009PASSFAIL12.90%WOE不单调
bh_h111N0.0009PASSFAIL12.90%WOE不单调
BH_A261N0.0009PASSFAIL12.90%
BH_A380N0.0009PASSFAIL12.90%WOE不单调
BH_A276N0.0009PASSFAIL12.90%
bh_a139N0.0009PASSFAIL12.90%WOE不单调
BH_A324N0.0009PASSFAIL12.90%WOE不单调
bh_a090N0.0009PASSFAIL12.90%
bh_a042N0.0009PASSFAIL12.90%
bh_a051N0.0009PASSFAIL12.90%
bh_h139N0.0009PASSFAIL12.90%WOE不单调
bh_h094N0.0009PASSFAIL12.90%WOE不单调
BH_A325N0.0008PASSFAIL12.90%WOE不单调
bh_h042N0.0008PASSFAIL12.90%
bh_h043N0.0008PASSFAIL12.90%
BH_A285N0.0008PASSFAIL12.90%WOE不单调
bh_h130N0.0008PASSFAIL12.90%
bh_h085N0.0008PASSFAIL12.90%
bh_h120N0.0008PASSFAIL12.90%
bh_h121N0.0008PASSFAIL12.90%
bh_a006N0.0008PASSFAIL12.90%WOE不单调
bh_h107N0.0008PASSFAIL12.90%WOE不单调
bh_a015N0.0008PASSFAIL12.90%WOE不单调
bh_h100N0.0007PASSFAIL12.90%
bh_a003N0.0007PASSFAIL12.90%WOE不单调
BH_A265N0.0007PASSFAIL12.90%
BH_A273N0.0007PASSFAIL12.90%
bh_h165N0.0007PASSFAIL12.90%WOE不单调
BH_A268N0.0007PASSFAIL12.90%WOE不单调
bh_a012N0.0007PASSFAIL12.90%
BH_A377N0.0007PASSFAIL12.90%
BH_A385N0.0007PASSFAIL12.90%
BH_A293N0.0007PASSFAIL12.90%WOE不单调
BH_A322N0.0007PASSFAIL12.90%WOE不单调
bh_h125N0.0007PASSFAIL12.90%
bh_a080N0.0007PASSFAIL12.90%
BH_A251N0.0007PASSFAIL12.90%
bh_a089N0.0007PASSFAIL12.90%
BH_A291N0.0007PASSFAIL12.90%
bh_a099N0.0007PASSFAIL12.90%
bh_a108N0.0007PASSFAIL12.90%
bh_h157N0.0007PASSFAIL12.90%WOE不单调
BH_A323N0.0007PASSFAIL12.90%WOE不单调
BH_X006N0.0007PASSFAIL12.87%
BH_X078N0.0007PASSFAIL12.87%
bh_a041N0.0006PASSFAIL12.90%
bh_a050N0.0006PASSFAIL12.90%
bh_a017N0.0006PASSFAIL12.90%WOE不单调
BH_A365N0.0006PASSFAIL12.90%WOE不单调
bh_h173N0.0006PASSFAIL12.90%WOE不单调
BH_X018N0.0006PASSFAIL12.87%
BH_X090N0.0006PASSFAIL12.87%
bh_h154N0.0006PASSFAIL12.90%WOE不单调
bh_h131N0.0006PASSFAIL12.90%
bh_h084N0.0006PASSFAIL12.90%
BH_A281N0.0006PASSFAIL12.90%
bh_h117N0.0006PASSFAIL12.90%
BH_A295N0.0006PASSFAIL12.90%
bh_h124N0.0005PASSFAIL12.90%WOE不单调
bh_a079N0.0005PASSFAIL12.90%
bh_a088N0.0005PASSFAIL12.90%
bh_a146N0.0005PASSFAIL12.90%
bh_h062N0.0005PASSFAIL12.90%WOE不单调
bh_a148N0.0005PASSFAIL12.90%
BH_A307N0.0005PASSFAIL12.90%WOE不单调
bh_h101N0.0005PASSFAIL12.90%
bh_h133N0.0005PASSFAIL12.90%
BH_A280N0.0005PASSFAIL12.90%
BH_A290N0.0005PASSFAIL12.90%
bh_h078N0.0005PASSFAIL12.90%WOE不单调
bh_a014N0.0005PASSFAIL12.90%WOE不单调
BH_A387N0.0005PASSFAIL12.90%
bh_h074N0.0005PASSFAIL12.90%WOE不单调
BH_A296N0.0005PASSFAIL12.90%
bh_h114N0.0005PASSFAIL12.90%
bh_h115N0.0005PASSFAIL12.90%
bh_a138N0.0005PASSFAIL12.90%WOE不单调
BH_A227N0.0005PASSFAIL12.90%WOE不单调
bh_h116N0.0004PASSFAIL12.90%WOE不单调
bh_a002N0.0004PASSFAIL12.90%
bh_a137N0.0004PASSFAIL12.90%WOE不单调
bh_h102N0.0004PASSFAIL12.90%WOE不单调
BH_A274N0.0004PASSFAIL12.90%
BH_X005N0.0004PASSFAIL12.87%
BH_X077N0.0004PASSFAIL12.87%
bh_h059N0.0004PASSFAIL12.90%
bh_a147N0.0004PASSFAIL12.90%WOE不单调
bh_h026N0.0004PASSFAIL12.90%
bh_h027N0.0004PASSFAIL12.90%
bh_h150N0.0004PASSFAIL12.90%WOE不单调
BH_A362N0.0004PASSFAIL12.90%
BH_A372N0.0004PASSFAIL12.90%
BH_A236N0.0004PASSFAIL12.90%
BH_A375N0.0004PASSFAIL12.90%
BH_A226N0.0004PASSFAIL12.90%WOE不单调
bh_h132N0.0004PASSFAIL12.90%WOE不单调
BH_A379N0.0004PASSFAIL12.90%
BH_A374N0.0003PASSFAIL12.90%WOE不单调
ovd_order_days_6m_gradeN0.0003PASSFAIL0.42%
bh_h058N0.0003PASSFAIL12.90%
BH_A239N0.0003PASSFAIL12.90%WOE不单调
bh_h091N0.0003PASSFAIL12.90%WOE不单调
bh_h146N0.0003PASSFAIL12.90%
BH_A225N0.0003PASSFAIL12.90%
BH_A250N0.0003PASSFAIL12.90%
BH_A298N0.0003PASSFAIL12.90%WOE不单调
BH_A228N0.0003PASSFAIL12.90%
bh_h075N0.0003PASSFAIL12.90%WOE不单调
BH_A260N0.0003PASSFAIL12.90%
BH_A266N0.0003PASSFAIL12.90%
BH_A364N0.0003PASSFAIL12.90%WOE不单调
BH_A235N0.0003PASSFAIL12.90%
bh_h092N0.0003PASSFAIL12.90%
bh_h093N0.0003PASSFAIL12.90%
BH_A249N0.0003PASSFAIL12.90%
BH_A259N0.0003PASSFAIL12.90%
bh_a011N0.0003PASSFAIL12.90%
bh_h090N0.0003PASSFAIL12.90%WOE不单调
BH_A237N0.0003PASSFAIL12.90%WOE不单调
bh_a013N0.0003PASSFAIL12.90%WOE不单调
bh_h119N0.0002PASSFAIL12.90%
BH_A317N0.0002PASSFAIL12.90%
BH_A363N0.0002PASSFAIL12.90%
BH_A373N0.0002PASSFAIL12.90%
BH_A297N0.0002PASSFAIL12.90%WOE不单调
BH_A264N0.0002PASSFAIL12.90%
BH_A272N0.0002PASSFAIL12.90%
bh_h079N0.0002PASSFAIL12.90%WOE不单调
BH_A248N0.0002PASSFAIL12.90%
BH_A258N0.0002PASSFAIL12.90%
bh_a001N0.0002PASSFAIL12.90%
bh_a010N0.0002PASSFAIL12.90%
bh_h095N0.0002PASSFAIL12.90%WOE不单调
BH_A238N0.0002PASSFAIL12.90%WOE不单调
BH_A332N0.0001PASSFAIL12.90%
BH_A321N0.0001PASSFAIL12.90%
BH_A329N0.0001PASSFAIL12.90%
BH_A361N0.0001PASSFAIL12.90%
BH_A371N0.0001PASSFAIL12.90%
BH_A224N0.0001PASSFAIL12.90%
BH_A234N0.0001PASSFAIL12.90%
BH_A223N0.0001PASSFAIL12.90%
BH_A233N0.0001PASSFAIL12.90%
bh_h068N0.0001PASSFAIL12.90%
bh_h069N0.0001PASSFAIL12.90%
bh_a091N0.0001PASSFAIL12.90%WOE不单调
bh_h108N0.0001PASSFAIL12.90%
bh_h109N0.0001PASSFAIL12.90%
BH_A333N0.0001PASSFAIL12.90%WOE不单调
BH_A331N0.0001PASSFAIL12.90%
bh_h030N0.0001PASSFAIL12.90%
bh_h031N0.0001PASSFAIL12.90%
BH_A306N0.0001PASSFAIL12.90%WOE不单调
bh_a136N0.0000PASSFAIL12.90%
bh_a145N0.0000PASSFAIL12.90%
bh_h086N0.0000PASSFAIL12.90%
bh_h087N0.0000PASSFAIL12.90%
bh_h070N0.0000PASSFAIL12.90%
bh_h071N0.0000PASSFAIL12.90%
bh_a078N0.0000PASSFAIL12.90%
bh_a087N0.0000PASSFAIL12.90%
BH_A330N0.0000PASSFAIL12.90%
bh_h063N0.0000PASSFAIL12.90%
BH_A304N0.0000PASSFAIL12.90%
BH_A314N0.0000PASSFAIL12.90%
bh_h046N0.0000PASSFAIL12.90%
bh_h047N0.0000PASSFAIL12.90%
bh_h142N0.0000PASSFAIL12.90%
BH_A316N0.0000PASSFAIL12.90%
bh_a135N0.0000PASSFAIL12.90%
bh_a144N0.0000PASSFAIL12.90%
data_flagN0.0000PASSFAIL0.00%
bh_a020N0.0000PASSFAIL12.90%
bh_a021N0.0000PASSFAIL12.90%
bh_a022N0.0000PASSFAIL12.90%
bh_a023N0.0000PASSFAIL12.90%
bh_a024N0.0000PASSFAIL12.90%
bh_a025N0.0000PASSFAIL12.90%
bh_a026N0.0000PASSFAIL12.90%
bh_a027N0.0000PASSFAIL12.90%
bh_a028N0.0000PASSFAIL12.90%
bh_a029N0.0000PASSFAIL12.90%
bh_a030N0.0000PASSFAIL12.90%
bh_a031N0.0000PASSFAIL12.90%
bh_a032N0.0000PASSFAIL12.90%
bh_a033N0.0000PASSFAIL12.90%
bh_a034N0.0000PASSFAIL12.90%
bh_a035N0.0000PASSFAIL12.90%
bh_a036N0.0000PASSFAIL12.90%
bh_a037N0.0000PASSFAIL12.90%
bh_a039N0.0000PASSFAIL12.90%
bh_a040N0.0000PASSFAIL12.90%
bh_a048N0.0000PASSFAIL12.90%
bh_a049N0.0000PASSFAIL12.90%
bh_a058N0.0000PASSFAIL12.90%
bh_a067N0.0000PASSFAIL12.90%
bh_a077N0.0000PASSFAIL12.90%
bh_a086N0.0000PASSFAIL12.90%
bh_a096N0.0000PASSFAIL12.90%
bh_a097N0.0000PASSFAIL12.90%
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bh_a105N0.0000PASSFAIL12.90%
bh_a106N0.0000PASSFAIL12.90%
bh_a107N0.0000PASSFAIL12.90%
bh_a133N0.0000PASSFAIL12.90%
bh_a134N0.0000PASSFAIL12.90%
bh_a142N0.0000PASSFAIL12.90%
bh_a143N0.0000PASSFAIL12.90%
bh_h014N0.0000PASSFAIL12.90%
bh_h015N0.0000PASSFAIL12.90%
bh_h016N0.0000PASSFAIL12.90%
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bh_h019N0.0000PASSFAIL12.90%
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bh_h021N0.0000PASSFAIL12.90%
bh_h022N0.0000PASSFAIL12.90%
bh_h023N0.0000PASSFAIL12.90%
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bh_h025N0.0000PASSFAIL12.90%
bh_h028N0.0000PASSFAIL12.90%
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bh_h035N0.0000PASSFAIL12.90%
bh_h036N0.0000PASSFAIL12.90%
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bh_h041N0.0000PASSFAIL12.90%
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bh_h051N0.0000PASSFAIL12.90%
bh_h052N0.0000PASSFAIL12.90%
bh_h053N0.0000PASSFAIL12.90%
bh_h054N0.0000PASSFAIL12.90%
bh_h055N0.0000PASSFAIL12.90%
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bh_h057N0.0000PASSFAIL12.90%
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bh_h067N0.0000PASSFAIL12.90%
bh_h072N0.0000PASSFAIL12.90%
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bh_h076N0.0000PASSFAIL12.90%
bh_h077N0.0000PASSFAIL12.90%
bh_h080N0.0000PASSFAIL12.90%
bh_h081N0.0000PASSFAIL12.90%
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bh_h103N0.0000PASSFAIL12.90%
bh_h104N0.0000PASSFAIL12.90%
bh_h105N0.0000PASSFAIL12.90%
bh_h112N0.0000PASSFAIL12.90%
bh_h113N0.0000PASSFAIL12.90%
bh_h128N0.0000PASSFAIL12.90%
bh_h129N0.0000PASSFAIL12.90%
bh_h148N0.0000PASSFAIL12.90%
bh_h156N0.0000PASSFAIL12.90%
bh_h164N0.0000PASSFAIL12.90%
bh_h172N0.0000PASSFAIL12.90%
BH_A221N0.0000PASSFAIL12.90%
BH_A222N0.0000PASSFAIL12.90%
BH_A231N0.0000PASSFAIL12.90%
BH_A232N0.0000PASSFAIL12.90%
BH_A242N0.0000PASSFAIL12.90%
BH_A243N0.0000PASSFAIL12.90%
BH_A244N0.0000PASSFAIL12.90%
BH_A245N0.0000PASSFAIL12.90%
BH_A246N0.0000PASSFAIL12.90%
BH_A247N0.0000PASSFAIL12.90%
BH_A252N0.0000PASSFAIL12.90%
BH_A253N0.0000PASSFAIL12.90%
BH_A254N0.0000PASSFAIL12.90%
BH_A255N0.0000PASSFAIL12.90%
BH_A256N0.0000PASSFAIL12.90%
BH_A257N0.0000PASSFAIL12.90%
BH_A262N0.0000PASSFAIL12.90%
BH_A263N0.0000PASSFAIL12.90%
BH_A270N0.0000PASSFAIL12.90%
BH_A271N0.0000PASSFAIL12.90%
BH_A279N0.0000PASSFAIL12.90%
BH_A289N0.0000PASSFAIL12.90%
BH_A300N0.0000PASSFAIL12.90%
BH_A301N0.0000PASSFAIL12.90%
BH_A302N0.0000PASSFAIL12.90%
BH_A303N0.0000PASSFAIL12.90%
BH_A305N0.0000PASSFAIL12.90%
BH_A310N0.0000PASSFAIL12.90%
BH_A311N0.0000PASSFAIL12.90%
BH_A312N0.0000PASSFAIL12.90%
BH_A313N0.0000PASSFAIL12.90%
BH_A315N0.0000PASSFAIL12.90%
BH_A320N0.0000PASSFAIL12.90%
BH_A328N0.0000PASSFAIL12.90%
BH_A337N0.0000PASSFAIL12.90%
BH_A347N0.0000PASSFAIL12.90%
BH_A357N0.0000PASSFAIL12.90%
BH_A358N0.0000PASSFAIL12.90%
BH_A359N0.0000PASSFAIL12.90%
BH_A360N0.0000PASSFAIL12.90%
BH_A367N0.0000PASSFAIL12.90%
BH_A368N0.0000PASSFAIL12.90%
BH_A369N0.0000PASSFAIL12.90%
BH_A370N0.0000PASSFAIL12.90%
BH_X001N0.0000PASSFAIL12.87%
BH_X002N0.0000PASSFAIL12.87%
BH_X003N0.0000PASSFAIL12.87%
BH_X004N0.0000PASSFAIL12.87%
BH_X007N0.0000PASSFAIL12.87%
BH_X008N0.0000PASSFAIL12.87%
BH_X009N0.0000PASSFAIL12.87%
BH_X010N0.0000PASSFAIL12.87%
BH_X011N0.0000PASSFAIL12.87%
BH_X012N0.0000PASSFAIL12.87%
BH_X013N0.0000PASSFAIL12.87%
BH_X014N0.0000PASSFAIL12.87%
BH_X015N0.0000PASSFAIL12.87%
BH_X016N0.0000PASSFAIL12.87%
BH_X017N0.0000PASSFAIL12.87%
BH_X019N0.0000PASSFAIL12.87%
BH_X020N0.0000PASSFAIL12.87%
BH_X021N0.0000PASSFAIL12.87%
BH_X022N0.0000PASSFAIL12.87%
BH_X023N0.0000PASSFAIL12.87%
BH_X024N0.0000PASSFAIL12.87%
BH_X025N0.0000PASSFAIL12.87%
BH_X026N0.0000PASSFAIL12.87%
BH_X027N0.0000PASSFAIL12.87%
BH_X028N0.0000PASSFAIL12.87%
BH_X029N0.0000PASSFAIL12.87%
BH_X030N0.0000PASSFAIL12.87%
BH_X031N0.0000PASSFAIL12.87%
BH_X032N0.0000PASSFAIL12.87%
BH_X033N0.0000PASSFAIL12.87%
BH_X034N0.0000PASSFAIL12.87%
BH_X035N0.0000PASSFAIL12.87%
BH_X036N0.0000PASSFAIL12.87%
BH_X037N0.0000PASSFAIL12.87%
BH_X038N0.0000PASSFAIL12.87%
BH_X039N0.0000PASSFAIL12.87%
BH_X040N0.0000PASSFAIL12.87%
BH_X041N0.0000PASSFAIL12.87%
BH_X042N0.0000PASSFAIL12.87%
BH_X043N0.0000PASSFAIL12.87%
BH_X044N0.0000PASSFAIL12.87%
BH_X045N0.0000PASSFAIL12.87%
BH_X046N0.0000PASSFAIL12.87%
BH_X047N0.0000PASSFAIL12.87%
BH_X048N0.0000PASSFAIL12.87%
BH_X049N0.0000PASSFAIL12.87%
BH_X050N0.0000PASSFAIL12.87%
BH_X051N0.0000PASSFAIL12.87%
BH_X052N0.0000PASSFAIL12.87%
BH_X053N0.0000PASSFAIL12.87%
BH_X054N0.0000PASSFAIL12.87%
BH_X055N0.0000PASSFAIL12.87%
BH_X056N0.0000PASSFAIL12.87%
BH_X057N0.0000PASSFAIL12.87%
BH_X058N0.0000PASSFAIL12.87%
BH_X059N0.0000PASSFAIL12.87%
BH_X060N0.0000PASSFAIL12.87%
BH_X061N0.0000PASSFAIL12.87%
BH_X062N0.0000PASSFAIL12.87%
BH_X063N0.0000PASSFAIL12.87%
BH_X064N0.0000PASSFAIL12.87%
BH_X065N0.0000PASSFAIL12.87%
BH_X066N0.0000PASSFAIL12.87%
BH_X067N0.0000PASSFAIL12.87%
BH_X068N0.0000PASSFAIL12.87%
BH_X069N0.0000PASSFAIL12.87%
BH_X070N0.0000PASSFAIL12.87%
BH_X071N0.0000PASSFAIL12.87%
BH_X072N0.0000PASSFAIL12.87%
BH_X073N0.0000PASSFAIL12.87%
BH_X074N0.0000PASSFAIL12.87%
BH_X075N0.0000PASSFAIL12.87%
BH_X076N0.0000PASSFAIL12.87%
BH_X079N0.0000PASSFAIL12.87%
BH_X080N0.0000PASSFAIL12.87%
BH_X081N0.0000PASSFAIL12.87%
BH_X082N0.0000PASSFAIL12.87%
BH_X083N0.0000PASSFAIL12.87%
BH_X084N0.0000PASSFAIL12.87%
BH_X085N0.0000PASSFAIL12.87%
BH_X086N0.0000PASSFAIL12.87%
BH_X087N0.0000PASSFAIL12.87%
BH_X088N0.0000PASSFAIL12.87%
BH_X089N0.0000PASSFAIL12.87%
BH_X091N0.0000PASSFAIL12.87%
BH_X092N0.0000PASSFAIL12.87%
BH_X093N0.0000PASSFAIL12.87%
BH_X094N0.0000PASSFAIL12.87%
BH_X095N0.0000PASSFAIL12.87%
BH_X096N0.0000PASSFAIL12.87%
BH_X097N0.0000PASSFAIL12.87%
BH_X098N0.0000PASSFAIL12.87%
BH_X099N0.0000PASSFAIL12.87%
BH_X100N0.0000PASSFAIL12.87%
BH_X101N0.0000PASSFAIL12.87%
BH_X102N0.0000PASSFAIL12.87%
BH_X103N0.0000PASSFAIL12.87%
BH_X104N0.0000PASSFAIL12.87%
BH_X105N0.0000PASSFAIL12.87%
BH_X106N0.0000PASSFAIL12.87%
BH_X107N0.0000PASSFAIL12.87%
BH_X108N0.0000PASSFAIL12.87%
BH_X109N0.0000PASSFAIL12.87%
BH_X110N0.0000PASSFAIL12.87%
BH_X111N0.0000PASSFAIL12.87%
BH_X112N0.0000PASSFAIL12.87%
BH_X113N0.0000PASSFAIL12.87%
BH_X114N0.0000PASSFAIL12.87%
BH_X115N0.0000PASSFAIL12.87%
BH_X116N0.0000PASSFAIL12.87%
BH_X117N0.0000PASSFAIL12.87%
BH_X118N0.0000PASSFAIL12.87%
BH_X119N0.0000PASSFAIL12.87%
BH_X120N0.0000PASSFAIL12.87%
BH_X121N0.0000PASSFAIL12.87%
BH_X122N0.0000PASSFAIL12.87%
BH_X123N0.0000PASSFAIL12.87%
BH_X124N0.0000PASSFAIL12.87%
BH_X125N0.0000PASSFAIL12.87%
BH_X126N0.0000PASSFAIL12.87%
BH_X127N0.0000PASSFAIL12.87%
BH_X128N0.0000PASSFAIL12.87%
BH_X129N0.0000PASSFAIL12.87%
BH_X130N0.0000PASSFAIL12.87%
BH_X131N0.0000PASSFAIL12.87%
BH_X132N0.0000PASSFAIL12.87%
BH_X133N0.0000PASSFAIL12.87%
BH_X134N0.0000PASSFAIL12.87%
BH_X135N0.0000PASSFAIL12.87%
BH_X136N0.0000PASSFAIL12.87%
BH_X137N0.0000PASSFAIL12.87%
BH_X138N0.0000PASSFAIL12.87%
BH_X139N0.0000PASSFAIL12.87%
BH_X140N0.0000PASSFAIL12.87%
BH_X141N0.0000PASSFAIL12.87%
BH_X142N0.0000PASSFAIL12.87%
BH_X143N0.0000PASSFAIL12.87%
BH_X144N0.0000PASSFAIL12.87%

06 回归结果

ParameterLabelEstimateStandard ErrorWald Chi-SquarePr > ChiSqStandardized Estimate
InterceptIntercept-1.79990.04711459.83<0.0001—
WOE_bh_a104bh_a104-0.28701.50730.040.8490-0.0179
WOE_bh_a113bh_a1130.22471.41970.030.87430.0150
WOE_ScoreCust1ScoreCust1-1.50890.407613.710.0002-0.1702
WOE_ScoreCust2ScoreCust2-1.66140.418915.73<0.0001-0.1910
WOE_dxm_2025v2dxm_2025v2-2.40730.393737.38<0.0001-0.1801
WOE_score92663score92663-0.82670.47563.020.0822-0.0689
WOE_model_risk_v9_stongyong_scoremodel_risk_v9_stongyong_score-0.67420.53081.610.2040-0.0646
WOE_model_risk_v9_sxiaojin_scoremodel_risk_v9_sxiaojin_score-0.86660.54482.530.1117-0.0767
WOE_model_1034467model_1034467-1.03990.44275.520.0188-0.0861
WOE_model_1034468model_1034468-0.65430.53631.490.2225-0.0456
WOE_score_50021score_50021-2.28560.337545.85<0.0001-0.1859
WOE_zszs_xy_scorezszs_xy_score-1.38470.408911.470.0007-0.0781
WOE_xmf_v11xjxmf_v11xj-0.07660.39110.040.8447-0.0054
WOE_bh_CO4001scorebh_CO4001score0.53390.38391.930.16430.0413
WOE_PY083PPY083P-0.89090.35036.470.0110-0.0667
WOE_risk_v8_slowirrrisk_v8_slowirr-0.41880.43270.940.3331-0.0371
WOE_mobile_fixed_grademobile_fixed_grade0.03090.44270.000.94430.0019
WOE_adr_stability_gradeadr_stability_grade0.03570.27480.020.89660.0036
WOE_have_car_prob_gradehave_car_prob_grade-0.22310.17861.560.2118-0.0329
WOE_have_fang_prob_gradehave_fang_prob_grade0.44320.32291.880.16990.0361
WOE_last_6m_avg_asset_total_gradelast_6m_avg_asset_total_grade-0.68030.41212.730.0988-0.0413
WOE_tot_pay_amt_6m_gradetot_pay_amt_6m_grade-0.06020.26370.050.8194-0.0064
WOE_first_loan_length_gradefirst_loan_length_grade-0.83980.196818.21<0.0001-0.1082
WOE_avg_bal_6m_gradeavg_bal_6m_grade1.80620.523311.910.00060.1774
WOE_repay_amt_6m_graderepay_amt_6m_grade-3.02630.404256.06<0.0001-0.4053
WOE_positive_biz_cnt_1y_gradepositive_biz_cnt_1y_grade0.24120.28410.720.39590.0297
WOE_risk_scorerisk_score-1.34950.230834.19<0.0001-0.1971
WOE_cust_seg2cust_seg2-0.21310.20761.050.3046-0.0310
WOE_dev_stability_grade2dev_stability_grade2-0.54070.32462.770.0958-0.0417
WOE_repayment_ability_rank2repayment_ability_rank2-0.50020.30752.650.1038-0.0449

注：标准误基于无惩罚似然的信息矩阵近似计算（拟合模型含 L2 正则）。

07 VIF

VIF

ParameterVIF
bh_a10419.02062
bh_a11318.98207
ScoreCust13.15990
ScoreCust23.30961
dxm_2025v21.49840
score926633.25978
model_risk_v9_stongyong_score5.00153
model_risk_v9_sxiaojin_score4.52224
model_10344672.49222
model_10344682.37962
score_500211.48216
zszs_xy_score1.16618
xmf_v11xj1.47680
bh_CO4001score1.79356
PY083P1.51453
risk_v8_slowirr3.32400
mobile_fixed_grade1.25324
adr_stability_grade1.51360
have_car_prob_grade1.21024
have_fang_prob_grade1.20369
last_6m_avg_asset_total_grade1.15084
tot_pay_amt_6m_grade1.67907
first_loan_length_grade1.42446
avg_bal_6m_grade5.26947
repay_amt_6m_grade5.24208
positive_biz_cnt_1y_grade2.66582
risk_score1.84812
cust_seg21.85280
dev_stability_grade21.32579
repayment_ability_rank21.47994

相关系数（WOE 转换后，开发样本）

bh_a104bh_a113ScoreCust1ScoreCust2dxm_2025v2score92663model_risk_v9_stongyong_scoremodel_risk_v9_sxiaojin_scoremodel_1034467model_1034468score_50021zszs_xy_scorexmf_v11xjbh_CO4001scorePY083Prisk_v8_slowirrmobile_fixed_gradeadr_stability_gradehave_car_prob_gradehave_fang_prob_gradelast_6m_avg_asset_total_gradetot_pay_amt_6m_gradefirst_loan_length_gradeavg_bal_6m_graderepay_amt_6m_gradepositive_biz_cnt_1y_graderisk_scorecust_seg2dev_stability_grade2repayment_ability_rank2
bh_a1041.0000.9730.2930.2830.1390.1500.1300.1030.1680.1610.1010.0760.1830.1190.1330.1480.0700.0680.0410.0440.0200.0420.0800.0460.0590.0470.1130.0830.0220.058
bh_a1130.9731.0000.2900.2840.1270.1430.1190.0910.1640.1590.0920.0720.1790.1130.1280.1400.0610.0570.0320.0370.0170.0330.0650.0370.0490.0370.1010.0720.0190.049
ScoreCust10.2930.2901.0000.8100.3480.3440.3070.2730.3390.3320.2480.1670.3070.3900.3880.3440.1650.1760.0960.0790.0360.1190.1250.1060.1330.0970.2780.2210.0550.120
ScoreCust20.2830.2840.8101.0000.3810.3920.3590.3170.3970.3650.2790.1980.3430.3470.3610.3950.2050.2200.1210.1070.0500.1170.1520.0890.1250.0850.2920.2210.0460.106
dxm_2025v20.1390.1270.3480.3811.0000.3190.3140.3080.2820.2630.2900.1560.4670.2690.3340.3260.1660.2150.1690.0540.0400.1300.1600.0900.1320.0810.2510.2120.0370.137
score926630.1500.1430.3440.3920.3191.0000.7030.6490.3450.3230.4070.1960.3150.4960.3170.8030.1690.2110.1850.1540.0670.1600.1540.1060.1390.0710.2630.2360.0580.149
model_risk_v9_stongyong_score0.1300.1190.3070.3590.3140.7031.0000.8690.3430.2980.4870.2170.2950.4900.3100.6980.2360.2420.2380.2030.0590.1680.2270.1260.1600.0900.2790.2600.0410.174
model_risk_v9_sxiaojin_score0.1030.0910.2730.3170.3080.6490.8691.0000.3090.2600.4670.2310.2530.4920.3020.6690.2700.2940.2530.1950.0910.2160.2730.1550.1910.1220.3160.2920.0790.201
model_10344670.1680.1640.3390.3970.2820.3450.3430.3091.0000.7480.3380.1760.2730.3170.3060.3430.1650.2090.1490.1300.0380.1080.1350.0410.0700.0150.2300.2010.0340.123
model_10344680.1610.1590.3320.3650.2630.3230.2980.2600.7481.0000.3110.1480.2780.3050.3030.3130.0920.1300.1060.0930.0280.0680.0720.0250.0490.0070.1770.1490.0330.083
score_500210.1010.0920.2480.2790.2900.4070.4870.4670.3380.3111.0000.2040.2770.3790.2810.4150.2010.2140.2250.1840.0500.1570.1910.1180.1510.0750.2580.2520.0580.187
zszs_xy_score0.0760.0720.1670.1980.1560.1960.2170.2310.1760.1480.2041.0000.0950.1940.1710.1990.1700.2780.1510.1230.0850.1890.1690.1420.1760.1210.2530.2490.1320.184
xmf_v11xj0.1830.1790.3070.3430.4670.3150.2950.2530.2730.2780.2770.0951.0000.2570.3640.3090.0730.0860.0740.1080.0320.0520.0350.0330.0510.0170.1410.1270.0020.062
bh_CO4001score0.1190.1130.3900.3470.2690.4960.4900.4920.3170.3050.3790.1940.2571.0000.4470.5180.2000.2610.2020.1570.1380.2790.1770.1740.2000.1360.3660.3140.1510.197
PY083P0.1330.1280.3880.3610.3340.3170.3100.3020.3060.3030.2810.1710.3640.4471.0000.3360.1210.2330.1320.1160.1170.2230.1300.1830.2040.1760.3070.2640.1550.166
risk_v8_slowirr0.1480.1400.3440.3950.3260.8030.6980.6690.3430.3130.4150.1990.3090.5180.3361.0000.1880.2370.1840.1550.0630.1690.1840.1190.1530.0840.2880.2540.0670.174
mobile_fixed_grade0.0700.0610.1650.2050.1660.1690.2360.2700.1650.0920.2010.1700.0730.2000.1210.1881.0000.3080.2040.1690.0780.1650.3450.1330.1600.1090.2470.2430.0770.179
adr_stability_grade0.0680.0570.1760.2200.2150.2110.2420.2940.2090.1300.2140.2780.0860.2610.2330.2370.3081.0000.2560.1720.1570.3690.3910.2810.3130.2580.4280.3690.2130.238
have_car_prob_grade0.0410.0320.0960.1210.1690.1850.2380.2530.1490.1060.2250.1510.0740.2020.1320.1840.2040.2561.0000.1790.1170.2490.2380.1860.2270.1720.2700.2870.1080.202
have_fang_prob_grade0.0440.0370.0790.1070.0540.1540.2030.1950.1300.0930.1840.1230.1080.1570.1160.1550.1690.1720.1791.0000.0230.1150.1860.0880.0990.0690.1440.3070.0690.318
last_6m_avg_asset_total_grade0.0200.0170.0360.0500.0400.0670.0590.0910.0380.0280.0500.0850.0320.1380.1170.0630.0780.1570.1170.0231.0000.2970.1100.1500.1820.1160.2290.1770.2520.113
tot_pay_amt_6m_grade0.0420.0330.1190.1170.1300.1600.1680.2160.1080.0680.1570.1890.0520.2790.2230.1690.1650.3690.2490.1150.2971.0000.2300.4580.5050.3910.4500.3610.3840.227
first_loan_length_grade0.0800.0650.1250.1520.1600.1540.2270.2730.1350.0720.1910.1690.0350.1770.1300.1840.3450.3910.2380.1860.1100.2301.0000.2550.2880.2740.3910.3260.1400.228
avg_bal_6m_grade0.0460.0370.1060.0890.0900.1060.1260.1550.0410.0250.1180.1420.0330.1740.1830.1190.1330.2810.1860.0880.1500.4580.2551.0000.8820.7650.3620.2620.3810.137
repay_amt_6m_grade0.0590.0490.1330.1250.1320.1390.1600.1910.0700.0490.1510.1760.0510.2000.2040.1530.1600.3130.2270.0990.1820.5050.2880.8821.0000.7390.4330.3270.4020.171
positive_biz_cnt_1y_grade0.0470.0370.0970.0850.0810.0710.0900.1220.0150.0070.0750.1210.0170.1360.1760.0840.1090.2580.1720.0690.1160.3910.2740.7650.7391.0000.4010.2370.3480.108
risk_score0.1130.1010.2780.2920.2510.2630.2790.3160.2300.1770.2580.2530.1410.3660.3070.2880.2470.4280.2700.1440.2290.4500.3910.3620.4330.4011.0000.4650.2980.253
cust_seg20.0830.0720.2210.2210.2120.2360.2600.2920.2010.1490.2520.2490.1270.3140.2640.2540.2430.3690.2870.3070.1770.3610.3260.2620.3270.2370.4651.0000.1990.534
dev_stability_grade20.0220.0190.0550.0460.0370.0580.0410.0790.0340.0330.0580.1320.0020.1510.1550.0670.0770.2130.1080.0690.2520.3840.1400.3810.4020.3480.2980.1991.0000.140
repayment_ability_rank20.0580.0490.1200.1060.1370.1490.1740.2010.1230.0830.1870.1840.0620.1970.1660.1740.1790.2380.2020.3180.1130.2270.2280.1370.1710.1080.2530.5340.1401.000

08 最终评分卡

标准分600
标准ODD50
PDO20
变量分栏WOECoefficientScorecard Points
bh_a104(-inf, 0.5]0.0845-0.287019
(0.5, 1.5]-0.0755-0.287017
(1.5, 2.5]-0.0198-0.287018
(2.5, 6.5]-0.0472-0.287018
(6.5, inf]-0.0030-0.287018
bh_a113(-inf, 0.5]0.08450.224717
(0.5, 1.5]-0.07210.224718
(1.5, 2.5]-0.04320.224718
(2.5, inf]-0.02030.224718
ScoreCust1(-inf, 569.5]-0.0895-1.508914
(569.5, 622.5]-0.1093-1.508913
(622.5, 644.5]-0.0287-1.508917
(644.5, 679.5]-0.0724-1.508915
(679.5, 707.5]-0.0446-1.508916
(707.5, 726.5]-0.0031-1.508918
(726.5, 749.5]-0.0324-1.508917
(749.5, 786.5]0.0450-1.508920
(786.5, 833.5]0.0795-1.508921
(833.5, inf]0.2339-1.508928
ScoreCust2(-inf, 550.5]-0.1129-1.661413
(550.5, 603.5]-0.1152-1.661412
(603.5, 684.5]-0.0823-1.661414
(684.5, 702.5]-0.0128-1.661417
(702.5, 723.5]-0.0441-1.661416
(723.5, 747.5]-0.0150-1.661417
(747.5, 784.5]0.0289-1.661419
(784.5, 802.5]0.0362-1.661420
(802.5, 844.5]0.1014-1.661423
(844.5, inf]0.2294-1.661429
dxm_2025v2(-inf, 365.5]-0.0693-2.407313
(365.5, 374.5]-0.0656-2.407313
(374.5, 379.5]-0.0763-2.407313
(379.5, 387.5]-0.0773-2.407313
(387.5, 398.5]-0.0483-2.407315
(398.5, 401.5]0.0121-2.407319
(401.5, 412.5]0.0084-2.407319
(412.5, 422.5]0.0701-2.407323
(422.5, 443.5]0.1250-2.407327
(443.5, inf]0.1305-2.407327
score92663(-inf, 31.715349197387695]0.1090-0.826721
(31.715349197387695, 38.77465057373047]0.1217-0.826721
(38.77465057373047, 42.77254867553711]0.0735-0.826720
(42.77254867553711, 46.850149154663086]0.0654-0.826720
(46.850149154663086, 51.011600494384766]-0.0167-0.826718
(51.011600494384766, 54.091299057006836]0.0172-0.826718
(54.091299057006836, 59.89684867858887]-0.0664-0.826716
(59.89684867858887, 63.64575004577637]-0.0854-0.826716
(63.64575004577637, 66.37909698486328]-0.0318-0.826717
(66.37909698486328, inf]-0.1518-0.826714
model_risk_v9_stongyong_score(-inf, 28.5]0.1039-0.674220
(28.5, 38.5]0.1523-0.674221
(38.5, 44.5]0.1039-0.674220
(44.5, 46.5]0.0267-0.674218
(46.5, 48.5]0.0090-0.674218
(48.5, 54.5]-0.0251-0.674217
(54.5, 56.5]-0.0414-0.674217
(56.5, 59.5]-0.0402-0.674217
(59.5, 64.5]-0.0964-0.674216
(64.5, inf]-0.1722-0.674215
model_risk_v9_sxiaojin_score(-inf, 29.5]0.1114-0.866621
(29.5, 35.5]0.1040-0.866621
(35.5, 42.5]0.1378-0.866621
(42.5, 46.5]0.0468-0.866619
(46.5, 50.5]0.0043-0.866618
(50.5, 53.5]-0.0440-0.866617
(53.5, 55.5]-0.0635-0.866616
(55.5, 58.5]-0.0639-0.866616
(58.5, 62.5]-0.0920-0.866616
(62.5, inf]-0.1455-0.866614
model_1034467(-inf, 0.0710735023021698]0.1437-1.039922
(0.0710735023021698, 0.07787349820137024]0.0657-1.039920
(0.07787349820137024, 0.08219949901103973]0.0191-1.039919
(0.08219949901103973, 0.08883550018072128]0.0907-1.039921
(0.08883550018072128, 0.0934550017118454]0.0192-1.039919
(0.0934550017118454, 0.09958449751138687]-0.0106-1.039918
(0.09958449751138687, 0.1323539987206459]-0.0876-1.039915
(0.1323539987206459, 0.14288699626922607]-0.0439-1.039917
(0.14288699626922607, 0.16508999466896057]-0.0179-1.039917
(0.16508999466896057, inf]-0.1245-1.039914
model_1034468(-inf, 0.07395549863576889]0.1594-0.654321
(0.07395549863576889, 0.08735150098800659]0.0659-0.654319
(0.08735150098800659, 0.09130899980664253]-0.0120-0.654318
(0.09130899980664253, 0.09519950300455093]0.0175-0.654318
(0.09519950300455093, 0.10096599906682968]-0.0416-0.654317
(0.10096599906682968, 0.10976199805736542]0.0058-0.654318
(0.10976199805736542, 0.13253449648618698]-0.0371-0.654317
(0.13253449648618698, 0.14993049949407578]-0.0604-0.654317
(0.14993049949407578, 0.19136500358581543]-0.0460-0.654317
(0.19136500358581543, inf]-0.0610-0.654317
score_50021(-inf, 0.005150000099092722]0.1278-2.285626
(0.005150000099092722, 0.007949999999254942]0.1189-2.285626
(0.007949999999254942, 0.009650000371038914]0.0289-2.285620
(0.009650000371038914, 0.012349999975413084]0.0776-2.285623
(0.012349999975413084, 0.014750000089406967]0.0312-2.285620
(0.014750000089406967, 0.02075000014156103]-0.0144-2.285617
(0.02075000014156103, 0.02365000080317259]-0.0635-2.285614
(0.02365000080317259, 0.02715000044554472]-0.0379-2.285615
(0.02715000044554472, 0.040550000965595245]-0.1194-2.285610
(0.040550000965595245, inf]-0.1275-2.285610
zszs_xy_score(-inf, 685.5]-0.1063-1.384714
(685.5, 692.5]-0.0507-1.384716
(692.5, 696.5]-0.0511-1.384716
(696.5, 701.5]-0.0071-1.384718
(701.5, 704.5]-0.0261-1.384717
(704.5, 712.5]-0.0147-1.384717
(712.5, 731.5]0.0607-1.384720
(731.5, 737.5]0.0640-1.384721
(737.5, 749.5]0.0551-1.384720
(749.5, inf]0.0694-1.384721
xmf_v11xj(-inf, 397.5]-0.1021-0.076618
(397.5, 410.5]-0.0501-0.076618
(410.5, 415.5]-0.0165-0.076618
(415.5, 418.5]0.0142-0.076618
(418.5, 422.5]-0.0046-0.076618
(422.5, 426.5]-0.0325-0.076618
(426.5, 433.5]-0.0092-0.076618
(433.5, 444.5]0.0109-0.076618
(444.5, 475.5]0.1071-0.076618
(475.5, inf]0.0992-0.076618
bh_CO4001score(-inf, 35.5]0.11390.533916
(35.5, 39.5]0.10850.533916
(39.5, 42.5]0.05130.533917
(42.5, 45.5]0.03820.533917
(45.5, 46.5]-0.00620.533918
(46.5, 47.5]0.01380.533918
(47.5, 50.5]-0.02470.533918
(50.5, 53.5]-0.12420.533920
(53.5, 55.5]-0.04940.533919
(55.5, inf]-0.09750.533919
PY083P(-inf, 518.5]-0.0722-0.890916
(518.5, 571.5]-0.1450-0.890914
(571.5, 584.5]-0.0414-0.890917
(584.5, 597.5]-0.0216-0.890917
(597.5, 629.5]-0.0079-0.890918
(629.5, 657.5]0.0321-0.890919
(657.5, 674.5]0.0385-0.890919
(674.5, 689.5]0.0391-0.890919
(689.5, 734.5]0.0899-0.890920
(734.5, inf]0.1191-0.890921
risk_v8_slowirr(-inf, 19.5]0.1259-0.418819
(19.5, 26.5]0.0942-0.418819
(26.5, 31.5]0.0673-0.418819
(31.5, 37.5]0.0555-0.418819
(37.5, 46.5]0.0435-0.418818
(46.5, 49.5]-0.0024-0.418818
(49.5, 56.5]-0.0438-0.418817
(56.5, 61.5]-0.0111-0.418818
(61.5, 70.5]-0.0984-0.418817
(70.5, inf]-0.1803-0.418816
mobile_fixed_grade(-inf, 2.5]-0.01150.030918
(2.5, 4.5]-0.02070.030918
(4.5, 5.5]-0.02770.030918
(5.5, 6.5]-0.08310.030918
(6.5, 7.5]-0.04890.030918
(7.5, 8.5]0.01970.030918
(8.5, 9.5]0.10060.030918
(9.5, inf]0.08130.030918
adr_stability_grade(-inf, 1.5]-0.15950.035718
(1.5, 3.5]-0.06340.035718
(3.5, 5.5]-0.03600.035718
(5.5, 6.5]0.00640.035718
(6.5, 7.5]0.04120.035718
(7.5, 8.5]0.06800.035718
(8.5, 9.5]0.09290.035718
(9.5, inf]0.10970.035718
have_car_prob_grade(-inf, 1.5]-0.1272-0.223117
(1.5, inf]0.1760-0.223119
have_fang_prob_grade(-inf, 1.5]-0.06960.443219
(1.5, inf]0.10340.443217
last_6m_avg_asset_total_grade(-inf, 1.5]-0.0861-0.680316
(1.5, 2.5]0.0177-0.680318
(2.5, 3.5]0.0169-0.680318
(3.5, 4.5]0.0199-0.680318
(4.5, 5.5]0.0217-0.680318
(5.5, inf]0.0748-0.680319
tot_pay_amt_6m_grade(-inf, 1.5]-0.1771-0.060218
(1.5, 2.5]0.0037-0.060218
(2.5, 3.5]0.0230-0.060218
(3.5, 4.5]0.0432-0.060218
(4.5, 5.5]0.0395-0.060218
(5.5, 6.5]0.0414-0.060218
(6.5, 7.5]0.0465-0.060218
(7.5, inf]0.0886-0.060218
first_loan_length_grade(-inf, 1.5]-0.1228-0.839815
(1.5, 4.5]-0.1020-0.839815
(4.5, 5.5]-0.0499-0.839817
(5.5, 6.5]-0.0316-0.839817
(6.5, inf]0.1799-0.839822
avg_bal_6m_grade(-inf, 1.5]-0.14021.806225
(1.5, 3.5]0.00441.806218
(3.5, 5.5]0.06631.806215
(5.5, 6.5]0.03591.806216
(6.5, 7.5]0.04081.806216
(7.5, inf]0.10331.806213
repay_amt_6m_grade(-inf, 1.5]-0.1751-3.02633
(1.5, 3.5]-0.0107-3.026317
(3.5, 4.5]0.0055-3.026318
(4.5, 5.5]0.0520-3.026323
(5.5, 6.5]0.1000-3.026327
(6.5, inf]0.1760-3.026333
positive_biz_cnt_1y_grade(-inf, 1.5]-0.13140.241219
(1.5, 3.5]-0.02130.241218
(3.5, 8.5]-0.02950.241218
(8.5, inf]0.14680.241217
risk_score(-inf, 1.5]0.2728-1.349529
(1.5, 2.5]0.0718-1.349521
(2.5, 3.5]-0.0757-1.349515
(3.5, 4.5]-0.0929-1.349514
(4.5, 5.5]-0.1032-1.349514
(5.5, inf]-0.1234-1.349513
cust_seg2(-inf, 2.5]0.2071-0.213119
(2.5, 3.5]0.0262-0.213118
(3.5, inf]-0.2032-0.213117
dev_stability_grade2(-inf, 1.5]0.0619-0.540719
(1.5, 2.5]0.0782-0.540719
(2.5, 3.5]-0.0270-0.540718
(3.5, inf]-0.1133-0.540716
repayment_ability_rank2(-inf, 1.5]0.0922-0.500219
(1.5, 2.5]0.1023-0.500219
(2.5, 3.5]-0.0396-0.500217
(3.5, inf]-0.1195-0.500216

09 模型表现

模型 KS & GINI（按样本）

模型样本KSGINI
LR + WOE 评分卡开发样本0.37780.5018
LR + WOE 评分卡预留验证样本0.31980.4322
LR + WOE 评分卡跨时间验证样本(OOT)0.24720.3410

LR + WOE 评分卡 — 分数段表现

开发样本

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0048 ~ 0.0290158310.01%15542911.79%1.10%1.83%1.83%53.5953.59
20.0291 ~ 0.0515158220.00%15255711.57%3.26%3.60%2.72%26.7535.80
30.0515 ~ 0.0767158230.00%14859711.26%6.94%6.13%3.86%15.3124.94
40.0767 ~ 0.1056158240.00%142615610.82%12.86%9.86%5.36%9.1417.67
50.1056 ~ 0.1398158250.00%141117110.70%19.34%10.81%6.45%8.2514.51
60.1398 ~ 0.1776158260.00%133225010.10%28.82%15.80%8.01%5.3311.49
70.1776 ~ 0.2227158270.00%12613219.56%40.99%20.29%9.76%3.939.25
80.2228 ~ 0.2767158280.00%11903929.03%55.86%24.78%11.64%3.047.59
90.2767 ~ 0.3468158289.99%10924908.28%74.44%30.97%13.79%2.236.25
100.3468 ~ 0.66981583100.00%9096746.89%100.00%42.58%16.67%1.355.00
TOTALS1582213185263716.67%—5.00

预留验证样本

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0069 ~ 0.032752110.00%5101111.15%1.74%2.11%2.11%46.3646.36
20.0327 ~ 0.051552120.00%4992210.90%5.21%4.22%3.17%22.6830.58
30.0516 ~ 0.073452130.00%5021910.97%8.20%3.65%3.33%26.4229.06
40.0734 ~ 0.098252140.00%4784310.45%14.98%8.25%4.56%11.1220.94
50.0982 ~ 0.125552150.00%4645710.14%23.97%10.94%5.83%8.1416.14
60.1256 ~ 0.157552160.00%4635810.12%33.12%11.13%6.72%7.9813.89
70.1576 ~ 0.192152170.00%457649.99%43.22%12.28%7.51%7.1412.31
80.1922 ~ 0.241152180.00%429929.38%57.73%17.66%8.78%4.6610.39
90.2411 ~ 0.309852190.00%4151069.07%74.45%20.35%10.07%3.928.93
100.3098 ~ 0.5613521100.00%3591627.85%100.00%31.09%12.17%2.227.22
TOTALS5210457663412.17%—7.22

跨时间验证样本(OOT)

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0078 ~ 0.040449610.01%4722412.12%2.26%4.84%4.84%19.6719.67
20.0405 ~ 0.062649520.00%4385711.25%7.64%11.52%8.17%7.6811.23
30.0626 ~ 0.084449530.00%4266910.94%14.15%13.94%10.09%6.178.91
40.0845 ~ 0.108649640.01%4148210.63%21.89%16.53%11.71%5.057.54
50.1086 ~ 0.132849550.00%4009510.27%30.85%19.19%13.20%4.216.57
60.1329 ~ 0.163649559.99%3771189.68%41.98%23.84%14.97%3.195.68
70.1637 ~ 0.198649670.00%3811159.78%52.83%23.19%16.15%3.315.19
80.1989 ~ 0.240649580.00%3561399.14%65.94%28.08%17.64%2.564.67
90.2411 ~ 0.304749589.99%3411548.76%80.47%31.11%19.13%2.214.23
100.3047 ~ 0.5704496100.00%2892077.42%100.00%41.73%21.40%1.403.67
TOTALS49543894106021.40%—3.67

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

LR + WOE 评分卡

样本KSGINI
开发样本0.37780.5018
预留验证样本0.31980.4322
跨时间验证样本(OOT)0.24720.3410

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
LR + WOE 评分卡0.0770

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_grade0.0700稳定
risk_score0.0595稳定
bh_CO4001score0.0433稳定
tot_pay_amt_6m_grade0.0402稳定
adr_stability_grade0.0357稳定
have_fang_prob_grade0.0278稳定
bh_a1040.0227稳定
bh_a1130.0226稳定
model_risk_v9_sxiaojin_score0.0179稳定
have_car_prob_grade0.0166稳定
ScoreCust10.0163稳定
ScoreCust20.0138稳定
model_10344680.0126稳定
PY083P0.0118稳定
cust_seg20.0115稳定
repay_amt_6m_grade0.0109稳定
model_10344670.0094稳定
avg_bal_6m_grade0.0089稳定
dev_stability_grade20.0089稳定
last_6m_avg_asset_total_grade0.0088稳定
score_500210.0079稳定
repayment_ability_rank20.0079稳定
risk_v8_slowirr0.0073稳定
positive_biz_cnt_1y_grade0.0070稳定
zszs_xy_score0.0068稳定
dxm_2025v20.0065稳定
xmf_v11xj0.0059稳定
mobile_fixed_grade0.0056稳定
score926630.0053稳定
model_risk_v9_stongyong_score0.0037稳定
bh_a104 — PSI 0.0227
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.5]61.36%55.70%-5.66%0.0055
(0.5, 1.5]12.52%12.13%-0.39%0.0001
(1.5, 2.5]9.00%10.00%1.00%0.0011
(2.5, 6.5]11.66%13.80%2.14%0.0036
(6.5, inf]5.46%8.37%2.91%0.0124
bh_a113 — PSI 0.0226
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.5]61.36%55.70%-5.66%0.0055
(0.5, 1.5]23.42%23.82%0.40%0.0001
(1.5, 2.5]8.29%10.24%1.95%0.0041
(2.5, inf]6.93%10.24%3.31%0.0129
ScoreCust1 — PSI 0.0163
分栏开发基准比例OOT 比例变更贡献
(-inf, 569.5]5.38%6.72%1.34%0.0030
(569.5, 622.5]9.23%10.21%0.98%0.0010
(622.5, 644.5]5.15%6.32%1.17%0.0024
(644.5, 679.5]9.41%9.83%0.42%0.0002
(679.5, 707.5]9.37%9.57%0.20%0.0000
(707.5, 726.5]6.38%6.74%0.36%0.0002
(726.5, 749.5]8.53%8.76%0.23%0.0001
(749.5, 786.5]13.89%13.83%-0.06%0.0000
(786.5, 833.5]14.15%13.34%-0.81%0.0005
(833.5, inf]18.52%14.67%-3.84%0.0089
ScoreCust2 — PSI 0.0138
分栏开发基准比例OOT 比例变更贡献
(-inf, 550.5]6.71%7.02%0.31%0.0001
(550.5, 603.5]9.71%10.64%0.93%0.0009
(603.5, 684.5]19.13%22.47%3.34%0.0054
(684.5, 702.5]5.66%5.55%-0.11%0.0000
(702.5, 723.5]6.57%6.60%0.03%0.0000
(723.5, 747.5]7.88%8.22%0.33%0.0001
(747.5, 784.5]12.18%11.02%-1.16%0.0012
(784.5, 802.5]5.56%5.53%-0.03%0.0000
(802.5, 844.5]10.27%9.51%-0.76%0.0006
(844.5, inf]16.32%13.44%-2.88%0.0056
dxm_2025v2 — PSI 0.0065
分栏开发基准比例OOT 比例变更贡献
(-inf, 365.5]5.05%4.97%-0.08%0.0000
(365.5, 374.5]6.19%5.91%-0.27%0.0001
(374.5, 379.5]5.56%4.93%-0.63%0.0008
(379.5, 387.5]10.42%10.01%-0.40%0.0002
(387.5, 398.5]17.34%18.51%1.17%0.0008
(398.5, 401.5]5.45%4.62%-0.83%0.0014
(401.5, 412.5]18.22%19.72%1.50%0.0012
(412.5, 422.5]12.12%12.62%0.50%0.0002
(422.5, 443.5]12.16%12.35%0.19%0.0000
(443.5, inf]7.50%6.36%-1.14%0.0019
score92663 — PSI 0.0053
分栏开发基准比例OOT 比例变更贡献
(-inf, 31.715349197387695]5.85%6.10%0.24%0.0001
(31.715349197387695, 38.77465057373047]10.66%10.62%-0.05%0.0000
(38.77465057373047, 42.77254867553711]9.01%9.66%0.65%0.0005
(42.77254867553711, 46.850149154663086]11.29%12.46%1.17%0.0012
(46.850149154663086, 51.011600494384766]12.55%12.32%-0.23%0.0000
(51.011600494384766, 54.091299057006836]9.21%9.54%0.34%0.0001
(54.091299057006836, 59.89684867858887]17.65%17.24%-0.41%0.0001
(59.89684867858887, 63.64575004577637]9.24%9.50%0.26%0.0001
(63.64575004577637, 66.37909698486328]5.01%4.64%-0.37%0.0003
(66.37909698486328, inf]9.53%7.92%-1.61%0.0030
model_risk_v9_stongyong_score — PSI 0.0037
分栏开发基准比例OOT 比例变更贡献
(-inf, 28.5]5.74%4.88%-0.86%0.0014
(28.5, 38.5]13.05%13.08%0.04%0.0000
(38.5, 44.5]15.07%16.31%1.24%0.0010
(44.5, 46.5]6.30%6.02%-0.29%0.0001
(46.5, 48.5]6.71%6.85%0.13%0.0000
(48.5, 54.5]19.92%20.42%0.50%0.0001
(54.5, 56.5]5.87%6.26%0.39%0.0003
(56.5, 59.5]8.22%7.92%-0.30%0.0001
(59.5, 64.5]10.01%9.95%-0.07%0.0000
(64.5, inf]9.11%8.32%-0.79%0.0007
model_risk_v9_sxiaojin_score — PSI 0.0179
分栏开发基准比例OOT 比例变更贡献
(-inf, 29.5]6.43%6.18%-0.25%0.0001
(29.5, 35.5]7.96%8.20%0.24%0.0001
(35.5, 42.5]18.48%20.90%2.42%0.0030
(42.5, 46.5]14.36%16.37%2.01%0.0026
(46.5, 50.5]15.34%15.96%0.62%0.0002
(50.5, 53.5]10.37%10.09%-0.28%0.0001
(53.5, 55.5]6.02%5.47%-0.55%0.0005
(55.5, 58.5]7.38%6.64%-0.74%0.0008
(58.5, 62.5]6.96%5.45%-1.51%0.0037
(62.5, inf]6.70%4.74%-1.96%0.0068
model_1034467 — PSI 0.0094
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.0710735023021698]10.16%8.74%-1.42%0.0021
(0.0710735023021698, 0.07787349820137024]7.83%7.59%-0.24%0.0001
(0.07787349820137024, 0.08219949901103973]5.45%5.12%-0.33%0.0002
(0.08219949901103973, 0.08883550018072128]8.54%7.49%-1.06%0.0014
(0.08883550018072128, 0.0934550017118454]5.90%5.80%-0.09%0.0000
(0.0934550017118454, 0.09958449751138687]9.36%8.90%-0.46%0.0002
(0.09958449751138687, 0.1323539987206459]27.19%27.02%-0.17%0.0000
(0.1323539987206459, 0.14288699626922607]5.04%5.57%0.53%0.0005
(0.14288699626922607, 0.16508999466896057]7.82%9.19%1.37%0.0022
(0.16508999466896057, inf]12.71%14.58%1.87%0.0026
model_1034468 — PSI 0.0126
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.07395549863576889]12.62%11.09%-1.53%0.0020
(0.07395549863576889, 0.08735150098800659]22.10%20.65%-1.45%0.0010
(0.08735150098800659, 0.09130899980664253]6.44%5.62%-0.82%0.0011
(0.09130899980664253, 0.09519950300455093]5.04%4.91%-0.13%0.0000
(0.09519950300455093, 0.10096599906682968]6.35%5.47%-0.88%0.0013
(0.10096599906682968, 0.10976199805736542]7.93%8.82%0.89%0.0009
(0.10976199805736542, 0.13253449648618698]14.56%15.16%0.60%0.0002
(0.13253449648618698, 0.14993049949407578]8.11%8.40%0.30%0.0001
(0.14993049949407578, 0.19136500358581543]10.73%11.98%1.25%0.0014
(0.19136500358581543, inf]6.13%7.90%1.77%0.0045
score_50021 — PSI 0.0079
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.005150000099092722]7.77%6.25%-1.52%0.0033
(0.005150000099092722, 0.007949999999254942]10.39%10.79%0.39%0.0001
(0.007949999999254942, 0.009650000371038914]7.09%6.23%-0.87%0.0011
(0.009650000371038914, 0.012349999975413084]11.60%11.86%0.25%0.0001
(0.012349999975413084, 0.014750000089406967]9.96%10.99%1.03%0.0010
(0.014750000089406967, 0.02075000014156103]20.77%21.18%0.41%0.0001
(0.02075000014156103, 0.02365000080317259]7.08%7.77%0.68%0.0006
(0.02365000080317259, 0.02715000044554472]6.87%5.98%-0.89%0.0012
(0.02715000044554472, 0.040550000965595245]12.22%12.82%0.60%0.0003
(0.040550000965595245, inf]6.23%6.14%-0.09%0.0000
zszs_xy_score — PSI 0.0068
分栏开发基准比例OOT 比例变更贡献
(-inf, 685.5]9.41%7.72%-1.70%0.0034
(685.5, 692.5]7.15%6.43%-0.72%0.0008
(692.5, 696.5]5.09%5.00%-0.09%0.0000
(696.5, 701.5]7.33%6.57%-0.76%0.0008
(701.5, 704.5]5.56%5.63%0.08%0.0000
(704.5, 712.5]15.57%15.78%0.20%0.0000
(712.5, 731.5]31.06%33.13%2.07%0.0013
(731.5, 737.5]6.31%6.53%0.22%0.0001
(737.5, 749.5]7.27%7.59%0.32%0.0001
(749.5, inf]5.25%5.61%0.36%0.0002
xmf_v11xj — PSI 0.0059
分栏开发基准比例OOT 比例变更贡献
(-inf, 397.5]16.38%18.11%1.73%0.0017
(397.5, 410.5]17.00%17.60%0.61%0.0002
(410.5, 415.5]7.87%7.03%-0.84%0.0010
(415.5, 418.5]5.43%4.63%-0.80%0.0013
(418.5, 422.5]5.41%5.02%-0.39%0.0003
(422.5, 426.5]5.15%4.51%-0.65%0.0009
(426.5, 433.5]7.30%7.78%0.47%0.0003
(433.5, 444.5]9.94%9.71%-0.24%0.0001
(444.5, 475.5]18.12%18.52%0.40%0.0001
(475.5, inf]7.41%7.11%-0.30%0.0001
bh_CO4001score — PSI 0.0433
分栏开发基准比例OOT 比例变更贡献
(-inf, 35.5]7.36%8.80%1.44%0.0026
(35.5, 39.5]10.59%12.84%2.25%0.0043
(39.5, 42.5]12.69%15.55%2.86%0.0058
(42.5, 45.5]14.19%16.80%2.61%0.0044
(45.5, 46.5]5.85%5.83%-0.02%0.0000
(46.5, 47.5]5.07%4.54%-0.53%0.0006
(47.5, 50.5]15.85%14.54%-1.32%0.0011
(50.5, 53.5]13.89%11.45%-2.45%0.0047
(53.5, 55.5]5.60%3.82%-1.78%0.0068
(55.5, inf]8.90%5.83%-3.06%0.0129
PY083P — PSI 0.0118
分栏开发基准比例OOT 比例变更贡献
(-inf, 518.5]5.04%3.65%-1.40%0.0045
(518.5, 571.5]14.86%13.29%-1.57%0.0018
(571.5, 584.5]6.35%6.14%-0.21%0.0001
(584.5, 597.5]7.77%6.77%-1.01%0.0014
(597.5, 629.5]20.96%21.47%0.51%0.0001
(629.5, 657.5]16.29%17.14%0.85%0.0004
(657.5, 674.5]7.22%8.08%0.86%0.0010
(674.5, 689.5]5.11%5.96%0.84%0.0013
(689.5, 734.5]9.09%10.19%1.10%0.0013
(734.5, inf]7.31%7.33%0.02%0.0000
risk_v8_slowirr — PSI 0.0073
分栏开发基准比例OOT 比例变更贡献
(-inf, 19.5]6.87%6.65%-0.23%0.0001
(19.5, 26.5]7.44%7.44%-0.01%0.0000
(26.5, 31.5]6.47%6.87%0.40%0.0002
(31.5, 37.5]9.25%10.13%0.88%0.0008
(37.5, 46.5]16.42%16.92%0.50%0.0001
(46.5, 49.5]5.49%5.98%0.49%0.0004
(49.5, 56.5]13.19%13.35%0.16%0.0000
(56.5, 61.5]9.08%9.32%0.24%0.0001
(61.5, 70.5]14.34%14.28%-0.06%0.0000
(70.5, inf]11.45%9.08%-2.37%0.0055
mobile_fixed_grade — PSI 0.0056
分栏开发基准比例OOT 比例变更贡献
(-inf, 2.5]6.58%6.41%-0.17%0.0000
(2.5, 4.5]9.81%9.94%0.12%0.0000
(4.5, 5.5]6.75%6.47%-0.28%0.0001
(5.5, 6.5]11.79%11.26%-0.53%0.0002
(6.5, 7.5]23.06%21.17%-1.89%0.0016
(7.5, 8.5]17.36%19.83%2.48%0.0033
(8.5, 9.5]16.93%17.44%0.51%0.0002
(9.5, inf]7.73%7.48%-0.25%0.0001
adr_stability_grade — PSI 0.0357
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]27.76%21.23%-6.53%0.0175
(1.5, 3.5]5.86%5.74%-0.12%0.0000
(3.5, 5.5]10.17%9.07%-1.10%0.0013
(5.5, 6.5]9.57%10.30%0.73%0.0005
(6.5, 7.5]14.64%16.08%1.44%0.0014
(7.5, 8.5]11.11%14.95%3.83%0.0114
(8.5, 9.5]11.75%13.87%2.12%0.0035
(9.5, inf]9.13%8.76%-0.37%0.0002
have_car_prob_grade — PSI 0.0166
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]61.14%54.78%-6.36%0.0070
(1.5, inf]38.86%45.22%6.36%0.0096
have_fang_prob_grade — PSI 0.0278
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]66.72%74.31%7.59%0.0082
(1.5, inf]33.28%25.69%-7.59%0.0196
last_6m_avg_asset_total_grade — PSI 0.0088
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]50.71%46.36%-4.35%0.0039
(1.5, 2.5]7.58%8.19%0.61%0.0005
(2.5, 3.5]19.05%19.67%0.62%0.0002
(3.5, 4.5]6.26%7.10%0.84%0.0011
(4.5, 5.5]5.41%5.88%0.47%0.0004
(5.5, inf]10.98%12.80%1.82%0.0028
tot_pay_amt_6m_grade — PSI 0.0402
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]37.26%28.31%-8.95%0.0246
(1.5, 2.5]13.53%14.22%0.69%0.0003
(2.5, 3.5]9.12%9.73%0.61%0.0004
(3.5, 4.5]11.23%12.57%1.34%0.0015
(4.5, 5.5]8.49%10.06%1.57%0.0027
(5.5, 6.5]5.27%6.14%0.88%0.0014
(6.5, 7.5]5.59%6.49%0.90%0.0014
(7.5, inf]9.52%12.47%2.95%0.0080
first_loan_length_grade — PSI 0.0700
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]13.01%6.57%-6.44%0.0440
(1.5, 4.5]7.90%5.27%-2.62%0.0106
(4.5, 5.5]7.55%6.43%-1.12%0.0018
(5.5, 6.5]9.46%10.57%1.10%0.0012
(6.5, inf]62.08%71.16%9.08%0.0124
avg_bal_6m_grade — PSI 0.0089
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]49.99%48.06%-1.93%0.0008
(1.5, 3.5]13.06%11.93%-1.13%0.0010
(3.5, 5.5]12.96%12.72%-0.24%0.0000
(5.5, 6.5]8.16%8.09%-0.06%0.0000
(6.5, 7.5]5.44%6.09%0.65%0.0007
(7.5, inf]10.39%13.11%2.72%0.0063
repay_amt_6m_grade — PSI 0.0109
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]51.45%47.11%-4.34%0.0038
(1.5, 3.5]10.88%11.15%0.28%0.0001
(3.5, 4.5]6.47%7.52%1.06%0.0016
(4.5, 5.5]9.46%11.56%2.10%0.0042
(5.5, 6.5]8.77%9.82%1.04%0.0012
(6.5, inf]12.97%12.84%-0.13%0.0000
positive_biz_cnt_1y_grade — PSI 0.0070
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]29.66%26.89%-2.77%0.0027
(1.5, 3.5]11.69%11.05%-0.64%0.0004
(3.5, 8.5]8.49%7.75%-0.74%0.0007
(8.5, inf]50.17%54.31%4.14%0.0033
risk_score — PSI 0.0595
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]25.27%18.17%-7.10%0.0234
(1.5, 2.5]32.26%36.44%4.18%0.0051
(2.5, 3.5]17.96%23.65%5.69%0.0157
(3.5, 4.5]11.11%12.19%1.07%0.0010
(4.5, 5.5]6.51%5.15%-1.36%0.0032
(5.5, inf]6.89%4.40%-2.49%0.0112
cust_seg2 — PSI 0.0115
分栏开发基准比例OOT 比例变更贡献
(-inf, 2.5]22.93%20.40%-2.53%0.0030
(2.5, 3.5]50.23%55.57%5.34%0.0054
(3.5, inf]26.84%24.03%-2.81%0.0031
dev_stability_grade2 — PSI 0.0089
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]11.72%12.70%0.97%0.0008
(1.5, 2.5]40.19%42.30%2.12%0.0011
(2.5, 3.5]25.36%26.04%0.68%0.0002
(3.5, inf]22.73%18.96%-3.77%0.0068
repayment_ability_rank2 — PSI 0.0079
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]10.57%9.15%-1.42%0.0021
(1.5, 2.5]26.94%27.48%0.54%0.0001
(2.5, 3.5]35.23%38.67%3.44%0.0032
(3.5, inf]27.26%24.70%-2.56%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。

bh_a104
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.5]845661.36%7268118814.05%6.12
2(0.5, 1.5]172573.88%135836721.28%3.70
3(1.5, 2.5]124082.87%101922117.82%4.61
4(2.5, 6.5]160794.54%129431319.48%4.13
5(6.5, inf]753100.00%62912416.47%5.07
合计1378111568221316.06%5.23
bh_a113
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.5]845661.36%7268118814.05%6.12
2(0.5, 1.5]322784.78%260861919.18%4.21
3(1.5, 2.5]114393.07%91223120.21%3.95
4(2.5, inf]955100.00%78017518.32%4.46
合计1378111568221316.06%5.23
ScoreCust1
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 569.5]8515.38%59725429.85%2.35
2(569.5, 622.5]146114.61%107039126.76%2.74
3(622.5, 644.5]81519.76%64417120.98%3.77
4(644.5, 679.5]148929.17%114434523.17%3.32
5(679.5, 707.5]148238.54%117630620.65%3.84
6(707.5, 726.5]100944.92%83717217.05%4.87
7(726.5, 749.5]134953.44%108226719.79%4.05
8(749.5, 786.5]219767.33%189330413.84%6.23
9(786.5, 833.5]223981.48%197526411.79%7.48
10(833.5, inf]2930100.00%27671635.56%16.98
合计1582213185263716.67%5.00
ScoreCust2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 550.5]10626.71%73932330.41%2.29
2(550.5, 603.5]153616.42%112341326.89%2.72
3(603.5, 684.5]302735.55%239463320.91%3.78
4(684.5, 702.5]89641.21%73116518.42%4.43
5(702.5, 723.5]104047.79%81122922.02%3.54
6(723.5, 747.5]124755.67%102022718.20%4.49
7(747.5, 784.5]192767.85%164528214.63%5.83
8(784.5, 802.5]88073.41%77710311.70%7.54
9(802.5, 844.5]162583.68%14841418.68%10.52
10(844.5, inf]2582100.00%24611214.69%20.34
合计1582213185263716.67%5.00
dxm_2025v2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 365.5]7995.05%58021927.41%2.65
2(365.5, 374.5]97911.24%73324625.13%2.98
3(374.5, 379.5]87916.79%63724227.53%2.63
4(379.5, 387.5]164827.21%126838023.06%3.34
5(387.5, 398.5]274444.55%221453019.31%4.18
6(398.5, 401.5]86250.00%73312914.97%5.68
7(401.5, 412.5]288368.22%241546816.23%5.16
8(412.5, 422.5]191780.34%169122611.79%7.48
9(422.5, 443.5]192492.50%17671578.16%11.25
10(443.5, inf]1187100.00%1147403.37%28.68
合计1582213185263716.67%5.00
score92663
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 31.715349197387695]9195.85%894252.72%35.76
2(31.715349197387695, 38.77465057373047]167416.52%15501247.41%12.50
3(38.77465057373047, 42.77254867553711]141525.53%127214310.11%8.90
4(42.77254867553711, 46.850149154663086]177236.82%156320911.79%7.48
5(46.850149154663086, 51.011600494384766]197049.37%162035017.77%4.63
6(51.011600494384766, 54.091299057006836]144558.57%122721815.09%5.63
7(54.091299057006836, 59.89684867858887]277176.23%221156020.21%3.95
8(59.89684867858887, 63.64575004577637]145085.46%109635424.41%3.10
9(63.64575004577637, 66.37909698486328]78690.47%61716921.50%3.65
10(66.37909698486328, inf]1496100.00%104145530.41%2.29
合计1569813091260716.61%5.02
model_risk_v9_stongyong_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 28.5]9015.74%873283.11%31.18
2(28.5, 38.5]204918.79%19071426.93%13.43
3(38.5, 44.5]236633.85%211525110.61%8.43
4(44.5, 46.5]99040.16%85813213.33%6.50
5(46.5, 48.5]105446.87%89016415.56%5.43
6(48.5, 54.5]312866.79%257055817.84%4.61
7(54.5, 56.5]92172.65%71720422.15%3.51
8(56.5, 59.5]129180.88%102526620.60%3.85
9(59.5, 64.5]157290.89%118139124.87%3.02
10(64.5, inf]1431100.00%95947232.98%2.03
合计1570313095260816.61%5.02
model_risk_v9_sxiaojin_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 29.5]10106.43%974363.56%27.06
2(29.5, 35.5]125014.39%1169816.48%14.43
3(35.5, 42.5]290232.87%26162869.86%9.15
4(42.5, 46.5]225547.23%194531013.75%6.27
5(46.5, 50.5]240962.57%201539416.36%5.11
6(50.5, 53.5]162872.94%129932920.21%3.95
7(53.5, 55.5]94578.96%70923624.97%3.00
8(55.5, 58.5]115986.34%88527423.64%3.23
9(58.5, 62.5]109393.30%79429927.36%2.66
10(62.5, inf]1052100.00%68936334.51%1.90
合计1570313095260816.61%5.02
model_1034467
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.0710735023021698]153510.16%1453825.34%17.72
2(0.0710735023021698, 0.07787349820137024]118317.99%10651189.97%9.03
3(0.07787349820137024, 0.08219949901103973]82323.43%70911413.85%6.22
4(0.08219949901103973, 0.08883550018072128]129131.97%11851068.21%11.18
5(0.08883550018072128, 0.0934550017118454]89137.87%76612514.03%6.13
6(0.0934550017118454, 0.09958449751138687]141547.23%116824717.46%4.73
7(0.09958449751138687, 0.1323539987206459]410974.42%328582420.05%3.99
8(0.1323539987206459, 0.14288699626922607]76279.47%58517723.23%3.31
9(0.14288699626922607, 0.16508999466896057]118287.29%96521718.36%4.45
10(0.16508999466896057, inf]1921100.00%143448725.35%2.94
合计1511212615249716.52%5.05
model_1034468
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.07395549863576889]190712.62%17891186.19%15.16
2(0.07395549863576889, 0.08735150098800659]334034.72%288545513.62%6.34
3(0.08735150098800659, 0.09130899980664253]97341.16%79817517.99%4.56
4(0.09130899980664253, 0.09519950300455093]76246.20%65610613.91%6.19
5(0.09519950300455093, 0.10096599906682968]95952.55%75120821.69%3.61
6(0.10096599906682968, 0.10976199805736542]119860.48%100719115.94%5.27
7(0.10976199805736542, 0.13253449648618698]220075.03%178641418.82%4.31
8(0.13253449648618698, 0.14993049949407578]122583.14%94827722.61%3.42
9(0.14993049949407578, 0.19136500358581543]162193.87%129432720.17%3.96
10(0.19136500358581543, inf]927100.00%70122624.38%3.10
合计1511212615249716.52%5.05
score_50021
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.005150000099092722]12027.77%1154483.99%24.04
2(0.005150000099092722, 0.007949999999254942]160818.16%14891197.40%12.51
3(0.007949999999254942, 0.009650000371038914]109725.25%95014713.40%6.46
4(0.009650000371038914, 0.012349999975413084]179536.86%159719811.03%8.07
5(0.012349999975413084, 0.014750000089406967]154146.82%132521614.02%6.13
6(0.014750000089406967, 0.02075000014156103]321467.59%265955517.27%4.79
7(0.02075000014156103, 0.02365000080317259]109674.68%83526123.81%3.20
8(0.02365000080317259, 0.02715000044554472]106381.55%84022320.98%3.77
9(0.02715000044554472, 0.040550000965595245]189193.77%141247925.33%2.95
10(0.040550000965595245, inf]964100.00%64432033.20%2.01
合计1547112905256616.59%5.03
zszs_xy_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 685.5]14669.41%108238426.19%2.82
2(685.5, 692.5]111316.56%86524822.28%3.49
3(692.5, 696.5]79221.65%59919324.37%3.10
4(696.5, 701.5]114128.98%94319817.35%4.76
5(701.5, 704.5]86534.53%69017520.23%3.94
6(704.5, 712.5]242550.11%200242317.44%4.73
7(712.5, 731.5]483681.16%413869814.43%5.93
8(731.5, 737.5]98387.48%896878.85%10.30
9(737.5, 749.5]113294.75%101112110.69%8.36
10(749.5, inf]818100.00%763556.72%13.87
合计1557112989258216.58%5.03
xmf_v11xj
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 397.5]255916.38%198257722.55%3.44
2(397.5, 410.5]265533.38%214051519.40%4.16
3(410.5, 415.5]122941.24%100422518.31%4.46
4(415.5, 418.5]84846.67%72412414.62%5.84
5(418.5, 422.5]84552.08%69914617.28%4.79
6(422.5, 426.5]80557.23%63217321.49%3.65
7(426.5, 433.5]114164.54%94020117.62%4.68
8(433.5, 444.5]155374.48%130924415.71%5.36
9(444.5, 475.5]283092.59%251231811.24%7.90
10(475.5, inf]1157100.00%1084736.31%14.85
合计1562213026259616.62%5.02
bh_CO4001score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 35.5]11657.36%1109564.81%19.80
2(35.5, 39.5]167617.96%15361408.35%10.97
3(39.5, 42.5]200730.64%174226513.20%6.57
4(42.5, 45.5]224544.83%192432114.30%5.99
5(45.5, 46.5]92650.69%76416217.49%4.72
6(46.5, 47.5]80255.76%68511714.59%5.85
7(47.5, 50.5]250871.61%205445418.10%4.52
8(50.5, 53.5]219885.50%165054824.93%3.01
9(53.5, 55.5]88691.10%67720923.59%3.24
10(55.5, inf]1408100.00%104336525.92%2.86
合计1582113184263716.67%5.00
PY083P
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 518.5]7925.04%57222027.78%2.60
2(518.5, 571.5]233419.90%173260225.79%2.88
3(571.5, 584.5]99726.25%78021721.77%3.59
4(584.5, 597.5]122134.02%99123018.84%4.31
5(597.5, 629.5]329354.98%273455916.98%4.89
6(629.5, 657.5]255971.27%218037914.81%5.75
7(657.5, 674.5]113478.49%99314112.43%7.04
8(674.5, 689.5]80383.60%7168710.83%8.23
9(689.5, 734.5]142892.69%13031258.75%10.42
10(734.5, inf]1148100.00%1100484.18%22.92
合计1570913101260816.60%5.02
risk_v8_slowirr
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 19.5]10796.87%1049302.78%34.97
2(19.5, 26.5]116814.31%1088806.85%13.60
3(26.5, 31.5]101620.79%928888.66%10.55
4(31.5, 37.5]145230.04%128117111.78%7.49
5(37.5, 46.5]257746.45%221136614.20%6.04
6(46.5, 49.5]86251.94%71614616.94%4.90
7(49.5, 56.5]207165.14%166640519.56%4.11
8(56.5, 61.5]142574.21%117425117.61%4.68
9(61.5, 70.5]225188.55%173551622.92%3.36
10(70.5, inf]1797100.00%124355430.83%2.24
合计1569813091260716.61%5.02
mobile_fixed_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 2.5]10366.58%84918718.05%4.54
2(2.5, 4.5]154616.39%126128518.43%4.42
3(4.5, 5.5]106423.14%85221219.92%4.02
4(5.5, 6.5]185734.93%143242522.89%3.37
5(6.5, 7.5]363357.98%294868518.85%4.30
6(7.5, 8.5]273575.34%230842715.61%5.41
7(8.5, 9.5]266792.27%236530211.32%7.83
8(9.5, inf]1218100.00%11151038.46%10.83
合计1575613130262616.67%5.00
adr_stability_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]437427.76%3359101523.21%3.31
2(1.5, 3.5]92333.62%69023325.24%2.96
3(3.5, 5.5]160243.79%128731519.66%4.09
4(5.5, 6.5]150853.36%126524316.11%5.21
5(6.5, 7.5]230768.00%198032714.17%6.06
6(7.5, 8.5]175179.11%154820311.59%7.63
7(8.5, 9.5]185290.87%166518710.10%8.90
8(9.5, inf]1439100.00%13361037.16%12.97
合计1575613130262616.67%5.00
have_car_prob_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]963361.14%7705192820.01%4.00
2(1.5, inf]6123100.00%542569811.40%7.77
合计1575613130262616.67%5.00
have_fang_prob_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]1051266.72%8578193418.40%4.44
2(1.5, inf]5244100.00%455269213.20%6.58
合计1575613130262616.67%5.00
last_6m_avg_asset_total_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]799050.71%6463152719.11%4.23
2(1.5, 2.5]119558.30%101817714.81%5.75
3(2.5, 3.5]300277.35%252747515.82%5.32
4(3.5, 4.5]98683.61%84614014.20%6.04
5(4.5, 5.5]85389.02%73711613.60%6.35
6(5.5, inf]1730100.00%153919111.04%8.06
合计1575613130262616.67%5.00
tot_pay_amt_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]587137.26%4534133722.77%3.39
2(1.5, 2.5]213150.79%178135016.42%5.09
3(2.5, 3.5]143759.91%122721014.61%5.84
4(3.5, 4.5]177071.14%153223813.45%6.44
5(4.5, 5.5]133779.63%116417312.94%6.73
6(5.5, 6.5]83084.89%7418910.72%8.33
7(6.5, 7.5]88090.48%7899110.34%8.67
8(7.5, inf]1500100.00%13621389.20%9.87
合计1575613130262616.67%5.00
first_loan_length_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]205013.01%153251825.27%2.96
2(1.5, 4.5]124420.91%90334127.41%2.65
3(4.5, 5.5]118928.45%92726222.04%3.54
4(5.5, 6.5]149137.92%120129019.45%4.14
5(6.5, inf]9782100.00%8567121512.42%7.05
合计1575613130262616.67%5.00
avg_bal_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]787749.99%6243163420.74%3.82
2(1.5, 3.5]205863.06%172133716.38%5.11
3(3.5, 5.5]204276.02%179125112.29%7.14
4(5.5, 6.5]128584.17%111616913.15%6.60
5(6.5, 7.5]85789.61%7639410.97%8.12
6(7.5, inf]1637100.00%14961418.61%10.61
合计1575613130262616.67%5.00
repay_amt_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]810751.45%6344176321.75%3.60
2(1.5, 3.5]171462.33%141430017.50%4.71
3(3.5, 4.5]101968.80%85616316.00%5.25
4(4.5, 5.5]149178.26%130918212.21%7.19
5(5.5, 6.5]138287.03%12761067.67%12.04
6(6.5, inf]2043100.00%19311125.48%17.24
合计1575613130262616.67%5.00
positive_biz_cnt_1y_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]467329.66%3655101821.78%3.59
2(1.5, 3.5]184241.35%150633618.24%4.48
3(3.5, 8.5]133749.83%107626119.52%4.12
4(8.5, inf]7904100.00%6893101112.79%6.82
合计1575613130262616.67%5.00
risk_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]398125.27%37272546.38%14.67
2(1.5, 2.5]508357.53%436272114.18%6.05
3(2.5, 3.5]282975.48%224258720.75%3.82
4(3.5, 4.5]175186.60%133142023.99%3.17
5(4.5, 5.5]102693.11%72330329.53%2.39
6(5.5, inf]1086100.00%74534131.40%2.18
合计1575613130262616.67%5.00
cust_seg2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 2.5]361322.93%33192948.14%11.29
2(2.5, 3.5]791473.16%6652126215.95%5.27
3(3.5, inf]4229100.00%3159107025.30%2.95
合计1575613130262616.67%5.00
dev_stability_grade2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]184711.72%162122612.24%7.17
2(1.5, 2.5]633251.91%542790514.29%6.00
3(2.5, 3.5]399677.27%328571117.79%4.62
4(3.5, inf]3581100.00%279778421.89%3.57
合计1575613130262616.67%5.00
repayment_ability_rank2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]166510.57%15061599.55%9.47
2(1.5, 2.5]424537.51%370454112.74%6.85
3(2.5, 3.5]555172.74%4551100018.01%4.55
4(3.5, inf]4295100.00%336992621.56%3.64
合计1575613130262616.67%5.00

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
repay_amt_6m_grade0.4053
risk_score0.1971
ScoreCust20.1910
score_500210.1859
dxm_2025v20.1801
avg_bal_6m_grade0.1774
ScoreCust10.1702
first_loan_length_grade0.1082
model_10344670.0861
zszs_xy_score0.0781

区分度验证 — LR + WOE 评分卡 @ OOT

KS = 0.2472，GINI = 0.3410

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0078 ~ 0.040449610.01%4722412.12%2.26%4.84%4.84%19.6719.67
20.0405 ~ 0.062649520.00%4385711.25%7.64%11.52%8.17%7.6811.23
30.0626 ~ 0.084449530.00%4266910.94%14.15%13.94%10.09%6.178.91
40.0845 ~ 0.108649640.01%4148210.63%21.89%16.53%11.71%5.057.54
50.1086 ~ 0.132849550.00%4009510.27%30.85%19.19%13.20%4.216.57
60.1329 ~ 0.163649559.99%3771189.68%41.98%23.84%14.97%3.195.68
70.1637 ~ 0.198649670.00%3811159.78%52.83%23.19%16.15%3.315.19
80.1989 ~ 0.240649580.00%3561399.14%65.94%28.08%17.64%2.564.67
90.2411 ~ 0.304749589.99%3411548.76%80.47%31.11%19.13%2.214.23
100.3047 ~ 0.5704496100.00%2892077.42%100.00%41.73%21.40%1.403.67
TOTALS49543894106021.40%—3.67