风控模型开发验证报告

00 模型概要信息

项目	内容
模型名称	exp_20260908-jbdata-mf80
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	JB_DATA 14-section report verification.
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、XGBoost
目标变量	flag_30
实验 ID	20260908-jbdata-mf80

待补充：模型开发/验证人员、应用频率、产品描述等字段需人工补填。

01 模型设计

建模数据样本窗口

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

模型好坏定义

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

样本排除规则

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

滚动率分析

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

待补充：表现窗口及坏账率分析、模型细分定义需结合业务口径人工补充。

02 数据流

开发时点 — 样本排除

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

注：按照01模型设计的排除规则统计；当前流程的排除项为目标变量缺失。

开发时点 — 开发/预留验证拆分

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

注：当前流程未做样本加权（权重均为1），如需坏样本加权需在上游扩展。

OOT 时点 / PSI 时点

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

03 单变量分析（细分箱）

risk_score — IV 0.0654，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	6258	5830	428	6.84%	0.2504
2	(1.5, 2.5]	8780	7496	1284	14.62%	0.0595
3	(2.5, 3.5]	4851	3869	982	20.24%	-0.0696
4	(3.5, 4.5]	2864	2150	714	24.93%	-0.1049
5	(4.5, 5.5]	1550	1119	431	27.81%	-0.0839
6	(5.5, inf]	1594	1128	466	29.23%	-0.0966

cust_seg2 — IV 0.0464，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.5]	5872	5325	547	9.32%	0.1745
2	(2.5, 3.5]	13452	11295	2157	16.03%	0.0218
3	(3.5, inf]	6573	4972	1601	24.36%	-0.1773

ScoreCust2 — IV 0.0461，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 550.5]	1685	1180	505	29.97%	-0.1062
2	(550.5, 603.5]	2533	1848	685	27.04%	-0.1173
3	(603.5, 645.5]	2454	1921	533	21.72%	-0.0567
4	(645.5, 666.5]	1435	1158	277	19.30%	-0.0188
5	(666.5, 684.5]	1348	1061	287	21.29%	-0.0310
6	(684.5, 738.5]	4508	3663	845	18.74%	-0.0381
7	(738.5, 786.5]	4027	3435	592	14.70%	0.0339
8	(786.5, 839.5]	3656	3278	378	10.34%	0.1036
9	(839.5, 866.5]	1351	1256	95	7.03%	0.0668
10	(866.5, inf]	2989	2855	134	4.48%	0.1740

model_risk_v9_stongyong_score — IV 0.0437，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 28.5]	1439	1390	49	3.41%	0.0989
2	(28.5, 38.5]	3403	3124	279	8.20%	0.1327
3	(38.5, 44.5]	3982	3531	451	11.33%	0.0931
4	(44.5, 46.5]	1646	1417	229	13.91%	0.0223
5	(46.5, 49.5]	2618	2211	407	15.55%	0.0132
6	(49.5, 51.5]	1710	1424	286	16.73%	-0.0008
7	(51.5, 54.5]	2579	2090	489	18.96%	-0.0277
8	(54.5, 59.5]	3605	2814	791	21.94%	-0.0814
9	(59.5, 64.5]	2565	1940	625	24.37%	-0.0898
10	(64.5, inf]	2273	1585	688	30.27%	-0.1406

score_50021 — IV 0.0408，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.005050000036135316]	1793	1710	83	4.63%	0.1111
2	(0.005050000036135316, 0.007250000024214387]	2055	1882	173	8.42%	0.0849
3	(0.007250000024214387, 0.009150000289082527]	1992	1782	210	10.54%	0.0608
4	(0.009150000289082527, 0.012349999975413084]	3480	3029	451	12.96%	0.0582
5	(0.012349999975413084, 0.015250000171363354]	3098	2640	458	14.78%	0.0265
6	(0.015250000171363354, 0.01674999948590994]	1509	1267	242	16.04%	0.0046
7	(0.01674999948590994, 0.018450000323355198]	1542	1245	297	19.26%	-0.0203
8	(0.018450000323355198, 0.02114999946206808]	2046	1699	347	16.96%	-0.0032
9	(0.02114999946206808, 0.03645000047981739]	5749	4415	1334	23.20%	-0.1406
10	(0.03645000047981739, inf]	2170	1532	638	29.40%	-0.1285

model_risk_v9_sxiaojin_score — IV 0.0407，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 29.5]	1651	1586	65	3.94%	0.1076
2	(29.5, 36.5]	2620	2411	209	7.98%	0.1092
3	(36.5, 42.5]	4462	3954	508	11.39%	0.1005
4	(42.5, 46.5]	3835	3285	550	14.34%	0.0383
5	(46.5, 48.5]	2103	1764	339	16.12%	0.0052
6	(48.5, 50.5]	1928	1589	339	17.58%	-0.0089
7	(50.5, 53.5]	2664	2129	535	20.08%	-0.0420
8	(53.5, 58.5]	3300	2520	780	23.64%	-0.0995
9	(58.5, 62.5]	1707	1235	472	27.65%	-0.0901
10	(62.5, inf]	1550	1053	497	32.06%	-0.1149

repay_amt_6m_grade — IV 0.0405，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	12905	10199	2706	20.97%	-0.1490
2	(1.5, 3.5]	2901	2397	504	17.37%	-0.0099
3	(3.5, 4.5]	1784	1508	276	15.47%	0.0101
4	(4.5, 5.5]	2679	2324	355	13.25%	0.0423
5	(5.5, 6.5]	2356	2126	230	9.76%	0.0782
6	(6.5, inf]	3272	3038	234	7.15%	0.1448

ScoreCust1 — IV 0.0387，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 569.5]	1425	1005	420	29.47%	-0.0885
2	(569.5, 622.5]	2437	1773	664	27.25%	-0.1158
3	(622.5, 643.5]	1337	1065	272	20.34%	-0.0245
4	(643.5, 665.5]	1527	1162	365	23.90%	-0.0538
5	(665.5, 689.5]	1803	1438	365	20.24%	-0.0311
6	(689.5, 747.5]	5426	4414	1012	18.65%	-0.0415
7	(747.5, 784.5]	3570	3072	498	13.95%	0.0428
8	(784.5, 833.5]	3866	3412	454	11.74%	0.0836
9	(833.5, 887.5]	3096	2882	214	6.91%	0.1418
10	(887.5, inf]	1499	1432	67	4.47%	0.0937

score92663 — IV 0.0344，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 31.45044994354248]	1476	1429	47	3.18%	0.1030
2	(31.45044994354248, 39.962650299072266]	3500	3194	306	8.74%	0.1267
3	(39.962650299072266, 47.31664848327637]	5137	4472	665	12.95%	0.0777
4	(47.31664848327637, 51.01125144958496]	2863	2360	503	17.57%	-0.0122
5	(51.01125144958496, 53.08215141296387]	1613	1382	231	14.32%	0.0186
6	(53.08215141296387, 57.89995002746582]	3824	3103	721	18.85%	-0.0362
7	(57.89995002746582, 60.136199951171875]	1670	1313	357	21.38%	-0.0387
8	(60.136199951171875, 63.64955139160156]	2213	1676	537	24.27%	-0.0785
9	(63.64955139160156, 67.49970245361328]	1638	1269	369	22.53%	-0.0471
10	(67.49970245361328, inf]	1879	1322	557	29.64%	-0.1148

risk_v8_slowirr — IV 0.0329，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 17.5]	1395	1354	41	2.94%	0.0996
2	(17.5, 27.5]	2643	2435	208	7.87%	0.1115
3	(27.5, 35.5]	3035	2702	333	10.97%	0.0798
4	(35.5, 45.5]	4696	4019	677	14.42%	0.0432
5	(45.5, 54.5]	4335	3569	766	17.67%	-0.0187
6	(54.5, 60.5]	2863	2315	548	19.14%	-0.0325
7	(60.5, 63.5]	1363	1079	284	20.84%	-0.0287
8	(63.5, 67.5]	1673	1257	416	24.87%	-0.0667
9	(67.5, 72.5]	1708	1311	397	23.24%	-0.0547
10	(72.5, inf]	2102	1479	623	29.64%	-0.1260

have_car_prob_grade — IV 0.0312，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	15468	12453	3015	19.49%	-0.1087
2	(1.5, inf]	10429	9139	1290	12.37%	0.1437

dxm_2025v2 — IV 0.0294，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 365.5]	1308	933	375	28.67%	-0.0771
2	(365.5, 379.5]	2952	2201	751	25.44%	-0.1127
3	(379.5, 386.5]	2317	1795	522	22.53%	-0.0626
4	(386.5, 394.5]	3171	2554	617	19.46%	-0.0389
5	(394.5, 400.5]	2703	2214	489	18.09%	-0.0176
6	(400.5, 412.5]	5271	4475	796	15.10%	0.0329
7	(412.5, 419.5]	2386	2078	308	12.91%	0.0426
8	(419.5, 429.5]	2276	2026	250	10.98%	0.0623
9	(429.5, 444.5]	1780	1629	151	8.48%	0.0727
10	(444.5, inf]	1822	1750	72	3.95%	0.1171

first_loan_length_grade — IV 0.0280，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	2843	2178	665	23.39%	-0.0854
2	(1.5, 4.5]	1832	1369	463	25.27%	-0.0754
3	(4.5, 5.5]	1862	1468	394	21.16%	-0.0406
4	(5.5, 6.5]	2456	1972	484	19.71%	-0.0351
5	(6.5, inf]	16904	14605	2299	13.60%	0.1290

avg_bal_6m_grade — IV 0.0279，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	12703	10084	2619	20.62%	-0.1367
2	(1.5, 3.5]	3378	2866	512	15.16%	0.0220
3	(3.5, 5.5]	3442	3024	418	12.14%	0.0694
4	(5.5, 6.5]	2141	1859	282	13.17%	0.0357
5	(6.5, 7.5]	1410	1229	181	12.84%	0.0270
6	(7.5, inf]	2821	2530	291	10.32%	0.0837

adr_stability_grade — IV 0.0279，8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.5]	7385	5728	1657	22.44%	-0.1452
2	(2.5, 4.5]	1535	1246	289	18.83%	-0.0168
3	(4.5, 5.5]	1808	1459	349	19.30%	-0.0235
4	(5.5, 6.5]	2546	2117	429	16.85%	-0.0027
5	(6.5, 7.5]	3932	3331	601	15.28%	0.0227
6	(7.5, 8.5]	3117	2717	400	12.83%	0.0540
7	(8.5, 9.5]	3243	2877	366	11.29%	0.0792
8	(9.5, inf]	2331	2117	214	9.18%	0.0843

PY083P — IV 0.0272，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 542.5]	2278	1675	603	26.47%	-0.1029
2	(542.5, 570.5]	2426	1836	590	24.32%	-0.0853
3	(570.5, 582.5]	1483	1157	326	21.98%	-0.0393
4	(582.5, 599.5]	2459	1964	495	20.13%	-0.0399
5	(599.5, 607.5]	1339	1116	223	16.65%	-0.0002
6	(607.5, 617.5]	1782	1451	331	18.57%	-0.0169
7	(617.5, 657.5]	6327	5363	964	15.24%	0.0334
8	(657.5, 699.5]	4033	3546	487	12.08%	0.0803
9	(699.5, 730.5]	1645	1474	171	10.40%	0.0517
10	(730.5, inf]	2054	1950	104	5.06%	0.1192

model_1034467 — IV 0.0266，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.07106450200080872]	2425	2284	141	5.81%	0.1326
2	(0.07106450200080872, 0.07795150205492973]	1981	1765	216	10.90%	0.0574
3	(0.07795150205492973, 0.08275549858808517]	1540	1327	213	13.83%	0.0221
4	(0.08275549858808517, 0.08759349957108498]	1521	1385	136	8.94%	0.0613
5	(0.08759349957108498, 0.09358850121498108]	1934	1668	266	13.75%	0.0278
6	(0.09358850121498108, 0.10140899941325188]	2724	2269	455	16.70%	-0.0014
7	(0.10140899941325188, 0.10679049789905548]	1515	1196	319	21.06%	-0.0345
8	(0.10679049789905548, 0.16479599475860596]	8033	6495	1538	19.15%	-0.0706
9	(0.16479599475860596, 0.20841799676418304]	2019	1518	501	24.81%	-0.0806
10	(0.20841799676418304, inf]	1248	895	353	28.29%	-0.0750

bh_CO4001score — IV 0.0251，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 34.5]	1593	1507	86	5.40%	0.0914
2	(34.5, 37.5]	1633	1489	144	8.82%	0.0645
3	(37.5, 39.5]	1747	1552	195	11.16%	0.0477
4	(39.5, 43.5]	4733	4066	667	14.09%	0.0504
5	(43.5, 45.5]	2704	2281	423	15.64%	0.0128
6	(45.5, 46.5]	1517	1255	262	17.27%	-0.0045
7	(46.5, 47.5]	1319	1116	203	15.39%	0.0085
8	(47.5, 50.5]	4026	3286	740	18.38%	-0.0289
9	(50.5, 55.5]	4679	3598	1081	23.10%	-0.1180
10	(55.5, inf]	2032	1502	530	26.08%	-0.0890

tot_pay_amt_6m_grade — IV 0.0243，8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	8982	7029	1953	21.74%	-0.1443
2	(1.5, 2.5]	3512	2921	591	16.83%	-0.0031
3	(2.5, 3.5]	2438	2073	365	14.97%	0.0190
4	(3.5, 4.5]	3044	2637	407	13.37%	0.0454
5	(4.5, 5.5]	2304	1983	321	13.93%	0.0296
6	(5.5, 6.5]	1418	1238	180	12.69%	0.0283
7	(6.5, 8.5]	2829	2508	321	11.35%	0.0699
8	(8.5, inf]	1370	1203	167	12.19%	0.0309

positive_biz_cnt_1y_grade — IV 0.0236，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	7346	5806	1540	20.96%	-0.1093
2	(1.5, 2.5]	2417	1963	454	18.78%	-0.0243
3	(2.5, 5.5]	1447	1160	287	19.83%	-0.0231
4	(5.5, 9.5]	1717	1445	272	15.84%	0.0066
5	(9.5, inf]	12970	11218	1752	13.51%	0.1170

zszs_xy_score — IV 0.0198，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 689.5]	3207	2391	816	25.44%	-0.1224
2	(689.5, 696.5]	2122	1657	465	21.91%	-0.0533
3	(696.5, 701.5]	1863	1529	334	17.93%	-0.0119
4	(701.5, 704.5]	1418	1129	289	20.38%	-0.0268
5	(704.5, 710.5]	3039	2505	534	17.57%	-0.0131
6	(710.5, 716.5]	2919	2465	454	15.55%	0.0144
7	(716.5, 730.5]	5793	4942	851	14.69%	0.0441
8	(730.5, 737.5]	1961	1771	190	9.69%	0.0680
9	(737.5, 749.5]	1911	1687	224	11.72%	0.0466
10	(749.5, inf]	1376	1276	100	7.27%	0.0670

model_1034468 — IV 0.0181，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.07161249965429306]	1631	1542	89	5.46%	0.0961
2	(0.07161249965429306, 0.07378850132226944]	1321	1214	107	8.10%	0.0600
3	(0.07378850132226944, 0.07850050181150436]	2381	2088	293	12.31%	0.0505
4	(0.07850050181150436, 0.09734249860048294]	6583	5561	1022	15.52%	0.0269
5	(0.09734249860048294, 0.10201999917626381]	1247	1002	245	19.65%	-0.0199
6	(0.10201999917626381, 0.10976199805736542]	1759	1479	280	15.92%	0.0060
7	(0.10976199805736542, 0.11911049857735634]	1676	1378	298	17.78%	-0.0101
8	(0.11911049857735634, 0.14082950353622437]	3075	2489	586	19.06%	-0.0348
9	(0.14082950353622437, 0.1907384991645813]	3629	2834	795	21.91%	-0.0842
10	(0.1907384991645813, inf]	1638	1215	423	25.82%	-0.0755

xmf_v11xj — IV 0.0139，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 397.5]	4313	3381	932	21.61%	-0.0872
2	(397.5, 409.5]	3962	3225	737	18.60%	-0.0328
3	(409.5, 414.5]	2044	1639	405	19.81%	-0.0310
4	(414.5, 421.5]	2681	2223	458	17.08%	-0.0054
5	(421.5, 425.5]	1321	1061	260	19.68%	-0.0202
6	(425.5, 438.5]	3433	2856	577	16.81%	-0.0024
7	(438.5, 445.5]	1531	1305	226	14.76%	0.0146
8	(445.5, 466.5]	3481	3049	432	12.41%	0.0666
9	(466.5, 480.5]	1538	1373	165	10.73%	0.0463
10	(480.5, inf]	1393	1306	87	6.25%	0.0752

repayment_ability_rank2 — IV 0.0130，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	2660	2376	284	10.68%	0.0750
2	(1.5, 2.5]	7041	6046	995	14.13%	0.0647
3	(2.5, 3.5]	9376	7724	1652	17.62%	-0.0299
4	(3.5, inf]	6820	5446	1374	20.15%	-0.0853

bh_a113 — IV 0.0122，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	13788	11822	1966	14.26%	0.0842
2	(0.5, 1.5]	5419	4385	1034	19.08%	-0.0637
3	(1.5, 2.5]	2010	1611	399	19.85%	-0.0381
4	(2.5, inf]	1772	1422	350	19.75%	-0.0333

bh_a104 — IV 0.0114，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	13788	11822	1966	14.26%	0.0842
2	(0.5, 1.5]	2853	2269	584	20.47%	-0.0594
3	(1.5, 2.5]	2143	1749	394	18.39%	-0.0237
4	(2.5, 4.5]	1858	1484	374	20.13%	-0.0385
5	(4.5, 7.5]	1156	922	234	20.24%	-0.0261
6	(7.5, inf]	1191	994	197	16.54%	-0.0016

dev_stability_grade2 — IV 0.0106，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	3140	2733	407	12.96%	0.0525
2	(1.5, 2.5]	10656	9068	1588	14.90%	0.0571
3	(2.5, 3.5]	6566	5405	1161	17.68%	-0.0255
4	(3.5, inf]	5535	4386	1149	20.76%	-0.0868

mobile_fixed_grade — IV 0.0105，8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.5]	1704	1407	297	17.43%	-0.0067
2	(2.5, 4.5]	2559	2123	436	17.04%	-0.0049
3	(4.5, 5.5]	1716	1389	327	19.06%	-0.0204
4	(5.5, 6.5]	3008	2389	619	20.58%	-0.0529
5	(6.5, 7.5]	5851	4733	1118	19.11%	-0.0548
6	(7.5, 8.5]	4651	3899	752	16.17%	0.0087
7	(8.5, 9.5]	4407	3857	550	12.48%	0.0779
8	(9.5, inf]	2001	1795	206	10.29%	0.0624

last_6m_avg_asset_total_grade — IV 0.0097，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	12627	10233	2394	18.96%	-0.0810
2	(1.5, 2.5]	2045	1721	324	15.84%	0.0077
3	(2.5, 3.5]	5026	4220	806	16.04%	0.0119
4	(3.5, 4.5]	1694	1448	246	14.52%	0.0176
5	(4.5, 5.5]	1473	1272	201	13.65%	0.0221
6	(5.5, 6.5]	1340	1165	175	13.06%	0.0243
7	(6.5, inf]	1692	1533	159	9.40%	0.0615

bh_h171 — IV 0.0084，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 9.069999694824219]	16483	14014	2469	14.98%	0.0585
2	(9.069999694824219, 55.255001068115234]	5294	4262	1032	19.49%	-0.0719
3	(55.255001068115234, inf]	1212	964	248	20.46%	-0.0288

bh_a112 — IV 0.0077，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	16047	13645	2402	14.97%	0.0583
2	(0.5, 1.5]	4782	3861	921	19.26%	-0.0622
3	(1.5, inf]	2160	1734	426	19.72%	-0.0391

have_fang_prob_grade — IV 0.0076，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	17743	14577	3166	17.84%	-0.0501
2	(1.5, inf]	8154	7015	1139	13.97%	0.0759

bh_a111 — IV 0.0068，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	18667	15798	2869	15.37%	0.0432
2	(0.5, inf]	4322	3442	880	20.36%	-0.0790

bh_h163 — IV 0.0065，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 11.444999694824219]	17740	15040	2700	15.22%	0.0492
2	(11.444999694824219, 48.88999938964844]	3851	3079	772	20.05%	-0.0672
3	(48.88999938964844, inf]	1398	1121	277	19.81%	-0.0276

bh_a103 — IV 0.0064，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	16047	13645	2402	14.97%	0.0583
2	(0.5, 1.5]	2539	2031	508	20.01%	-0.0483
3	(1.5, 2.5]	1875	1517	358	19.09%	-0.0284
4	(2.5, 4.5]	1369	1096	273	19.94%	-0.0281
5	(4.5, inf]	1159	951	208	17.95%	-0.0110

bh_a047 — IV 0.0058，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	14653	12454	2199	15.01%	0.0544
2	(0.5, 1.5]	2526	2115	411	16.27%	0.0005
3	(1.5, 2.5]	1388	1174	214	15.42%	0.0070
4	(2.5, 5.5]	1905	1529	376	19.74%	-0.0353
5	(5.5, 11.5]	1245	977	268	21.53%	-0.0369
6	(11.5, inf]	1272	991	281	22.09%	-0.0416

bh_a056 — IV 0.0056，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	14653	12454	2199	15.01%	0.0544
2	(0.5, 1.5]	4106	3439	667	16.24%	0.0012
3	(1.5, 2.5]	1368	1085	283	20.69%	-0.0337
4	(2.5, 4.5]	1193	951	242	20.29%	-0.0272
5	(4.5, inf]	1669	1311	358	21.45%	-0.0470

bh_h001 — IV 0.0056，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	7491	6365	1126	15.03%	0.0373
2	(1.5, 2.5]	6301	5360	941	14.93%	0.0361
3	(2.5, 3.5]	4633	3849	784	16.92%	-0.0129
4	(3.5, inf]	4571	3672	899	19.67%	-0.0684

BH_A342 — IV 0.0055，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	9721	8250	1471	15.13%	0.0400
2	(0.5, 1.5]	3869	3276	593	15.33%	0.0182
3	(1.5, 2.5]	2265	1936	329	14.53%	0.0217
4	(2.5, 3.5]	1553	1303	250	16.10%	0.0018
5	(3.5, 4.5]	1221	1031	190	15.56%	0.0053
6	(4.5, 8.5]	2627	2097	530	20.18%	-0.0518
7	(8.5, inf]	1733	1347	386	22.27%	-0.0562

bh_a101 — IV 0.0053，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	20487	17296	3191	15.58%	0.0348
2	(0.5, inf]	2502	1944	558	22.30%	-0.0765

bh_a110 — IV 0.0053，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	20487	17296	3191	15.58%	0.0348
2	(0.5, inf]	2502	1944	558	22.30%	-0.0765

bh_h155 — IV 0.0052，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 15.6899995803833]	19334	16349	2985	15.44%	0.0405
2	(15.6899995803833, 48.35999870300293]	1298	1049	249	19.18%	-0.0212
3	(48.35999870300293, inf]	2357	1842	515	21.85%	-0.0675

BH_A352 — IV 0.0051，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	9721	8250	1471	15.13%	0.0400
2	(0.5, 1.5]	5911	5001	910	15.39%	0.0229
3	(1.5, 2.5]	3244	2713	531	16.37%	-0.0010
4	(2.5, 3.5]	1749	1436	313	17.90%	-0.0153
5	(3.5, inf]	2364	1840	524	22.17%	-0.0715

bh_a211 — IV 0.0051，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 23.855000495910645]	5072	4390	682	13.45%	0.0656
2	(23.855000495910645, 31.530000686645508]	1351	1127	224	16.58%	-0.0021
3	(31.530000686645508, 36.89500045776367]	1296	1113	183	14.12%	0.0163
4	(36.89500045776367, 46.59000015258789]	2186	1825	361	16.51%	-0.0025
5	(46.59000015258789, 53.27499961853027]	1914	1629	285	14.89%	0.0149
6	(53.27499961853027, 67.60499954223633]	3876	3189	687	17.72%	-0.0260
7	(67.60499954223633, 72.25]	1163	933	230	19.78%	-0.0232
8	(72.25, 85.47500228881836]	2648	2195	453	17.11%	-0.0110
9	(85.47500228881836, 10350.0]	2242	1802	440	19.63%	-0.0392
10	(10350.0, inf]	1228	1027	201	16.37%	-0.0005

bh_a102 — IV 0.0050，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	18667	15798	2869	15.37%	0.0432
2	(0.5, 1.5]	1989	1576	413	20.76%	-0.0474
3	(1.5, inf]	2333	1866	467	20.02%	-0.0452

bh_h005 — IV 0.0050，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.22500000149011612]	4903	4134	769	15.68%	0.0137
2	(0.22500000149011612, 0.5649999976158142]	1159	1010	149	12.86%	0.0233
3	(0.5649999976158142, 0.925000011920929]	2333	1985	348	14.92%	0.0173
4	(0.925000011920929, 1.2350000143051147]	1360	1134	226	16.62%	-0.0024
5	(1.2350000143051147, 1.6749999523162842]	2624	2237	387	14.75%	0.0214
6	(1.6749999523162842, 2.375]	2331	2007	324	13.90%	0.0301
7	(2.375, 3.215000033378601]	2223	1831	392	17.63%	-0.0157
8	(3.215000033378601, 4.204999923706055]	1775	1498	277	15.61%	0.0069
9	(4.204999923706055, 5.494999885559082]	1596	1295	301	18.86%	-0.0226
10	(5.494999885559082, inf]	2685	2109	576	21.45%	-0.0697

BH_A353 — IV 0.0048，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	8020	6805	1215	15.15%	0.0353
2	(0.5, 1.5]	5935	5051	884	14.89%	0.0357
3	(1.5, 2.5]	3484	2901	583	16.73%	-0.0072
4	(2.5, 3.5]	2110	1766	344	16.30%	0.0001
5	(3.5, 4.5]	1337	1078	259	19.37%	-0.0232
6	(4.5, inf]	2103	1639	464	22.06%	-0.0638

bh_h011 — IV 0.0048，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.8849999904632568]	12965	11021	1944	14.99%	0.0519
2	(1.8849999904632568, 1.9900000095367432]	1428	1147	281	19.68%	-0.0270
3	(1.9900000095367432, 2.1700000762939453]	2571	2150	421	16.38%	-0.0009
4	(2.1700000762939453, 3.140000104904175]	1607	1363	244	15.18%	0.0101
5	(3.140000104904175, 4.255000114440918]	1283	1034	249	19.41%	-0.0226
6	(4.255000114440918, 6.454999923706055]	1830	1513	317	17.32%	-0.0102
7	(6.454999923706055, inf]	1305	1012	293	22.45%	-0.0452

bh_h002 — IV 0.0047，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.3050000071525574]	13130	11091	2039	15.53%	0.0307
2	(0.3050000071525574, 0.8550000190734863]	1759	1523	236	13.42%	0.0284
3	(0.8550000190734863, 0.8849999904632568]	1179	994	185	15.69%	0.0042
4	(0.8849999904632568, 1.6850000023841858]	1727	1405	322	18.64%	-0.0222
5	(1.6850000023841858, 1.965000033378601]	1243	1063	180	14.48%	0.0131
6	(1.965000033378601, 3.125]	1805	1499	306	16.95%	-0.0064
7	(3.125, inf]	2146	1665	481	22.41%	-0.0688

BH_A343 — IV 0.0044，8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	8020	6805	1215	15.15%	0.0353
2	(0.5, 1.5]	3598	3065	533	14.81%	0.0263
3	(1.5, 2.5]	2256	1911	345	15.29%	0.0123
4	(2.5, 3.5]	1697	1424	273	16.09%	0.0021
5	(3.5, 5.5]	2353	1998	355	15.09%	0.0153
6	(5.5, 7.5]	1494	1219	275	18.41%	-0.0176
7	(7.5, 11.5]	1739	1365	374	21.51%	-0.0492
8	(11.5, inf]	1832	1453	379	20.69%	-0.0435

bh_h004 — IV 0.0044，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.24499999731779099]	6489	5475	1014	15.63%	0.0181
2	(0.24499999731779099, 0.6150000095367432]	1230	1053	177	14.39%	0.0136
3	(0.6150000095367432, 0.6650000214576721]	1176	1026	150	12.76%	0.0244
4	(0.6650000214576721, 1.1449999809265137]	1609	1343	266	16.53%	-0.0020
5	(1.1449999809265137, 1.5149999856948853]	2640	2253	387	14.66%	0.0227
6	(1.5149999856948853, 1.9049999713897705]	1287	1124	163	12.67%	0.0271
7	(1.9049999713897705, 2.3149999380111694]	1232	1019	213	17.29%	-0.0069
8	(2.3149999380111694, 3.334999918937683]	2548	2132	416	16.33%	-0.0002
9	(3.334999918937683, 6.194999933242798]	3158	2568	590	18.68%	-0.0370
10	(6.194999933242798, inf]	1620	1247	373	23.02%	-0.0596

bh_h006 — IV 0.0043，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.20499999821186066]	2513	2116	397	15.80%	0.0067
2	(0.20499999821186066, 0.5450000166893005]	2094	1807	287	13.71%	0.0297
3	(0.5450000166893005, 1.125]	2043	1712	331	16.20%	0.0012
4	(1.125, 1.7949999570846558]	3579	3087	492	13.75%	0.0452
5	(1.7949999570846558, 2.1850000619888306]	1286	1057	229	17.81%	-0.0110
6	(2.1850000619888306, 2.5649999380111694]	1260	1077	183	14.52%	0.0130
7	(2.5649999380111694, 3.0649999380111694]	1411	1164	247	17.51%	-0.0096
8	(3.0649999380111694, 4.365000009536743]	2851	2400	451	15.82%	0.0071
9	(4.365000009536743, 6.930000066757202]	3167	2589	578	18.25%	-0.0304
10	(6.930000066757202, inf]	2785	2231	554	19.89%	-0.0504

bh_h010 — IV 0.0043，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.9700000286102295]	13998	11871	2127	15.20%	0.0455
2	(0.9700000286102295, 2.1750000715255737]	1225	982	243	19.84%	-0.0247
3	(2.1750000715255737, 2.2350000143051147]	1831	1556	275	15.02%	0.0130
4	(2.2350000143051147, 2.5449999570846558]	1570	1277	293	18.66%	-0.0206
5	(2.5449999570846558, 3.3399999141693115]	1149	972	177	15.40%	0.0060
6	(3.3399999141693115, 5.484999895095825]	1962	1613	349	17.79%	-0.0157
7	(5.484999895095825, inf]	1254	969	285	22.73%	-0.0456

bh_h003 — IV 0.0042，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.2849999964237213]	9389	7905	1484	15.81%	0.0166
2	(0.2849999964237213, 0.7350000143051147]	1364	1178	186	13.64%	0.0209
3	(0.7350000143051147, 0.7849999964237213]	1260	1098	162	12.86%	0.0252
4	(0.7849999964237213, 1.1649999618530273]	1313	1091	222	16.91%	-0.0045
5	(1.1649999618530273, 1.4950000047683716]	1198	988	210	17.53%	-0.0084
6	(1.4950000047683716, 1.7949999570846558]	1589	1356	233	14.66%	0.0147
7	(1.7949999570846558, 2.6049998998641968]	2093	1801	292	13.95%	0.0268
8	(2.6049998998641968, 3.5549999475479126]	1713	1383	330	19.26%	-0.0278
9	(3.5549999475479126, 4.724999904632568]	1246	1030	216	17.34%	-0.0073
10	(4.724999904632568, inf]	1824	1410	414	22.70%	-0.0628

bh_h007 — IV 0.0041，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.19500000029802322]	1376	1187	189	13.74%	0.0203
2	(0.19500000029802322, 1.2649999856948853]	4563	3873	690	15.12%	0.0249
3	(1.2649999856948853, 1.7450000047683716]	1941	1708	233	12.00%	0.0463
4	(1.7450000047683716, 2.1450001001358032]	1498	1238	260	17.36%	-0.0088
5	(2.1450001001358032, 2.8049999475479126]	2058	1737	321	15.60%	0.0079
6	(2.8049999475479126, 3.225000023841858]	1154	942	212	18.37%	-0.0137
7	(3.225000023841858, 4.224999904632568]	2241	1863	378	16.87%	-0.0067
8	(4.224999904632568, 5.4649999141693115]	2032	1715	317	15.60%	0.0078
9	(5.4649999141693115, 13.824999809265137]	4960	4042	918	18.51%	-0.0478
10	(13.824999809265137, inf]	1166	935	231	19.81%	-0.0235

bh_a119 — IV 0.0041，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	5741	4846	895	15.59%	0.0176
2	(0.5, 1.5]	3376	2890	486	14.40%	0.0322
3	(1.5, 2.5]	2408	2047	361	14.99%	0.0168
4	(2.5, 3.5]	1914	1631	283	14.79%	0.0160
5	(3.5, 4.5]	1494	1289	205	13.72%	0.0220
6	(4.5, 5.5]	1165	973	192	16.48%	-0.0012
7	(5.5, 7.5]	1835	1513	322	17.55%	-0.0125
8	(7.5, 9.5]	1360	1127	233	17.13%	-0.0064
9	(9.5, 12.5]	1356	1064	292	21.53%	-0.0399
10	(12.5, inf]	2340	1860	480	20.51%	-0.0512

bh_a066 — IV 0.0040，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	8293	7085	1208	14.57%	0.0545
2	(0.5, 1.5]	1942	1648	294	15.14%	0.0124
3	(1.5, 2.5]	1490	1231	259	17.38%	-0.0090
4	(2.5, 4.5]	2243	1811	432	19.26%	-0.0349
5	(4.5, 6.5]	1631	1388	243	14.90%	0.0129
6	(6.5, 8.5]	1243	1030	213	17.14%	-0.0059
7	(8.5, 13.5]	1997	1634	363	18.18%	-0.0201
8	(13.5, 18.5]	1381	1122	259	18.75%	-0.0191
9	(18.5, 29.5]	1502	1253	249	16.58%	-0.0023
10	(29.5, inf]	1267	1038	229	18.07%	-0.0128

bh_a046 — IV 0.0040，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	15911	13449	2462	15.47%	0.0359
2	(0.5, 1.5]	2562	2143	419	16.35%	-0.0006
3	(1.5, 3.5]	2139	1781	358	16.74%	-0.0049
4	(3.5, inf]	2377	1867	510	21.46%	-0.0633

score_dz — IV 0.0039，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 509.0]	1203	1012	191	15.88%	0.0030
2	(509.0, 557.5]	1914	1518	396	20.69%	-0.0451
3	(557.5, 575.0]	3351	2774	577	17.22%	-0.0150
4	(575.0, 586.0]	1324	1062	262	19.79%	-0.0261
5	(586.0, 611.0]	2057	1681	376	18.28%	-0.0218
6	(611.0, 712.0]	5874	4948	926	15.76%	0.0135
7	(712.0, 743.0]	1304	1139	165	12.65%	0.0275
8	(743.0, 785.5]	2167	1857	310	14.31%	0.0234
9	(785.5, 807.5]	1233	1028	205	16.63%	-0.0023
10	(807.5, inf]	2569	2227	342	13.31%	0.0406

bh_h152 — IV 0.0039，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 15.6899995803833]	13145	11162	1983	15.09%	0.0486
2	(15.6899995803833, 48.35999870300293]	2616	2150	466	17.81%	-0.0203
3	(48.35999870300293, 67.70000076293945]	5700	4709	991	17.39%	-0.0260
4	(67.70000076293945, inf]	1528	1219	309	20.22%	-0.0333

bh_a071 — IV 0.0039，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	15908	13436	2472	15.54%	0.0331
2	(0.5, 1.5]	4762	3988	774	16.25%	0.0012
3	(1.5, inf]	2319	1816	503	21.69%	-0.0648

bh_a074 — IV 0.0038，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	9655	8238	1417	14.68%	0.0556
2	(0.5, 1.5]	5531	4579	952	17.21%	-0.0214
3	(1.5, 2.5]	3131	2610	521	16.64%	-0.0052
4	(2.5, 3.5]	1806	1469	337	18.66%	-0.0232
5	(3.5, 4.5]	1155	956	199	17.23%	-0.0062
6	(4.5, inf]	1711	1388	323	18.88%	-0.0242

bh_a065 — IV 0.0038，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	9655	8238	1417	14.68%	0.0556
2	(0.5, 1.5]	2103	1755	348	16.55%	-0.0027
3	(1.5, 2.5]	1703	1412	291	17.09%	-0.0074
4	(2.5, 3.5]	1402	1124	278	19.83%	-0.0278
5	(3.5, 4.5]	1149	980	169	14.71%	0.0107
6	(4.5, 6.5]	1667	1384	283	16.98%	-0.0062
7	(6.5, 8.5]	1174	970	204	17.38%	-0.0072
8	(8.5, 12.5]	1571	1293	278	17.70%	-0.0122
9	(12.5, 18.5]	1256	1018	238	18.95%	-0.0189
10	(18.5, inf]	1309	1066	243	18.56%	-0.0168

bh_a220 — IV 0.0037，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 25.65999984741211]	3671	3160	511	13.92%	0.0429
2	(25.65999984741211, 36.51499938964844]	1943	1636	307	15.80%	0.0053
3	(36.51499938964844, 44.05999946594238]	1697	1455	242	14.26%	0.0194
4	(44.05999946594238, 55.720001220703125]	4950	4205	745	15.05%	0.0279
5	(55.720001220703125, 61.48500061035156]	1964	1631	333	16.96%	-0.0070
6	(61.48500061035156, 65.75]	1187	972	215	18.11%	-0.0124
7	(65.75, 68.86999893188477]	1834	1536	298	16.25%	0.0006
8	(68.86999893188477, 78.51499938964844]	2225	1804	421	18.92%	-0.0308
9	(78.51499938964844, 5098.075000762939]	1197	932	265	22.14%	-0.0398
10	(5098.075000762939, inf]	2308	1899	409	17.72%	-0.0173

bh_a129 — IV 0.0037，8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	4242	3584	658	15.51%	0.0158
2	(0.5, 1.5]	5216	4450	766	14.69%	0.0376
3	(1.5, 2.5]	3624	3050	574	15.84%	0.0083
4	(2.5, 3.5]	2561	2181	380	14.84%	0.0198
5	(3.5, 4.5]	1902	1609	293	15.40%	0.0094
6	(4.5, 6.5]	2520	2058	462	18.33%	-0.0265
7	(6.5, 8.5]	1424	1119	305	21.42%	-0.0407
8	(8.5, inf]	1500	1189	311	20.73%	-0.0370

bh_h168 — IV 0.0037，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 9.069999694824219]	9954	8486	1468	14.75%	0.0540
2	(9.069999694824219, 40.209999084472656]	4945	4101	844	17.07%	-0.0167
3	(40.209999084472656, 55.255001068115234]	1957	1608	349	17.83%	-0.0162
4	(55.255001068115234, 69.97000122070312]	2357	1930	427	18.12%	-0.0224
5	(69.97000122070312, 83.79000091552734]	2144	1793	351	16.37%	-0.0007
6	(83.79000091552734, inf]	1632	1322	310	19.00%	-0.0243

BH_A356 — IV 0.0037，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	2265	1950	315	13.91%	0.0292
2	(0.5, 1.5]	3992	3416	576	14.43%	0.0359
3	(1.5, 2.5]	3440	2919	521	15.15%	0.0198
4	(2.5, 3.5]	2484	2110	374	15.06%	0.0164
5	(3.5, 4.5]	1926	1591	335	17.39%	-0.0114
6	(4.5, 5.5]	1447	1219	228	15.76%	0.0045
7	(5.5, 7.5]	2147	1769	378	17.61%	-0.0149
8	(7.5, 9.5]	1472	1184	288	19.57%	-0.0269
9	(9.5, 13.5]	1610	1315	295	18.32%	-0.0180
10	(13.5, inf]	2206	1767	439	19.90%	-0.0418

bh_a062 — IV 0.0036，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	15908	13436	2472	15.54%	0.0331
2	(0.5, 1.5]	2340	1994	346	14.79%	0.0190
3	(1.5, 3.5]	2517	2012	505	20.06%	-0.0486
4	(3.5, inf]	2224	1798	426	19.15%	-0.0334

bh_qu010 — IV 0.0036，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 21.5]	1992	1710	282	14.16%	0.0261
2	(21.5, 37.0]	2170	1833	337	15.53%	0.0107
3	(37.0, 49.5]	1729	1431	298	17.24%	-0.0088
4	(49.5, 52.0]	1135	999	136	11.98%	0.0317
5	(52.0, 64.5]	2484	2093	391	15.74%	0.0090
6	(64.5, 69.5]	1309	1083	226	17.27%	-0.0072
7	(69.5, 73.5]	1299	1125	174	13.39%	0.0242
8	(73.5, 78.5]	1487	1252	235	15.80%	0.0052
9	(78.5, 89.5]	4088	3359	729	17.83%	-0.0294
10	(89.5, inf]	3290	2661	629	19.12%	-0.0470

bh_a075 — IV 0.0035，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	8293	7085	1208	14.57%	0.0545
2	(0.5, 1.5]	5228	4393	835	15.97%	0.0077
3	(1.5, 2.5]	3058	2519	539	17.63%	-0.0202
4	(2.5, 3.5]	1996	1627	369	18.49%	-0.0234
5	(3.5, 4.5]	1404	1157	247	17.59%	-0.0102
6	(4.5, 6.5]	1553	1271	282	18.16%	-0.0161
7	(6.5, inf]	1457	1188	269	18.46%	-0.0177

BH_A355 — IV 0.0034，9 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	3413	2931	482	14.12%	0.0371
2	(0.5, 1.5]	4740	4055	685	14.45%	0.0403
3	(1.5, 2.5]	3552	2980	572	16.10%	0.0035
4	(2.5, 3.5]	2557	2125	432	16.89%	-0.0078
5	(3.5, 4.5]	1929	1614	315	16.33%	-0.0002
6	(4.5, 5.5]	1478	1225	253	17.12%	-0.0067
7	(5.5, 8.5]	2633	2135	498	18.91%	-0.0352
8	(8.5, 11.5]	1230	1006	224	18.21%	-0.0134
9	(11.5, inf]	1457	1169	288	19.77%	-0.0282

bh_a073 — IV 0.0033，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	11825	10043	1782	15.07%	0.0467
2	(0.5, 1.5]	5733	4762	971	16.94%	-0.0153
3	(1.5, 2.5]	2697	2243	454	16.83%	-0.0073
4	(2.5, 3.5]	1353	1072	281	20.77%	-0.0340
5	(3.5, inf]	1381	1120	261	18.90%	-0.0202

bh_a064 — IV 0.0033，7 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	11825	10043	1782	15.07%	0.0467
2	(0.5, 1.5]	2438	2043	395	16.20%	0.0014
3	(1.5, 2.5]	1885	1566	319	16.92%	-0.0063
4	(2.5, 3.5]	1287	1030	257	19.97%	-0.0268
5	(3.5, 5.5]	1865	1554	311	16.68%	-0.0038
6	(5.5, 10.5]	2248	1850	398	17.70%	-0.0166
7	(10.5, inf]	1441	1154	287	19.92%	-0.0292

BH_A354 — IV 0.0032，8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	5214	4423	791	15.17%	0.0262
2	(0.5, 1.5]	5524	4721	803	14.54%	0.0427
3	(1.5, 2.5]	3755	3152	603	16.06%	0.0045
4	(2.5, 3.5]	2569	2140	429	16.70%	-0.0052
5	(3.5, 4.5]	1793	1479	314	17.51%	-0.0119
6	(4.5, 5.5]	1204	991	213	17.69%	-0.0096
7	(5.5, 7.5]	1440	1141	299	20.76%	-0.0359
8	(7.5, inf]	1490	1193	297	19.93%	-0.0302

BH_A341 — IV 0.0032，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	12650	10692	1958	15.48%	0.0322
2	(0.5, 1.5]	4126	3494	632	15.32%	0.0193
3	(1.5, 2.5]	1915	1604	311	16.24%	0.0007
4	(2.5, 4.5]	2249	1822	427	18.99%	-0.0318
5	(4.5, inf]	2049	1628	421	20.55%	-0.0463

bh_a061 — IV 0.0032，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	18059	15234	2825	15.64%	0.0301
2	(0.5, 1.5]	2186	1822	364	16.65%	-0.0040
3	(1.5, inf]	2744	2184	560	20.41%	-0.0568

bh_a070 — IV 0.0032，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	18059	15234	2825	15.64%	0.0301
2	(0.5, inf]	4930	4006	924	18.74%	-0.0526

bh_a055 — IV 0.0032，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	15911	13449	2462	15.47%	0.0359
2	(0.5, 1.5]	4245	3554	691	16.28%	0.0006
3	(1.5, 2.5]	1246	986	260	20.87%	-0.0323
4	(2.5, inf]	1587	1251	336	21.17%	-0.0426

BH_A340 — IV 0.0031，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	15866	13396	2470	15.57%	0.0318
2	(0.5, 1.5]	3547	2981	566	15.96%	0.0061
3	(1.5, 2.5]	1346	1101	245	18.20%	-0.0145
4	(2.5, inf]	2230	1762	468	20.99%	-0.0547

bh_a128 — IV 0.0031，8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	5741	4846	895	15.59%	0.0176
2	(0.5, 1.5]	5573	4751	822	14.75%	0.0378
3	(1.5, 2.5]	3631	3071	560	15.42%	0.0156
4	(2.5, 3.5]	2479	2086	393	15.85%	0.0059
5	(3.5, 4.5]	1685	1398	287	17.03%	-0.0068
6	(4.5, 5.5]	1254	1017	237	18.90%	-0.0186
7	(5.5, 7.5]	1387	1105	282	20.33%	-0.0314
8	(7.5, inf]	1239	966	273	22.03%	-0.0403

BH_A345 — IV 0.0031，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	3413	2931	482	14.12%	0.0371
2	(0.5, 2.5]	4063	3460	603	14.84%	0.0283
3	(2.5, 3.5]	1510	1236	274	18.15%	-0.0156
4	(3.5, 4.5]	1348	1159	189	14.02%	0.0177
5	(4.5, 9.5]	4118	3462	656	15.93%	0.0073
6	(9.5, 12.5]	1609	1313	296	18.40%	-0.0187
7	(12.5, 18.5]	2062	1733	329	15.96%	0.0039
8	(18.5, 28.5]	1995	1625	370	18.55%	-0.0241
9	(28.5, 43.5]	1395	1102	293	21.00%	-0.0368
10	(43.5, inf]	1476	1219	257	17.41%	-0.0092

bh_h160 — IV 0.0031，6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 11.444999694824219]	10922	9284	1638	15.00%	0.0475
2	(11.444999694824219, 30.5]	1569	1317	252	16.06%	0.0022
3	(30.5, 48.88999938964844]	4022	3341	681	16.93%	-0.0118
4	(48.88999938964844, 67.82999801635742]	2542	2080	462	18.17%	-0.0246
5	(67.82999801635742, 84.41500091552734]	2599	2139	460	17.70%	-0.0187
6	(84.41500091552734, inf]	1335	1079	256	19.18%	-0.0217

bh_a120 — IV 0.0031，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	4242	3584	658	15.51%	0.0158
2	(0.5, 1.5]	3005	2564	441	14.68%	0.0250
3	(1.5, 3.5]	4046	3427	619	15.30%	0.0194
4	(3.5, 4.5]	1478	1261	217	14.68%	0.0136
5	(4.5, 6.5]	2215	1904	311	14.04%	0.0271
6	(6.5, 9.5]	2295	1917	378	16.47%	-0.0020
7	(9.5, 12.5]	1640	1324	316	19.27%	-0.0268
8	(12.5, 16.5]	1421	1133	288	20.27%	-0.0316
9	(16.5, 22.5]	1253	1015	238	18.99%	-0.0192
10	(22.5, inf]	1394	1111	283	20.30%	-0.0313

bh_a130 — IV 0.0031，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	2006	1694	312	15.55%	0.0082
2	(0.5, 1.5]	4390	3738	652	14.85%	0.0298
3	(1.5, 2.5]	3331	2866	465	13.96%	0.0392
4	(2.5, 3.5]	2559	2151	408	15.94%	0.0049
5	(3.5, 4.5]	2046	1707	339	16.57%	-0.0029
6	(4.5, 5.5]	1696	1395	301	17.75%	-0.0135
7	(5.5, 6.5]	1413	1180	233	16.49%	-0.0015
8	(6.5, 8.5]	1990	1647	343	17.24%	-0.0100
9	(8.5, 12.5]	2162	1731	431	19.94%	-0.0415
10	(12.5, inf]	1396	1131	265	18.98%	-0.0211

bh_a209 — IV 0.0031，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 20.640000343322754]	4697	4008	689	14.67%	0.0391
2	(20.640000343322754, 29.760000228881836]	1159	966	193	16.65%	-0.0020
3	(29.760000228881836, 38.13999938964844]	1463	1263	200	13.67%	0.0244
4	(38.13999938964844, 49.165000915527344]	1637	1324	313	19.12%	-0.0268
5	(49.165000915527344, 56.84000015258789]	1917	1582	335	17.48%	-0.0123
6	(56.84000015258789, 67.53499984741211]	2286	1922	364	15.92%	0.0060
7	(67.53499984741211, 75.81000137329102]	1396	1117	279	19.99%	-0.0306
8	(75.81000137329102, 92.20999908447266]	1954	1601	353	18.07%	-0.0192
9	(92.20999908447266, 10250.0]	2436	2075	361	14.82%	0.0216
10	(10250.0, inf]	2038	1688	350	17.17%	-0.0094

bh_h012 — IV 0.0030，8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.7549999952316284]	9521	7975	1546	16.24%	0.0023
2	(1.7549999952316284, 1.8199999928474426]	2987	2585	402	13.46%	0.0437
3	(1.8199999928474426, 2.125]	2471	2066	405	16.39%	-0.0011
4	(2.125, 2.634999990463257]	1208	1034	174	14.40%	0.0133
5	(2.634999990463257, 3.690000057220459]	1508	1247	261	17.31%	-0.0085
6	(3.690000057220459, 4.025000095367432]	1274	1097	177	13.89%	0.0178
7	(4.025000095367432, 6.4049999713897705]	2269	1853	416	18.33%	-0.0243
8	(6.4049999713897705, inf]	1751	1383	368	21.02%	-0.0449

BH_A351 — IV 0.0030，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	12650	10692	1958	15.48%	0.0322
2	(0.5, 1.5]	5683	4775	908	15.98%	0.0080
3	(1.5, 2.5]	2498	2071	427	17.09%	-0.0102
4	(2.5, inf]	2158	1702	456	21.13%	-0.0548

bh_a218 — IV 0.0030，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 3.8450000286102295]	3208	2729	479	14.93%	0.0250
2	(3.8450000286102295, 34.05500030517578]	2317	1927	390	16.83%	-0.0060
3	(34.05500030517578, 49.07500076293945]	1453	1220	233	16.04%	0.0031
4	(49.07500076293945, 54.69499969482422]	3366	2879	487	14.47%	0.0343
5	(54.69499969482422, 63.81999969482422]	1918	1555	363	18.93%	-0.0285
6	(63.81999969482422, 68.58499908447266]	1838	1549	289	15.72%	0.0072
7	(68.58499908447266, 77.20999908447266]	1500	1217	283	18.87%	-0.0225
8	(77.20999908447266, 91.29000091552734]	1088	861	227	20.86%	-0.0304
9	(91.29000091552734, 10150.0]	2370	2023	347	14.64%	0.0236
10	(10150.0, inf]	1925	1586	339	17.61%	-0.0139

bh_a045 — IV 0.0030，4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	17480	14739	2741	15.68%	0.0280
2	(0.5, 1.5]	2354	1969	385	16.36%	-0.0006
3	(1.5, 2.5]	1254	1049	205	16.35%	-0.0003
4	(2.5, inf]	1901	1483	418	21.99%	-0.0579

bh_a063 — IV 0.0029，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	14660	12388	2272	15.50%	0.0336
2	(0.5, 1.5]	2306	1953	353	15.31%	0.0123
3	(1.5, 2.5]	1589	1307	282	17.75%	-0.0128
4	(2.5, 4.5]	2077	1709	368	17.72%	-0.0157
5	(4.5, inf]	2357	1883	474	20.11%	-0.0467

BH_A350 — IV 0.0029，3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	15866	13396	2470	15.57%	0.0318
2	(0.5, 1.5]	4694	3913	781	16.64%	-0.0070
3	(1.5, inf]	2429	1931	498	20.50%	-0.0527

bh_h009 — IV 0.0029，5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.225000023841858]	16849	14230	2619	15.54%	0.0336
2	(2.225000023841858, 2.3549998998641968]	1229	974	255	20.75%	-0.0311
3	(2.3549998998641968, 2.440000057220459]	1361	1156	205	15.06%	0.0097
4	(2.440000057220459, 4.855000019073486]	2315	1916	399	17.24%	-0.0114
5	(4.855000019073486, inf]	1235	964	271	21.94%	-0.0395

bh_a132 — IV 0.0029，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	2038	1710	328	16.09%	0.0024
2	(1.5, 2.5]	2563	2208	355	13.85%	0.0332
3	(2.5, 4.5]	4128	3519	609	14.75%	0.0304
4	(4.5, 5.5]	1604	1376	228	14.21%	0.0189
5	(5.5, 7.5]	2568	2126	442	17.21%	-0.0120
6	(7.5, 10.5]	2857	2396	461	16.14%	0.0025
7	(10.5, 13.5]	2042	1690	352	17.24%	-0.0102
8	(13.5, 17.5]	1719	1391	328	19.08%	-0.0262
9	(17.5, 22.5]	1337	1110	227	16.98%	-0.0051
10	(22.5, inf]	2133	1714	419	19.64%	-0.0378

bh_a210 — IV 0.0029，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 24.34000015258789]	5111	4378	733	14.34%	0.0476
2	(24.34000015258789, 31.835000038146973]	1239	1031	208	16.79%	-0.0029
3	(31.835000038146973, 36.790000915527344]	1128	976	152	13.48%	0.0196
4	(36.790000915527344, 49.625]	2321	1911	410	17.66%	-0.0160
5	(49.625, 56.84000015258789]	2050	1708	342	16.68%	-0.0034
6	(56.84000015258789, 62.295000076293945]	1322	1131	191	14.45%	0.0151
7	(62.295000076293945, 68.64500045776367]	1581	1305	276	17.46%	-0.0097
8	(68.64500045776367, 74.29999923706055]	1122	892	230	20.50%	-0.0272
9	(74.29999923706055, 82.63000106811523]	1639	1334	305	18.61%	-0.0206
10	(82.63000106811523, inf]	4816	4004	812	16.86%	-0.0104

bh_a160 — IV 0.0029，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 5.5]	3277	2652	625	19.07%	-0.0425
2	(5.5, 11.5]	2581	2121	460	17.82%	-0.0178
3	(11.5, 22.5]	2987	2490	497	16.64%	-0.0012
4	(22.5, 29.5]	1308	1136	172	13.15%	0.0275
5	(29.5, 38.5]	1204	978	226	18.77%	-0.0163
6	(38.5, 95.5]	3843	3243	600	15.61%	0.0185
7	(95.5, 127.5]	1188	1029	159	13.38%	0.0235
8	(127.5, 172.5]	1218	1030	188	15.44%	0.0085
9	(172.5, 424.5]	2261	1863	398	17.60%	-0.0132
10	(424.5, inf]	1217	1050	167	13.72%	0.0214

bh_a100 — IV 0.0029，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	21113	17779	3334	15.79%	0.0247
2	(0.5, inf]	1876	1461	415	22.12%	-0.0586

bh_a109 — IV 0.0029，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	21113	17779	3334	15.79%	0.0247
2	(0.5, inf]	1876	1461	415	22.12%	-0.0586

bh_h144 — IV 0.0029，2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 50.0]	17338	14626	2712	15.64%	0.0296
2	(50.0, inf]	5651	4614	1037	18.35%	-0.0485

bh_a121 — IV 0.0029，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	2006	1694	312	15.55%	0.0082
2	(0.5, 1.5]	2223	1906	317	14.26%	0.0245
3	(1.5, 3.5]	3475	2919	556	16.00%	0.0052
4	(3.5, 6.5]	3412	2907	505	14.80%	0.0255
5	(6.5, 8.5]	1703	1417	286	16.79%	-0.0046
6	(8.5, 10.5]	1302	1125	177	13.59%	0.0204
7	(10.5, 13.5]	1588	1335	253	15.93%	0.0033
8	(13.5, 19.5]	2318	1891	427	18.42%	-0.0258
9	(19.5, 26.5]	1671	1385	286	17.12%	-0.0075
10	(26.5, inf]	3291	2661	630	19.14%	-0.0455

BH_A344 — IV 0.0028，10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	5214	4423	791	15.17%	0.0262
2	(0.5, 1.5]	2981	2532	449	15.06%	0.0189
3	(1.5, 2.5]	2219	1901	318	14.33%	0.0236
4	(2.5, 3.5]	1732	1454	278	16.05%	0.0025
5	(3.5, 5.5]	2504	2125	379	15.14%	0.0154
6	(5.5, 7.5]	1698	1403	295	17.37%	-0.0100
7	(7.5, 10.5]	1840	1544	296	16.09%	0.0022
8	(10.5, 14.5]	1538	1250	288	18.73%	-0.0208
9	(14.5, 19.5]	1154	904	250	21.66%	-0.0354
10	(19.5, inf]	2109	1704	405	19.20%	-0.0325

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 680 个；完整数据见 feature_report.json。

04 单变量分析（粗分箱）

bh_a104 — 6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	13788	11822	1966	14.26%	0.0842
2	(0.5, 1.5]	2853	2269	584	20.47%	-0.0594
3	(1.5, 2.5]	2143	1749	394	18.39%	-0.0237
4	(2.5, 4.5]	1858	1484	374	20.13%	-0.0385
5	(4.5, 7.5]	1156	922	234	20.24%	-0.0261
6	(7.5, inf]	1191	994	197	16.54%	-0.0016

bh_a113 — 4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.5]	13788	11822	1966	14.26%	0.0842
2	(0.5, 1.5]	5419	4385	1034	19.08%	-0.0637
3	(1.5, 2.5]	2010	1611	399	19.85%	-0.0381
4	(2.5, inf]	1772	1422	350	19.75%	-0.0333

ScoreCust1 — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 569.5]	1425	1005	420	29.47%	-0.0885
2	(569.5, 622.5]	2437	1773	664	27.25%	-0.1158
3	(622.5, 643.5]	1337	1065	272	20.34%	-0.0245
4	(643.5, 665.5]	1527	1162	365	23.90%	-0.0538
5	(665.5, 689.5]	1803	1438	365	20.24%	-0.0311
6	(689.5, 747.5]	5426	4414	1012	18.65%	-0.0415
7	(747.5, 784.5]	3570	3072	498	13.95%	0.0428
8	(784.5, 833.5]	3866	3412	454	11.74%	0.0836
9	(833.5, 887.5]	3096	2882	214	6.91%	0.1418
10	(887.5, inf]	1499	1432	67	4.47%	0.0937

ScoreCust2 — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 550.5]	1685	1180	505	29.97%	-0.1062
2	(550.5, 603.5]	2533	1848	685	27.04%	-0.1173
3	(603.5, 645.5]	2454	1921	533	21.72%	-0.0567
4	(645.5, 666.5]	1435	1158	277	19.30%	-0.0188
5	(666.5, 684.5]	1348	1061	287	21.29%	-0.0310
6	(684.5, 738.5]	4508	3663	845	18.74%	-0.0381
7	(738.5, 786.5]	4027	3435	592	14.70%	0.0339
8	(786.5, 839.5]	3656	3278	378	10.34%	0.1036
9	(839.5, 866.5]	1351	1256	95	7.03%	0.0668
10	(866.5, inf]	2989	2855	134	4.48%	0.1740

dxm_2025v2 — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 365.5]	1308	933	375	28.67%	-0.0771
2	(365.5, 379.5]	2952	2201	751	25.44%	-0.1127
3	(379.5, 386.5]	2317	1795	522	22.53%	-0.0626
4	(386.5, 394.5]	3171	2554	617	19.46%	-0.0389
5	(394.5, 400.5]	2703	2214	489	18.09%	-0.0176
6	(400.5, 412.5]	5271	4475	796	15.10%	0.0329
7	(412.5, 419.5]	2386	2078	308	12.91%	0.0426
8	(419.5, 429.5]	2276	2026	250	10.98%	0.0623
9	(429.5, 444.5]	1780	1629	151	8.48%	0.0727
10	(444.5, inf]	1822	1750	72	3.95%	0.1171

score92663 — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 31.45044994354248]	1476	1429	47	3.18%	0.1030
2	(31.45044994354248, 39.962650299072266]	3500	3194	306	8.74%	0.1267
3	(39.962650299072266, 47.31664848327637]	5137	4472	665	12.95%	0.0777
4	(47.31664848327637, 51.01125144958496]	2863	2360	503	17.57%	-0.0122
5	(51.01125144958496, 53.08215141296387]	1613	1382	231	14.32%	0.0186
6	(53.08215141296387, 57.89995002746582]	3824	3103	721	18.85%	-0.0362
7	(57.89995002746582, 60.136199951171875]	1670	1313	357	21.38%	-0.0387
8	(60.136199951171875, 63.64955139160156]	2213	1676	537	24.27%	-0.0785
9	(63.64955139160156, 67.49970245361328]	1638	1269	369	22.53%	-0.0471
10	(67.49970245361328, inf]	1879	1322	557	29.64%	-0.1148

model_risk_v9_stongyong_score — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 28.5]	1439	1390	49	3.41%	0.0989
2	(28.5, 38.5]	3403	3124	279	8.20%	0.1327
3	(38.5, 44.5]	3982	3531	451	11.33%	0.0931
4	(44.5, 46.5]	1646	1417	229	13.91%	0.0223
5	(46.5, 49.5]	2618	2211	407	15.55%	0.0132
6	(49.5, 51.5]	1710	1424	286	16.73%	-0.0008
7	(51.5, 54.5]	2579	2090	489	18.96%	-0.0277
8	(54.5, 59.5]	3605	2814	791	21.94%	-0.0814
9	(59.5, 64.5]	2565	1940	625	24.37%	-0.0898
10	(64.5, inf]	2273	1585	688	30.27%	-0.1406

model_risk_v9_sxiaojin_score — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 29.5]	1651	1586	65	3.94%	0.1076
2	(29.5, 36.5]	2620	2411	209	7.98%	0.1092
3	(36.5, 42.5]	4462	3954	508	11.39%	0.1005
4	(42.5, 46.5]	3835	3285	550	14.34%	0.0383
5	(46.5, 48.5]	2103	1764	339	16.12%	0.0052
6	(48.5, 50.5]	1928	1589	339	17.58%	-0.0089
7	(50.5, 53.5]	2664	2129	535	20.08%	-0.0420
8	(53.5, 58.5]	3300	2520	780	23.64%	-0.0995
9	(58.5, 62.5]	1707	1235	472	27.65%	-0.0901
10	(62.5, inf]	1550	1053	497	32.06%	-0.1149

model_1034467 — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.07106450200080872]	2425	2284	141	5.81%	0.1326
2	(0.07106450200080872, 0.07795150205492973]	1981	1765	216	10.90%	0.0574
3	(0.07795150205492973, 0.08275549858808517]	1540	1327	213	13.83%	0.0221
4	(0.08275549858808517, 0.08759349957108498]	1521	1385	136	8.94%	0.0613
5	(0.08759349957108498, 0.09358850121498108]	1934	1668	266	13.75%	0.0278
6	(0.09358850121498108, 0.10140899941325188]	2724	2269	455	16.70%	-0.0014
7	(0.10140899941325188, 0.10679049789905548]	1515	1196	319	21.06%	-0.0345
8	(0.10679049789905548, 0.16479599475860596]	8033	6495	1538	19.15%	-0.0706
9	(0.16479599475860596, 0.20841799676418304]	2019	1518	501	24.81%	-0.0806
10	(0.20841799676418304, inf]	1248	895	353	28.29%	-0.0750

model_1034468 — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.07161249965429306]	1631	1542	89	5.46%	0.0961
2	(0.07161249965429306, 0.07378850132226944]	1321	1214	107	8.10%	0.0600
3	(0.07378850132226944, 0.07850050181150436]	2381	2088	293	12.31%	0.0505
4	(0.07850050181150436, 0.09734249860048294]	6583	5561	1022	15.52%	0.0269
5	(0.09734249860048294, 0.10201999917626381]	1247	1002	245	19.65%	-0.0199
6	(0.10201999917626381, 0.10976199805736542]	1759	1479	280	15.92%	0.0060
7	(0.10976199805736542, 0.11911049857735634]	1676	1378	298	17.78%	-0.0101
8	(0.11911049857735634, 0.14082950353622437]	3075	2489	586	19.06%	-0.0348
9	(0.14082950353622437, 0.1907384991645813]	3629	2834	795	21.91%	-0.0842
10	(0.1907384991645813, inf]	1638	1215	423	25.82%	-0.0755

score_50021 — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 0.005050000036135316]	1793	1710	83	4.63%	0.1111
2	(0.005050000036135316, 0.007250000024214387]	2055	1882	173	8.42%	0.0849
3	(0.007250000024214387, 0.009150000289082527]	1992	1782	210	10.54%	0.0608
4	(0.009150000289082527, 0.012349999975413084]	3480	3029	451	12.96%	0.0582
5	(0.012349999975413084, 0.015250000171363354]	3098	2640	458	14.78%	0.0265
6	(0.015250000171363354, 0.01674999948590994]	1509	1267	242	16.04%	0.0046
7	(0.01674999948590994, 0.018450000323355198]	1542	1245	297	19.26%	-0.0203
8	(0.018450000323355198, 0.02114999946206808]	2046	1699	347	16.96%	-0.0032
9	(0.02114999946206808, 0.03645000047981739]	5749	4415	1334	23.20%	-0.1406
10	(0.03645000047981739, inf]	2170	1532	638	29.40%	-0.1285

zszs_xy_score — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 689.5]	3207	2391	816	25.44%	-0.1224
2	(689.5, 696.5]	2122	1657	465	21.91%	-0.0533
3	(696.5, 701.5]	1863	1529	334	17.93%	-0.0119
4	(701.5, 704.5]	1418	1129	289	20.38%	-0.0268
5	(704.5, 710.5]	3039	2505	534	17.57%	-0.0131
6	(710.5, 716.5]	2919	2465	454	15.55%	0.0144
7	(716.5, 730.5]	5793	4942	851	14.69%	0.0441
8	(730.5, 737.5]	1961	1771	190	9.69%	0.0680
9	(737.5, 749.5]	1911	1687	224	11.72%	0.0466
10	(749.5, inf]	1376	1276	100	7.27%	0.0670

xmf_v11xj — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 397.5]	4313	3381	932	21.61%	-0.0872
2	(397.5, 409.5]	3962	3225	737	18.60%	-0.0328
3	(409.5, 414.5]	2044	1639	405	19.81%	-0.0310
4	(414.5, 421.5]	2681	2223	458	17.08%	-0.0054
5	(421.5, 425.5]	1321	1061	260	19.68%	-0.0202
6	(425.5, 438.5]	3433	2856	577	16.81%	-0.0024
7	(438.5, 445.5]	1531	1305	226	14.76%	0.0146
8	(445.5, 466.5]	3481	3049	432	12.41%	0.0666
9	(466.5, 480.5]	1538	1373	165	10.73%	0.0463
10	(480.5, inf]	1393	1306	87	6.25%	0.0752

bh_CO4001score — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 34.5]	1593	1507	86	5.40%	0.0914
2	(34.5, 37.5]	1633	1489	144	8.82%	0.0645
3	(37.5, 39.5]	1747	1552	195	11.16%	0.0477
4	(39.5, 43.5]	4733	4066	667	14.09%	0.0504
5	(43.5, 45.5]	2704	2281	423	15.64%	0.0128
6	(45.5, 46.5]	1517	1255	262	17.27%	-0.0045
7	(46.5, 47.5]	1319	1116	203	15.39%	0.0085
8	(47.5, 50.5]	4026	3286	740	18.38%	-0.0289
9	(50.5, 55.5]	4679	3598	1081	23.10%	-0.1180
10	(55.5, inf]	2032	1502	530	26.08%	-0.0890

PY083P — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 542.5]	2278	1675	603	26.47%	-0.1029
2	(542.5, 570.5]	2426	1836	590	24.32%	-0.0853
3	(570.5, 582.5]	1483	1157	326	21.98%	-0.0393
4	(582.5, 599.5]	2459	1964	495	20.13%	-0.0399
5	(599.5, 607.5]	1339	1116	223	16.65%	-0.0002
6	(607.5, 617.5]	1782	1451	331	18.57%	-0.0169
7	(617.5, 657.5]	6327	5363	964	15.24%	0.0334
8	(657.5, 699.5]	4033	3546	487	12.08%	0.0803
9	(699.5, 730.5]	1645	1474	171	10.40%	0.0517
10	(730.5, inf]	2054	1950	104	5.06%	0.1192

risk_v8_slowirr — 10 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 17.5]	1395	1354	41	2.94%	0.0996
2	(17.5, 27.5]	2643	2435	208	7.87%	0.1115
3	(27.5, 35.5]	3035	2702	333	10.97%	0.0798
4	(35.5, 45.5]	4696	4019	677	14.42%	0.0432
5	(45.5, 54.5]	4335	3569	766	17.67%	-0.0187
6	(54.5, 60.5]	2863	2315	548	19.14%	-0.0325
7	(60.5, 63.5]	1363	1079	284	20.84%	-0.0287
8	(63.5, 67.5]	1673	1257	416	24.87%	-0.0667
9	(67.5, 72.5]	1708	1311	397	23.24%	-0.0547
10	(72.5, inf]	2102	1479	623	29.64%	-0.1260

mobile_fixed_grade — 8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.5]	1704	1407	297	17.43%	-0.0067
2	(2.5, 4.5]	2559	2123	436	17.04%	-0.0049
3	(4.5, 5.5]	1716	1389	327	19.06%	-0.0204
4	(5.5, 6.5]	3008	2389	619	20.58%	-0.0529
5	(6.5, 7.5]	5851	4733	1118	19.11%	-0.0548
6	(7.5, 8.5]	4651	3899	752	16.17%	0.0087
7	(8.5, 9.5]	4407	3857	550	12.48%	0.0779
8	(9.5, inf]	2001	1795	206	10.29%	0.0624

adr_stability_grade — 8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.5]	7385	5728	1657	22.44%	-0.1452
2	(2.5, 4.5]	1535	1246	289	18.83%	-0.0168
3	(4.5, 5.5]	1808	1459	349	19.30%	-0.0235
4	(5.5, 6.5]	2546	2117	429	16.85%	-0.0027
5	(6.5, 7.5]	3932	3331	601	15.28%	0.0227
6	(7.5, 8.5]	3117	2717	400	12.83%	0.0540
7	(8.5, 9.5]	3243	2877	366	11.29%	0.0792
8	(9.5, inf]	2331	2117	214	9.18%	0.0843

have_car_prob_grade — 2 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	15468	12453	3015	19.49%	-0.1087
2	(1.5, inf]	10429	9139	1290	12.37%	0.1437

tot_pay_amt_6m_grade — 8 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	8982	7029	1953	21.74%	-0.1443
2	(1.5, 2.5]	3512	2921	591	16.83%	-0.0031
3	(2.5, 3.5]	2438	2073	365	14.97%	0.0190
4	(3.5, 4.5]	3044	2637	407	13.37%	0.0454
5	(4.5, 5.5]	2304	1983	321	13.93%	0.0296
6	(5.5, 6.5]	1418	1238	180	12.69%	0.0283
7	(6.5, 8.5]	2829	2508	321	11.35%	0.0699
8	(8.5, inf]	1370	1203	167	12.19%	0.0309

first_loan_length_grade — 5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	2843	2178	665	23.39%	-0.0854
2	(1.5, 4.5]	1832	1369	463	25.27%	-0.0754
3	(4.5, 5.5]	1862	1468	394	21.16%	-0.0406
4	(5.5, 6.5]	2456	1972	484	19.71%	-0.0351
5	(6.5, inf]	16904	14605	2299	13.60%	0.1290

avg_bal_6m_grade — 6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	12703	10084	2619	20.62%	-0.1367
2	(1.5, 3.5]	3378	2866	512	15.16%	0.0220
3	(3.5, 5.5]	3442	3024	418	12.14%	0.0694
4	(5.5, 6.5]	2141	1859	282	13.17%	0.0357
5	(6.5, 7.5]	1410	1229	181	12.84%	0.0270
6	(7.5, inf]	2821	2530	291	10.32%	0.0837

repay_amt_6m_grade — 6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	12905	10199	2706	20.97%	-0.1490
2	(1.5, 3.5]	2901	2397	504	17.37%	-0.0099
3	(3.5, 4.5]	1784	1508	276	15.47%	0.0101
4	(4.5, 5.5]	2679	2324	355	13.25%	0.0423
5	(5.5, 6.5]	2356	2126	230	9.76%	0.0782
6	(6.5, inf]	3272	3038	234	7.15%	0.1448

positive_biz_cnt_1y_grade — 5 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	7346	5806	1540	20.96%	-0.1093
2	(1.5, 2.5]	2417	1963	454	18.78%	-0.0243
3	(2.5, 5.5]	1447	1160	287	19.83%	-0.0231
4	(5.5, 9.5]	1717	1445	272	15.84%	0.0066
5	(9.5, inf]	12970	11218	1752	13.51%	0.1170

risk_score — 6 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	6258	5830	428	6.84%	0.2504
2	(1.5, 2.5]	8780	7496	1284	14.62%	0.0595
3	(2.5, 3.5]	4851	3869	982	20.24%	-0.0696
4	(3.5, 4.5]	2864	2150	714	24.93%	-0.1049
5	(4.5, 5.5]	1550	1119	431	27.81%	-0.0839
6	(5.5, inf]	1594	1128	466	29.23%	-0.0966

cust_seg2 — 3 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 2.5]	5872	5325	547	9.32%	0.1745
2	(2.5, 3.5]	13452	11295	2157	16.03%	0.0218
3	(3.5, inf]	6573	4972	1601	24.36%	-0.1773

dev_stability_grade2 — 4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	3140	2733	407	12.96%	0.0525
2	(1.5, 2.5]	10656	9068	1588	14.90%	0.0571
3	(2.5, 3.5]	6566	5405	1161	17.68%	-0.0255
4	(3.5, inf]	5535	4386	1149	20.76%	-0.0868

repayment_ability_rank2 — 4 箱

分组号	分栏	Total	Good	Bad	Bad Rate	WOE
1	(-inf, 1.5]	2660	2376	284	10.68%	0.0750
2	(1.5, 2.5]	7041	6046	995	14.13%	0.0647
3	(2.5, 3.5]	9376	7724	1652	17.62%	-0.0299
4	(3.5, inf]	6820	5446	1374	20.15%	-0.0853

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

05 变量筛选

候选变量 680，通过分箱 680，入模 28（上限 80，IV 阈值 0.01）

变量名	是否入模	IV	缺失率<90%	IV≥阈值	缺失率	备注
risk_score	Y	0.0654	PASS	PASS	0.34%	WOE不单调
cust_seg2	Y	0.0464	PASS	PASS	0.34%
ScoreCust2	Y	0.0461	PASS	PASS	0.00%	WOE不单调
model_risk_v9_stongyong_score	Y	0.0437	PASS	PASS	0.64%	WOE不单调
score_50021	Y	0.0408	PASS	PASS	2.12%	WOE不单调
model_risk_v9_sxiaojin_score	Y	0.0407	PASS	PASS	0.64%	WOE不单调
repay_amt_6m_grade	Y	0.0405	PASS	PASS	0.34%
ScoreCust1	Y	0.0387	PASS	PASS	0.00%	WOE不单调
score92663	Y	0.0344	PASS	PASS	0.67%	WOE不单调
risk_v8_slowirr	Y	0.0329	PASS	PASS	0.67%	WOE不单调
have_car_prob_grade	Y	0.0312	PASS	PASS	0.34%
dxm_2025v2	Y	0.0294	PASS	PASS	0.00%	WOE不单调
first_loan_length_grade	Y	0.0280	PASS	PASS	0.34%
avg_bal_6m_grade	Y	0.0279	PASS	PASS	0.35%	WOE不单调
adr_stability_grade	Y	0.0279	PASS	PASS	0.34%	WOE不单调
PY083P	Y	0.0272	PASS	PASS	0.62%	WOE不单调
model_1034467	Y	0.0266	PASS	PASS	4.03%	WOE不单调
bh_CO4001score	Y	0.0251	PASS	PASS	0.01%	WOE不单调
tot_pay_amt_6m_grade	Y	0.0243	PASS	PASS	0.34%	WOE不单调
positive_biz_cnt_1y_grade	Y	0.0236	PASS	PASS	0.34%
zszs_xy_score	Y	0.0198	PASS	PASS	1.45%	WOE不单调
model_1034468	Y	0.0181	PASS	PASS	4.03%	WOE不单调
xmf_v11xj	Y	0.0139	PASS	PASS	1.11%	WOE不单调
repayment_ability_rank2	Y	0.0130	PASS	PASS	0.34%
bh_a113	Y	0.0122	PASS	PASS	11.53%	WOE不单调
bh_a104	Y	0.0114	PASS	PASS	11.53%	WOE不单调
dev_stability_grade2	Y	0.0106	PASS	PASS	0.34%	WOE不单调
mobile_fixed_grade	Y	0.0105	PASS	PASS	0.34%	WOE不单调
last_6m_avg_asset_total_grade	N	0.0097	PASS	FAIL	0.34%
bh_h171	N	0.0084	PASS	FAIL	11.53%	WOE不单调
bh_a112	N	0.0077	PASS	FAIL	11.53%	WOE不单调
have_fang_prob_grade	N	0.0076	PASS	FAIL	0.34%
bh_a111	N	0.0068	PASS	FAIL	11.53%
bh_h163	N	0.0065	PASS	FAIL	11.53%	WOE不单调
bh_a103	N	0.0064	PASS	FAIL	11.53%	WOE不单调
bh_a047	N	0.0058	PASS	FAIL	11.53%	WOE不单调
bh_a056	N	0.0056	PASS	FAIL	11.53%	WOE不单调
bh_h001	N	0.0056	PASS	FAIL	11.51%
BH_A342	N	0.0055	PASS	FAIL	11.53%	WOE不单调
bh_a101	N	0.0053	PASS	FAIL	11.53%
bh_a110	N	0.0053	PASS	FAIL	11.53%
bh_h155	N	0.0052	PASS	FAIL	11.53%
BH_A352	N	0.0051	PASS	FAIL	11.53%
bh_a211	N	0.0051	PASS	FAIL	11.58%	WOE不单调
bh_a102	N	0.0050	PASS	FAIL	11.53%	WOE不单调
bh_h005	N	0.0050	PASS	FAIL	11.53%	WOE不单调
BH_A353	N	0.0048	PASS	FAIL	11.53%	WOE不单调
bh_h011	N	0.0048	PASS	FAIL	11.53%	WOE不单调
bh_h002	N	0.0047	PASS	FAIL	11.53%	WOE不单调
BH_A343	N	0.0044	PASS	FAIL	11.53%	WOE不单调
bh_h004	N	0.0044	PASS	FAIL	11.53%	WOE不单调
bh_h006	N	0.0043	PASS	FAIL	11.53%	WOE不单调
bh_h010	N	0.0043	PASS	FAIL	11.53%	WOE不单调
bh_h003	N	0.0042	PASS	FAIL	11.53%	WOE不单调
bh_h007	N	0.0041	PASS	FAIL	11.53%	WOE不单调
bh_a119	N	0.0041	PASS	FAIL	11.53%	WOE不单调
bh_a066	N	0.0040	PASS	FAIL	11.53%	WOE不单调
bh_a046	N	0.0040	PASS	FAIL	11.53%
score_dz	N	0.0039	PASS	FAIL	11.51%	WOE不单调
bh_h152	N	0.0039	PASS	FAIL	11.53%
bh_a071	N	0.0039	PASS	FAIL	11.53%
bh_a074	N	0.0038	PASS	FAIL	11.53%	WOE不单调
bh_a065	N	0.0038	PASS	FAIL	11.53%	WOE不单调
bh_a220	N	0.0037	PASS	FAIL	11.58%	WOE不单调
bh_a129	N	0.0037	PASS	FAIL	11.53%	WOE不单调
bh_h168	N	0.0037	PASS	FAIL	11.53%	WOE不单调
BH_A356	N	0.0037	PASS	FAIL	11.53%	WOE不单调
bh_a062	N	0.0036	PASS	FAIL	11.53%	WOE不单调
bh_qu010	N	0.0036	PASS	FAIL	19.25%	WOE不单调
bh_a075	N	0.0035	PASS	FAIL	11.53%	WOE不单调
BH_A355	N	0.0034	PASS	FAIL	11.53%	WOE不单调
bh_a073	N	0.0033	PASS	FAIL	11.53%	WOE不单调
bh_a064	N	0.0033	PASS	FAIL	11.53%	WOE不单调
BH_A354	N	0.0032	PASS	FAIL	11.53%	WOE不单调
BH_A341	N	0.0032	PASS	FAIL	11.53%
bh_a061	N	0.0032	PASS	FAIL	11.53%
bh_a070	N	0.0032	PASS	FAIL	11.53%
bh_a055	N	0.0032	PASS	FAIL	11.53%
BH_A340	N	0.0031	PASS	FAIL	11.53%
bh_a128	N	0.0031	PASS	FAIL	11.53%	WOE不单调
BH_A345	N	0.0031	PASS	FAIL	11.53%	WOE不单调
bh_h160	N	0.0031	PASS	FAIL	11.53%	WOE不单调
bh_a120	N	0.0031	PASS	FAIL	11.53%	WOE不单调
bh_a130	N	0.0031	PASS	FAIL	11.53%	WOE不单调
bh_a209	N	0.0031	PASS	FAIL	19.25%	WOE不单调
bh_h012	N	0.0030	PASS	FAIL	11.53%	WOE不单调
BH_A351	N	0.0030	PASS	FAIL	11.53%
bh_a218	N	0.0030	PASS	FAIL	19.25%	WOE不单调
bh_a045	N	0.0030	PASS	FAIL	11.53%	WOE不单调
bh_a063	N	0.0029	PASS	FAIL	11.53%
BH_A350	N	0.0029	PASS	FAIL	11.53%
bh_h009	N	0.0029	PASS	FAIL	11.53%	WOE不单调
bh_a132	N	0.0029	PASS	FAIL	11.53%	WOE不单调
bh_a210	N	0.0029	PASS	FAIL	14.07%	WOE不单调
bh_a160	N	0.0029	PASS	FAIL	18.86%	WOE不单调
bh_a100	N	0.0029	PASS	FAIL	11.53%
bh_a109	N	0.0029	PASS	FAIL	11.53%
bh_h144	N	0.0029	PASS	FAIL	11.53%
bh_a121	N	0.0029	PASS	FAIL	11.53%	WOE不单调
BH_A344	N	0.0028	PASS	FAIL	11.53%	WOE不单调
bh_h161	N	0.0028	PASS	FAIL	11.53%	WOE不单调
bh_a122	N	0.0028	PASS	FAIL	11.53%	WOE不单调
bh_a179	N	0.0028	PASS	FAIL	20.25%	WOE不单调
bh_a083	N	0.0027	PASS	FAIL	11.53%	WOE不单调
bh_a081	N	0.0026	PASS	FAIL	11.53%
bh_h169	N	0.0026	PASS	FAIL	11.53%	WOE不单调
bh_a177	N	0.0026	PASS	FAIL	20.25%	WOE不单调
bh_a072	N	0.0026	PASS	FAIL	11.53%
bh_a131	N	0.0026	PASS	FAIL	11.53%	WOE不单调
bh_a118	N	0.0026	PASS	FAIL	11.53%	WOE不单调
bh_a054	N	0.0026	PASS	FAIL	11.53%
bh_a219	N	0.0025	PASS	FAIL	14.07%	WOE不单调
bh_a201	N	0.0025	PASS	FAIL	20.25%	WOE不单调
bh_a069	N	0.0025	PASS	FAIL	11.53%
BH_A346	N	0.0025	PASS	FAIL	11.53%	WOE不单调
bh_h013	N	0.0025	PASS	FAIL	11.53%	WOE不单调
bh_a019	N	0.0025	PASS	FAIL	19.15%	WOE不单调
bh_a117	N	0.0025	PASS	FAIL	11.53%	WOE不单调
bh_a178	N	0.0025	PASS	FAIL	20.25%	WOE不单调
bh_h147	N	0.0024	PASS	FAIL	11.53%
bh_a126	N	0.0024	PASS	FAIL	11.53%	WOE不单调
bh_a053	N	0.0024	PASS	FAIL	11.53%
bh_h008	N	0.0024	PASS	FAIL	11.53%	WOE不单调
bh_a127	N	0.0024	PASS	FAIL	11.53%	WOE不单调
bh_a181	N	0.0024	PASS	FAIL	20.25%	WOE不单调
BH_A286	N	0.0023	PASS	FAIL	11.53%	WOE不单调
BH_A295	N	0.0023	PASS	FAIL	11.53%	WOE不单调
BH_A285	N	0.0023	PASS	FAIL	11.53%	WOE不单调
bh_a052	N	0.0023	PASS	FAIL	11.53%
bh_a044	N	0.0022	PASS	FAIL	11.53%
bh_a082	N	0.0022	PASS	FAIL	11.53%	WOE不单调
BH_A388	N	0.0022	PASS	FAIL	11.53%
bh_a125	N	0.0022	PASS	FAIL	11.53%
bh_a159	N	0.0022	PASS	FAIL	11.53%	WOE不单调
BH_A284	N	0.0021	PASS	FAIL	11.53%	WOE不单调
bh_a123	N	0.0021	PASS	FAIL	11.53%	WOE不单调
bh_a116	N	0.0021	PASS	FAIL	11.53%
bh_a180	N	0.0021	PASS	FAIL	20.25%	WOE不单调
BH_A339	N	0.0021	PASS	FAIL	11.53%
bh_h151	N	0.0020	PASS	FAIL	11.53%
bh_h123	N	0.0020	PASS	FAIL	11.53%	WOE不单调
bh_h153	N	0.0020	PASS	FAIL	11.53%
BH_A292	N	0.0020	PASS	FAIL	11.53%
bh_h159	N	0.0020	PASS	FAIL	11.53%	WOE不单调
bh_h167	N	0.0020	PASS	FAIL	11.53%	WOE不单调
BH_A349	N	0.0019	PASS	FAIL	11.53%
bh_a043	N	0.0019	PASS	FAIL	11.53%
BH_A294	N	0.0019	PASS	FAIL	11.53%	WOE不单调
bh_a202	N	0.0019	PASS	FAIL	20.25%	WOE不单调
bh_a199	N	0.0019	PASS	FAIL	20.25%	WOE不单调
bh_a085	N	0.0019	PASS	FAIL	11.53%	WOE不单调
BH_A389	N	0.0019	PASS	FAIL	11.53%
bh_h106	N	0.0019	PASS	FAIL	11.53%	WOE不单调
bh_h107	N	0.0018	PASS	FAIL	11.53%	WOE不单调
bh_a060	N	0.0018	PASS	FAIL	11.53%
ovd_order_amt_6m_grade	N	0.0018	PASS	FAIL	0.34%	WOE不单调
bh_h122	N	0.0017	PASS	FAIL	11.53%	WOE不单调
bh_a200	N	0.0017	PASS	FAIL	20.25%	WOE不单调
BH_A282	N	0.0017	PASS	FAIL	11.53%
BH_A381	N	0.0017	PASS	FAIL	11.53%
bh_h162	N	0.0017	PASS	FAIL	11.53%	WOE不单调
BH_A392	N	0.0016	PASS	FAIL	11.53%	WOE不单调
bh_h143	N	0.0016	PASS	FAIL	11.53%
BH_A296	N	0.0016	PASS	FAIL	11.53%	WOE不单调
bh_a009	N	0.0016	PASS	FAIL	11.53%	WOE不单调
bh_h145	N	0.0015	PASS	FAIL	11.53%
BH_A390	N	0.0015	PASS	FAIL	11.53%	WOE不单调
bh_a042	N	0.0015	PASS	FAIL	11.53%
bh_a051	N	0.0015	PASS	FAIL	11.53%
BH_A391	N	0.0015	PASS	FAIL	11.53%	WOE不单调
BH_A380	N	0.0015	PASS	FAIL	11.53%
bh_a007	N	0.0015	PASS	FAIL	11.53%	WOE不单调
bh_a005	N	0.0015	PASS	FAIL	11.53%	WOE不单调
bh_a015	N	0.0014	PASS	FAIL	11.53%	WOE不单调
bh_h118	N	0.0014	PASS	FAIL	11.53%	WOE不单调
bh_h131	N	0.0014	PASS	FAIL	11.53%
bh_a059	N	0.0014	PASS	FAIL	11.53%
bh_a068	N	0.0014	PASS	FAIL	11.53%
bh_a124	N	0.0014	PASS	FAIL	11.53%
bh_a006	N	0.0014	PASS	FAIL	11.53%	WOE不单调
bh_h110	N	0.0014	PASS	FAIL	11.53%	WOE不单调
bh_h137	N	0.0013	PASS	FAIL	11.53%
bh_a016	N	0.0013	PASS	FAIL	11.53%	WOE不单调
bh_h085	N	0.0013	PASS	FAIL	11.53%
bh_h117	N	0.0013	PASS	FAIL	11.53%
bh_a198	N	0.0013	PASS	FAIL	20.25%	WOE不单调
bh_h114	N	0.0013	PASS	FAIL	11.53%
bh_h115	N	0.0013	PASS	FAIL	11.53%
bh_h139	N	0.0013	PASS	FAIL	11.53%	WOE不单调
bh_h101	N	0.0013	PASS	FAIL	11.53%
BH_A383	N	0.0013	PASS	FAIL	11.53%	WOE不单调
bh_h130	N	0.0012	PASS	FAIL	11.53%
bh_a090	N	0.0012	PASS	FAIL	11.53%	WOE不单调
BH_A287	N	0.0012	PASS	FAIL	11.53%	WOE不单调
bh_h170	N	0.0012	PASS	FAIL	11.53%	WOE不单调
bh_h136	N	0.0012	PASS	FAIL	11.53%	WOE不单调
bh_a018	N	0.0012	PASS	FAIL	11.53%	WOE不单调
bh_h091	N	0.0012	PASS	FAIL	11.53%
bh_h100	N	0.0012	PASS	FAIL	11.53%
bh_h134	N	0.0012	PASS	FAIL	11.53%	WOE不单调
bh_a080	N	0.0012	PASS	FAIL	11.53%
bh_a115	N	0.0012	PASS	FAIL	11.53%
bh_a094	N	0.0012	PASS	FAIL	11.53%	WOE不单调
BH_A297	N	0.0011	PASS	FAIL	11.53%	WOE不单调
BH_A382	N	0.0011	PASS	FAIL	11.53%	WOE不单调
bh_a089	N	0.0011	PASS	FAIL	11.53%
BH_A283	N	0.0011	PASS	FAIL	11.53%	WOE不单调
BH_A324	N	0.0011	PASS	FAIL	11.53%
bh_h133	N	0.0011	PASS	FAIL	11.53%	WOE不单调
bh_a099	N	0.0011	PASS	FAIL	11.53%
bh_a108	N	0.0011	PASS	FAIL	11.53%
bh_a084	N	0.0010	PASS	FAIL	11.53%	WOE不单调
BH_A288	N	0.0010	PASS	FAIL	11.53%	WOE不单调
bh_h116	N	0.0010	PASS	FAIL	11.53%
BH_A325	N	0.0010	PASS	FAIL	11.53%	WOE不单调
bh_a004	N	0.0010	PASS	FAIL	11.53%	WOE不单调
bh_h158	N	0.0010	PASS	FAIL	11.53%	WOE不单调
bh_h090	N	0.0010	PASS	FAIL	11.53%
bh_h132	N	0.0009	PASS	FAIL	11.53%	WOE不单调
BH_A332	N	0.0009	PASS	FAIL	11.53%	WOE不单调
bh_h084	N	0.0009	PASS	FAIL	11.53%
bh_a017	N	0.0009	PASS	FAIL	11.53%	WOE不单调
bh_h157	N	0.0009	PASS	FAIL	11.53%	WOE不单调
bh_a041	N	0.0009	PASS	FAIL	11.53%
bh_a050	N	0.0009	PASS	FAIL	11.53%
BH_A291	N	0.0009	PASS	FAIL	11.53%
bh_a008	N	0.0009	PASS	FAIL	11.53%	WOE不单调
BH_A298	N	0.0009	PASS	FAIL	11.53%	WOE不单调
BH_A384	N	0.0009	PASS	FAIL	11.53%	WOE不单调
BH_A331	N	0.0008	PASS	FAIL	11.53%
BH_A338	N	0.0008	PASS	FAIL	11.53%
BH_A348	N	0.0008	PASS	FAIL	11.53%
BH_A230	N	0.0008	PASS	FAIL	11.53%	WOE不单调
BH_A293	N	0.0008	PASS	FAIL	11.53%
BH_A387	N	0.0008	PASS	FAIL	11.53%
bh_h094	N	0.0008	PASS	FAIL	11.53%	WOE不单调
BH_A335	N	0.0008	PASS	FAIL	11.53%	WOE不单调
BH_A240	N	0.0008	PASS	FAIL	11.53%	WOE不单调
bh_a014	N	0.0008	PASS	FAIL	11.53%
ovd_order_days_6m_grade	N	0.0007	PASS	FAIL	0.34%
bh_a003	N	0.0007	PASS	FAIL	11.53%
bh_h074	N	0.0007	PASS	FAIL	11.53%	WOE不单调
BH_A229	N	0.0007	PASS	FAIL	11.53%	WOE不单调
bh_a150	N	0.0007	PASS	FAIL	11.53%	WOE不单调
bh_a012	N	0.0007	PASS	FAIL	11.53%
bh_h075	N	0.0007	PASS	FAIL	11.53%	WOE不单调
bh_h126	N	0.0007	PASS	FAIL	11.53%	WOE不单调
BH_A281	N	0.0007	PASS	FAIL	11.53%
bh_h150	N	0.0006	PASS	FAIL	11.53%
BH_A323	N	0.0006	PASS	FAIL	11.53%
BH_A378	N	0.0006	PASS	FAIL	11.53%
BH_A386	N	0.0006	PASS	FAIL	11.53%
bh_h138	N	0.0006	PASS	FAIL	11.53%	WOE不单调
BH_A379	N	0.0006	PASS	FAIL	11.53%
BH_A326	N	0.0006	PASS	FAIL	11.53%	WOE不单调
bh_a079	N	0.0006	PASS	FAIL	11.53%
bh_a088	N	0.0006	PASS	FAIL	11.53%
bh_h102	N	0.0006	PASS	FAIL	11.53%	WOE不单调
bh_h146	N	0.0006	PASS	FAIL	11.53%
BH_X006	N	0.0006	PASS	FAIL	11.51%
BH_X078	N	0.0006	PASS	FAIL	11.51%
bh_h120	N	0.0006	PASS	FAIL	11.53%
bh_h121	N	0.0006	PASS	FAIL	11.53%
BH_A327	N	0.0006	PASS	FAIL	11.53%	WOE不单调
BH_A333	N	0.0006	PASS	FAIL	11.53%
bh_a013	N	0.0006	PASS	FAIL	11.53%	WOE不单调
bh_h166	N	0.0006	PASS	FAIL	11.53%	WOE不单调
BH_A334	N	0.0005	PASS	FAIL	11.53%	WOE不单调
bh_h086	N	0.0005	PASS	FAIL	11.53%
bh_h087	N	0.0005	PASS	FAIL	11.53%
bh_h127	N	0.0005	PASS	FAIL	11.53%	WOE不单调
BH_A366	N	0.0005	PASS	FAIL	11.53%	WOE不单调
BH_A316	N	0.0005	PASS	FAIL	11.53%
bh_a141	N	0.0005	PASS	FAIL	11.53%	WOE不单调
bh_h111	N	0.0005	PASS	FAIL	11.53%	WOE不单调
BH_A269	N	0.0005	PASS	FAIL	11.53%	WOE不单调
bh_a002	N	0.0005	PASS	FAIL	11.53%
BH_A365	N	0.0005	PASS	FAIL	11.53%	WOE不单调
bh_h068	N	0.0005	PASS	FAIL	11.53%
bh_h069	N	0.0005	PASS	FAIL	11.53%
bh_h173	N	0.0005	PASS	FAIL	11.53%	WOE不单调
BH_A280	N	0.0005	PASS	FAIL	11.53%
BH_A290	N	0.0005	PASS	FAIL	11.53%
bh_a011	N	0.0005	PASS	FAIL	11.53%
BH_A307	N	0.0004	PASS	FAIL	11.53%	WOE不单调
bh_h042	N	0.0004	PASS	FAIL	11.53%
bh_h043	N	0.0004	PASS	FAIL	11.53%
BH_X018	N	0.0004	PASS	FAIL	11.51%
BH_X090	N	0.0004	PASS	FAIL	11.51%
bh_h149	N	0.0004	PASS	FAIL	11.53%
bh_h154	N	0.0004	PASS	FAIL	11.53%	WOE不单调
BH_A306	N	0.0004	PASS	FAIL	11.53%
BH_A377	N	0.0004	PASS	FAIL	11.53%
BH_A385	N	0.0004	PASS	FAIL	11.53%
BH_A268	N	0.0004	PASS	FAIL	11.53%	WOE不单调
bh_h059	N	0.0004	PASS	FAIL	11.53%
bh_a092	N	0.0004	PASS	FAIL	11.53%	WOE不单调
bh_h078	N	0.0004	PASS	FAIL	11.53%
bh_h165	N	0.0004	PASS	FAIL	11.53%	WOE不单调
BH_A322	N	0.0004	PASS	FAIL	11.53%	WOE不单调
bh_h058	N	0.0004	PASS	FAIL	11.53%
BH_A305	N	0.0004	PASS	FAIL	11.53%
BH_A315	N	0.0004	PASS	FAIL	11.53%
BH_A309	N	0.0003	PASS	FAIL	11.53%	WOE不单调
bh_a091	N	0.0003	PASS	FAIL	11.53%
BH_A321	N	0.0003	PASS	FAIL	11.53%
BH_A329	N	0.0003	PASS	FAIL	11.53%
bh_h062	N	0.0003	PASS	FAIL	11.53%	WOE不单调
bh_a093	N	0.0003	PASS	FAIL	11.53%
BH_A275	N	0.0003	PASS	FAIL	11.53%
bh_h026	N	0.0003	PASS	FAIL	11.53%
bh_h027	N	0.0003	PASS	FAIL	11.53%
bh_h095	N	0.0003	PASS	FAIL	11.53%
BH_A261	N	0.0003	PASS	FAIL	11.53%	WOE不单调
BH_A376	N	0.0003	PASS	FAIL	11.53%	WOE不单调
BH_A277	N	0.0003	PASS	FAIL	11.53%
bh_h135	N	0.0003	PASS	FAIL	11.53%
BH_A267	N	0.0003	PASS	FAIL	11.53%
BH_X005	N	0.0003	PASS	FAIL	11.51%
BH_X077	N	0.0003	PASS	FAIL	11.51%
bh_a149	N	0.0002	PASS	FAIL	11.53%	WOE不单调
BH_A239	N	0.0002	PASS	FAIL	11.53%	WOE不单调
bh_a137	N	0.0002	PASS	FAIL	11.53%	WOE不单调
BH_A319	N	0.0002	PASS	FAIL	11.53%
bh_a139	N	0.0002	PASS	FAIL	11.53%	WOE不单调
bh_h142	N	0.0002	PASS	FAIL	11.53%
bh_h079	N	0.0002	PASS	FAIL	11.53%	WOE不单调
bh_h141	N	0.0002	PASS	FAIL	11.53%	WOE不单调
BH_A265	N	0.0002	PASS	FAIL	11.53%
BH_A273	N	0.0002	PASS	FAIL	11.53%
bh_h103	N	0.0002	PASS	FAIL	11.53%
BH_A264	N	0.0002	PASS	FAIL	11.53%
BH_A272	N	0.0002	PASS	FAIL	11.53%
BH_A304	N	0.0002	PASS	FAIL	11.53%
BH_A314	N	0.0002	PASS	FAIL	11.53%
bh_h140	N	0.0002	PASS	FAIL	11.53%	WOE不单调
BH_A274	N	0.0002	PASS	FAIL	11.53%
bh_a001	N	0.0002	PASS	FAIL	11.53%
bh_a010	N	0.0002	PASS	FAIL	11.53%
BH_A308	N	0.0002	PASS	FAIL	11.53%	WOE不单调
BH_A235	N	0.0002	PASS	FAIL	11.53%
BH_A276	N	0.0002	PASS	FAIL	11.53%
BH_A317	N	0.0002	PASS	FAIL	11.53%
bh_h108	N	0.0002	PASS	FAIL	11.53%
bh_h109	N	0.0002	PASS	FAIL	11.53%
BH_A238	N	0.0002	PASS	FAIL	11.53%	WOE不单调
BH_A237	N	0.0001	PASS	FAIL	11.53%	WOE不单调
BH_A362	N	0.0001	PASS	FAIL	11.53%
BH_A372	N	0.0001	PASS	FAIL	11.53%
BH_A227	N	0.0001	PASS	FAIL	11.53%	WOE不单调
bh_h070	N	0.0001	PASS	FAIL	11.53%
bh_h071	N	0.0001	PASS	FAIL	11.53%
BH_A224	N	0.0001	PASS	FAIL	11.53%
BH_A228	N	0.0001	PASS	FAIL	11.53%	WOE不单调
BH_A234	N	0.0001	PASS	FAIL	11.53%
BH_A266	N	0.0001	PASS	FAIL	11.53%
BH_A375	N	0.0001	PASS	FAIL	11.53%	WOE不单调
BH_A225	N	0.0001	PASS	FAIL	11.53%
BH_A330	N	0.0001	PASS	FAIL	11.53%
bh_a138	N	0.0001	PASS	FAIL	11.53%	WOE不单调
BH_A361	N	0.0001	PASS	FAIL	11.53%
BH_A371	N	0.0001	PASS	FAIL	11.53%
BH_A318	N	0.0001	PASS	FAIL	11.53%	WOE不单调
BH_A251	N	0.0001	PASS	FAIL	11.53%
BH_A226	N	0.0001	PASS	FAIL	11.53%	WOE不单调
bh_h124	N	0.0001	PASS	FAIL	11.53%	WOE不单调
bh_a140	N	0.0001	PASS	FAIL	11.53%	WOE不单调
BH_A250	N	0.0001	PASS	FAIL	11.53%	WOE不单调
bh_h046	N	0.0001	PASS	FAIL	11.53%
bh_h047	N	0.0001	PASS	FAIL	11.53%
BH_A223	N	0.0001	PASS	FAIL	11.53%
BH_A233	N	0.0001	PASS	FAIL	11.53%
BH_A236	N	0.0001	PASS	FAIL	11.53%	WOE不单调
bh_a078	N	0.0001	PASS	FAIL	11.53%
bh_a087	N	0.0001	PASS	FAIL	11.53%
BH_A364	N	0.0001	PASS	FAIL	11.53%	WOE不单调
bh_a146	N	0.0000	PASS	FAIL	11.53%	WOE不单调
bh_a147	N	0.0000	PASS	FAIL	11.53%
bh_h030	N	0.0000	PASS	FAIL	11.53%
bh_h031	N	0.0000	PASS	FAIL	11.53%
BH_A373	N	0.0000	PASS	FAIL	11.53%
BH_A363	N	0.0000	PASS	FAIL	11.53%	WOE不单调
BH_A260	N	0.0000	PASS	FAIL	11.53%
BH_A374	N	0.0000	PASS	FAIL	11.53%	WOE不单调
bh_a148	N	0.0000	PASS	FAIL	11.53%	WOE不单调
BH_A248	N	0.0000	PASS	FAIL	11.53%
BH_A258	N	0.0000	PASS	FAIL	11.53%
bh_h125	N	0.0000	PASS	FAIL	11.53%
bh_h092	N	0.0000	PASS	FAIL	11.53%
bh_h093	N	0.0000	PASS	FAIL	11.53%
bh_a136	N	0.0000	PASS	FAIL	11.53%
bh_a145	N	0.0000	PASS	FAIL	11.53%
BH_A249	N	0.0000	PASS	FAIL	11.53%
BH_A259	N	0.0000	PASS	FAIL	11.53%
bh_h076	N	0.0000	PASS	FAIL	11.53%
bh_h077	N	0.0000	PASS	FAIL	11.53%
bh_h119	N	0.0000	PASS	FAIL	11.53%
bh_a135	N	0.0000	PASS	FAIL	11.53%
bh_a144	N	0.0000	PASS	FAIL	11.53%
bh_a020	N	0.0000	PASS	FAIL	11.53%
bh_a021	N	0.0000	PASS	FAIL	11.53%
bh_a022	N	0.0000	PASS	FAIL	11.53%
bh_a023	N	0.0000	PASS	FAIL	11.53%
bh_a024	N	0.0000	PASS	FAIL	11.53%
bh_a025	N	0.0000	PASS	FAIL	11.53%
bh_a026	N	0.0000	PASS	FAIL	11.53%
bh_a027	N	0.0000	PASS	FAIL	11.53%
bh_a028	N	0.0000	PASS	FAIL	11.53%
bh_a029	N	0.0000	PASS	FAIL	11.53%
bh_a030	N	0.0000	PASS	FAIL	11.53%
bh_a031	N	0.0000	PASS	FAIL	11.53%
bh_a032	N	0.0000	PASS	FAIL	11.53%
bh_a033	N	0.0000	PASS	FAIL	11.53%
bh_a034	N	0.0000	PASS	FAIL	11.53%
bh_a035	N	0.0000	PASS	FAIL	11.53%
bh_a036	N	0.0000	PASS	FAIL	11.53%
bh_a037	N	0.0000	PASS	FAIL	11.53%
bh_a039	N	0.0000	PASS	FAIL	11.53%
bh_a040	N	0.0000	PASS	FAIL	11.53%
bh_a048	N	0.0000	PASS	FAIL	11.53%
bh_a049	N	0.0000	PASS	FAIL	11.53%
bh_a058	N	0.0000	PASS	FAIL	11.53%
bh_a067	N	0.0000	PASS	FAIL	11.53%
bh_a077	N	0.0000	PASS	FAIL	11.53%
bh_a086	N	0.0000	PASS	FAIL	11.53%
bh_a096	N	0.0000	PASS	FAIL	11.53%
bh_a097	N	0.0000	PASS	FAIL	11.53%
bh_a098	N	0.0000	PASS	FAIL	11.53%
bh_a105	N	0.0000	PASS	FAIL	11.53%
bh_a106	N	0.0000	PASS	FAIL	11.53%
bh_a107	N	0.0000	PASS	FAIL	11.53%
bh_a133	N	0.0000	PASS	FAIL	11.53%
bh_a134	N	0.0000	PASS	FAIL	11.53%
bh_a142	N	0.0000	PASS	FAIL	11.53%
bh_a143	N	0.0000	PASS	FAIL	11.53%
bh_h014	N	0.0000	PASS	FAIL	11.53%
bh_h015	N	0.0000	PASS	FAIL	11.53%
bh_h016	N	0.0000	PASS	FAIL	11.53%
bh_h017	N	0.0000	PASS	FAIL	11.53%
bh_h018	N	0.0000	PASS	FAIL	11.53%
bh_h019	N	0.0000	PASS	FAIL	11.53%
bh_h020	N	0.0000	PASS	FAIL	11.53%
bh_h021	N	0.0000	PASS	FAIL	11.53%
bh_h022	N	0.0000	PASS	FAIL	11.53%
bh_h023	N	0.0000	PASS	FAIL	11.53%
bh_h024	N	0.0000	PASS	FAIL	11.53%
bh_h025	N	0.0000	PASS	FAIL	11.53%
bh_h028	N	0.0000	PASS	FAIL	11.53%
bh_h029	N	0.0000	PASS	FAIL	11.53%
bh_h032	N	0.0000	PASS	FAIL	11.53%
bh_h033	N	0.0000	PASS	FAIL	11.53%
bh_h034	N	0.0000	PASS	FAIL	11.53%
bh_h035	N	0.0000	PASS	FAIL	11.53%
bh_h036	N	0.0000	PASS	FAIL	11.53%
bh_h037	N	0.0000	PASS	FAIL	11.53%
bh_h038	N	0.0000	PASS	FAIL	11.53%
bh_h039	N	0.0000	PASS	FAIL	11.53%
bh_h040	N	0.0000	PASS	FAIL	11.53%
bh_h041	N	0.0000	PASS	FAIL	11.53%
bh_h044	N	0.0000	PASS	FAIL	11.53%
bh_h045	N	0.0000	PASS	FAIL	11.53%
bh_h048	N	0.0000	PASS	FAIL	11.53%
bh_h049	N	0.0000	PASS	FAIL	11.53%
bh_h050	N	0.0000	PASS	FAIL	11.53%
bh_h051	N	0.0000	PASS	FAIL	11.53%
bh_h052	N	0.0000	PASS	FAIL	11.53%
bh_h053	N	0.0000	PASS	FAIL	11.53%
bh_h054	N	0.0000	PASS	FAIL	11.53%
bh_h055	N	0.0000	PASS	FAIL	11.53%
bh_h056	N	0.0000	PASS	FAIL	11.53%
bh_h057	N	0.0000	PASS	FAIL	11.53%
bh_h060	N	0.0000	PASS	FAIL	11.53%
bh_h061	N	0.0000	PASS	FAIL	11.53%
bh_h063	N	0.0000	PASS	FAIL	11.53%
bh_h064	N	0.0000	PASS	FAIL	11.53%
bh_h065	N	0.0000	PASS	FAIL	11.53%
bh_h066	N	0.0000	PASS	FAIL	11.53%
bh_h067	N	0.0000	PASS	FAIL	11.53%
bh_h072	N	0.0000	PASS	FAIL	11.53%
bh_h073	N	0.0000	PASS	FAIL	11.53%
bh_h080	N	0.0000	PASS	FAIL	11.53%
bh_h081	N	0.0000	PASS	FAIL	11.53%
bh_h082	N	0.0000	PASS	FAIL	11.53%
bh_h083	N	0.0000	PASS	FAIL	11.53%
bh_h088	N	0.0000	PASS	FAIL	11.53%
bh_h089	N	0.0000	PASS	FAIL	11.53%
bh_h096	N	0.0000	PASS	FAIL	11.53%
bh_h097	N	0.0000	PASS	FAIL	11.53%
bh_h098	N	0.0000	PASS	FAIL	11.53%
bh_h099	N	0.0000	PASS	FAIL	11.53%
bh_h104	N	0.0000	PASS	FAIL	11.53%
bh_h105	N	0.0000	PASS	FAIL	11.53%
bh_h112	N	0.0000	PASS	FAIL	11.53%
bh_h113	N	0.0000	PASS	FAIL	11.53%
bh_h128	N	0.0000	PASS	FAIL	11.53%
bh_h129	N	0.0000	PASS	FAIL	11.53%
bh_h148	N	0.0000	PASS	FAIL	11.53%
bh_h156	N	0.0000	PASS	FAIL	11.53%
bh_h164	N	0.0000	PASS	FAIL	11.53%
bh_h172	N	0.0000	PASS	FAIL	11.53%
BH_A221	N	0.0000	PASS	FAIL	11.53%
BH_A222	N	0.0000	PASS	FAIL	11.53%
BH_A231	N	0.0000	PASS	FAIL	11.53%
BH_A232	N	0.0000	PASS	FAIL	11.53%
BH_A242	N	0.0000	PASS	FAIL	11.53%
BH_A243	N	0.0000	PASS	FAIL	11.53%
BH_A244	N	0.0000	PASS	FAIL	11.53%
BH_A245	N	0.0000	PASS	FAIL	11.53%
BH_A246	N	0.0000	PASS	FAIL	11.53%
BH_A247	N	0.0000	PASS	FAIL	11.53%
BH_A252	N	0.0000	PASS	FAIL	11.53%
BH_A253	N	0.0000	PASS	FAIL	11.53%
BH_A254	N	0.0000	PASS	FAIL	11.53%
BH_A255	N	0.0000	PASS	FAIL	11.53%
BH_A256	N	0.0000	PASS	FAIL	11.53%
BH_A257	N	0.0000	PASS	FAIL	11.53%
BH_A262	N	0.0000	PASS	FAIL	11.53%
BH_A263	N	0.0000	PASS	FAIL	11.53%
BH_A270	N	0.0000	PASS	FAIL	11.53%
BH_A271	N	0.0000	PASS	FAIL	11.53%
BH_A279	N	0.0000	PASS	FAIL	11.53%
BH_A289	N	0.0000	PASS	FAIL	11.53%
BH_A300	N	0.0000	PASS	FAIL	11.53%
BH_A301	N	0.0000	PASS	FAIL	11.53%
BH_A302	N	0.0000	PASS	FAIL	11.53%
BH_A303	N	0.0000	PASS	FAIL	11.53%
BH_A310	N	0.0000	PASS	FAIL	11.53%
BH_A311	N	0.0000	PASS	FAIL	11.53%
BH_A312	N	0.0000	PASS	FAIL	11.53%
BH_A313	N	0.0000	PASS	FAIL	11.53%
BH_A320	N	0.0000	PASS	FAIL	11.53%
BH_A328	N	0.0000	PASS	FAIL	11.53%
BH_A337	N	0.0000	PASS	FAIL	11.53%
BH_A347	N	0.0000	PASS	FAIL	11.53%
BH_A357	N	0.0000	PASS	FAIL	11.53%
BH_A358	N	0.0000	PASS	FAIL	11.53%
BH_A359	N	0.0000	PASS	FAIL	11.53%
BH_A360	N	0.0000	PASS	FAIL	11.53%
BH_A367	N	0.0000	PASS	FAIL	11.53%
BH_A368	N	0.0000	PASS	FAIL	11.53%
BH_A369	N	0.0000	PASS	FAIL	11.53%
BH_A370	N	0.0000	PASS	FAIL	11.53%
BH_X001	N	0.0000	PASS	FAIL	11.51%
BH_X002	N	0.0000	PASS	FAIL	11.51%
BH_X003	N	0.0000	PASS	FAIL	11.51%
BH_X004	N	0.0000	PASS	FAIL	11.51%
BH_X007	N	0.0000	PASS	FAIL	11.51%
BH_X008	N	0.0000	PASS	FAIL	11.51%
BH_X009	N	0.0000	PASS	FAIL	11.51%
BH_X010	N	0.0000	PASS	FAIL	11.51%
BH_X011	N	0.0000	PASS	FAIL	11.51%
BH_X012	N	0.0000	PASS	FAIL	11.51%
BH_X013	N	0.0000	PASS	FAIL	11.51%
BH_X014	N	0.0000	PASS	FAIL	11.51%
BH_X015	N	0.0000	PASS	FAIL	11.51%
BH_X016	N	0.0000	PASS	FAIL	11.51%
BH_X017	N	0.0000	PASS	FAIL	11.51%
BH_X019	N	0.0000	PASS	FAIL	11.51%
BH_X020	N	0.0000	PASS	FAIL	11.51%
BH_X021	N	0.0000	PASS	FAIL	11.51%
BH_X022	N	0.0000	PASS	FAIL	11.51%
BH_X023	N	0.0000	PASS	FAIL	11.51%
BH_X024	N	0.0000	PASS	FAIL	11.51%
BH_X025	N	0.0000	PASS	FAIL	11.51%
BH_X026	N	0.0000	PASS	FAIL	11.51%
BH_X027	N	0.0000	PASS	FAIL	11.51%
BH_X028	N	0.0000	PASS	FAIL	11.51%
BH_X029	N	0.0000	PASS	FAIL	11.51%
BH_X030	N	0.0000	PASS	FAIL	11.51%
BH_X031	N	0.0000	PASS	FAIL	11.51%
BH_X032	N	0.0000	PASS	FAIL	11.51%
BH_X033	N	0.0000	PASS	FAIL	11.51%
BH_X034	N	0.0000	PASS	FAIL	11.51%
BH_X035	N	0.0000	PASS	FAIL	11.51%
BH_X036	N	0.0000	PASS	FAIL	11.51%
BH_X037	N	0.0000	PASS	FAIL	11.51%
BH_X038	N	0.0000	PASS	FAIL	11.51%
BH_X039	N	0.0000	PASS	FAIL	11.51%
BH_X040	N	0.0000	PASS	FAIL	11.51%
BH_X041	N	0.0000	PASS	FAIL	11.51%
BH_X042	N	0.0000	PASS	FAIL	11.51%
BH_X043	N	0.0000	PASS	FAIL	11.51%
BH_X044	N	0.0000	PASS	FAIL	11.51%
BH_X045	N	0.0000	PASS	FAIL	11.51%
BH_X046	N	0.0000	PASS	FAIL	11.51%
BH_X047	N	0.0000	PASS	FAIL	11.51%
BH_X048	N	0.0000	PASS	FAIL	11.51%
BH_X049	N	0.0000	PASS	FAIL	11.51%
BH_X050	N	0.0000	PASS	FAIL	11.51%
BH_X051	N	0.0000	PASS	FAIL	11.51%
BH_X052	N	0.0000	PASS	FAIL	11.51%
BH_X053	N	0.0000	PASS	FAIL	11.51%
BH_X054	N	0.0000	PASS	FAIL	11.51%
BH_X055	N	0.0000	PASS	FAIL	11.51%
BH_X056	N	0.0000	PASS	FAIL	11.51%
BH_X057	N	0.0000	PASS	FAIL	11.51%
BH_X058	N	0.0000	PASS	FAIL	11.51%
BH_X059	N	0.0000	PASS	FAIL	11.51%
BH_X060	N	0.0000	PASS	FAIL	11.51%
BH_X061	N	0.0000	PASS	FAIL	11.51%
BH_X062	N	0.0000	PASS	FAIL	11.51%
BH_X063	N	0.0000	PASS	FAIL	11.51%
BH_X064	N	0.0000	PASS	FAIL	11.51%
BH_X065	N	0.0000	PASS	FAIL	11.51%
BH_X066	N	0.0000	PASS	FAIL	11.51%
BH_X067	N	0.0000	PASS	FAIL	11.51%
BH_X068	N	0.0000	PASS	FAIL	11.51%
BH_X069	N	0.0000	PASS	FAIL	11.51%
BH_X070	N	0.0000	PASS	FAIL	11.51%
BH_X071	N	0.0000	PASS	FAIL	11.51%
BH_X072	N	0.0000	PASS	FAIL	11.51%
BH_X073	N	0.0000	PASS	FAIL	11.51%
BH_X074	N	0.0000	PASS	FAIL	11.51%
BH_X075	N	0.0000	PASS	FAIL	11.51%
BH_X076	N	0.0000	PASS	FAIL	11.51%
BH_X079	N	0.0000	PASS	FAIL	11.51%
BH_X080	N	0.0000	PASS	FAIL	11.51%
BH_X081	N	0.0000	PASS	FAIL	11.51%
BH_X082	N	0.0000	PASS	FAIL	11.51%
BH_X083	N	0.0000	PASS	FAIL	11.51%
BH_X084	N	0.0000	PASS	FAIL	11.51%
BH_X085	N	0.0000	PASS	FAIL	11.51%
BH_X086	N	0.0000	PASS	FAIL	11.51%
BH_X087	N	0.0000	PASS	FAIL	11.51%
BH_X088	N	0.0000	PASS	FAIL	11.51%
BH_X089	N	0.0000	PASS	FAIL	11.51%
BH_X091	N	0.0000	PASS	FAIL	11.51%
BH_X092	N	0.0000	PASS	FAIL	11.51%
BH_X093	N	0.0000	PASS	FAIL	11.51%
BH_X094	N	0.0000	PASS	FAIL	11.51%
BH_X095	N	0.0000	PASS	FAIL	11.51%
BH_X096	N	0.0000	PASS	FAIL	11.51%
BH_X097	N	0.0000	PASS	FAIL	11.51%
BH_X098	N	0.0000	PASS	FAIL	11.51%
BH_X099	N	0.0000	PASS	FAIL	11.51%
BH_X100	N	0.0000	PASS	FAIL	11.51%
BH_X101	N	0.0000	PASS	FAIL	11.51%
BH_X102	N	0.0000	PASS	FAIL	11.51%
BH_X103	N	0.0000	PASS	FAIL	11.51%
BH_X104	N	0.0000	PASS	FAIL	11.51%
BH_X105	N	0.0000	PASS	FAIL	11.51%
BH_X106	N	0.0000	PASS	FAIL	11.51%
BH_X107	N	0.0000	PASS	FAIL	11.51%
BH_X108	N	0.0000	PASS	FAIL	11.51%
BH_X109	N	0.0000	PASS	FAIL	11.51%
BH_X110	N	0.0000	PASS	FAIL	11.51%
BH_X111	N	0.0000	PASS	FAIL	11.51%
BH_X112	N	0.0000	PASS	FAIL	11.51%
BH_X113	N	0.0000	PASS	FAIL	11.51%
BH_X114	N	0.0000	PASS	FAIL	11.51%
BH_X115	N	0.0000	PASS	FAIL	11.51%
BH_X116	N	0.0000	PASS	FAIL	11.51%
BH_X117	N	0.0000	PASS	FAIL	11.51%
BH_X118	N	0.0000	PASS	FAIL	11.51%
BH_X119	N	0.0000	PASS	FAIL	11.51%
BH_X120	N	0.0000	PASS	FAIL	11.51%
BH_X121	N	0.0000	PASS	FAIL	11.51%
BH_X122	N	0.0000	PASS	FAIL	11.51%
BH_X123	N	0.0000	PASS	FAIL	11.51%
BH_X124	N	0.0000	PASS	FAIL	11.51%
BH_X125	N	0.0000	PASS	FAIL	11.51%
BH_X126	N	0.0000	PASS	FAIL	11.51%
BH_X127	N	0.0000	PASS	FAIL	11.51%
BH_X128	N	0.0000	PASS	FAIL	11.51%
BH_X129	N	0.0000	PASS	FAIL	11.51%
BH_X130	N	0.0000	PASS	FAIL	11.51%
BH_X131	N	0.0000	PASS	FAIL	11.51%
BH_X132	N	0.0000	PASS	FAIL	11.51%
BH_X133	N	0.0000	PASS	FAIL	11.51%
BH_X134	N	0.0000	PASS	FAIL	11.51%
BH_X135	N	0.0000	PASS	FAIL	11.51%
BH_X136	N	0.0000	PASS	FAIL	11.51%
BH_X137	N	0.0000	PASS	FAIL	11.51%
BH_X138	N	0.0000	PASS	FAIL	11.51%
BH_X139	N	0.0000	PASS	FAIL	11.51%
BH_X140	N	0.0000	PASS	FAIL	11.51%
BH_X141	N	0.0000	PASS	FAIL	11.51%
BH_X142	N	0.0000	PASS	FAIL	11.51%
BH_X143	N	0.0000	PASS	FAIL	11.51%
BH_X144	N	0.0000	PASS	FAIL	11.51%

06 回归结果

Parameter	Label	Estimate	Standard Error	Wald Chi-Square	Pr > ChiSq	Standardized Estimate
Intercept	Intercept	-1.8543	0.0482	1478.36	<0.0001	—
WOE_bh_a104	bh_a104	-0.4105	2.2493	0.03	0.8552	-0.0239
WOE_bh_a113	bh_a113	0.3483	2.0484	0.03	0.8650	0.0225
WOE_ScoreCust1	ScoreCust1	-1.7912	0.4968	13.00	0.0003	-0.1442
WOE_ScoreCust2	ScoreCust2	-2.1372	0.4817	19.68	<0.0001	-0.1933
WOE_dxm_2025v2	dxm_2025v2	-2.4728	0.4040	37.47	<0.0001	-0.1645
WOE_score92663	score92663	-0.8046	0.5731	1.97	0.1603	-0.0613
WOE_model_risk_v9_stongyong_score	model_risk_v9_stongyong_score	-0.4553	0.6200	0.54	0.4628	-0.0401
WOE_model_risk_v9_sxiaojin_score	model_risk_v9_sxiaojin_score	-1.2851	0.6303	4.16	0.0415	-0.1049
WOE_model_1034467	model_1034467	-1.1444	0.6706	2.91	0.0879	-0.0771
WOE_model_1034468	model_1034468	-0.2923	0.7573	0.15	0.6995	-0.0151
WOE_score_50021	score_50021	-1.8214	0.2932	38.60	<0.0001	-0.1620
WOE_zszs_xy_score	zszs_xy_score	-1.3055	0.3925	11.06	0.0009	-0.0764
WOE_xmf_v11xj	xmf_v11xj	-0.0059	0.5501	0.00	0.9914	-0.0003
WOE_bh_CO4001score	bh_CO4001score	0.4838	0.4253	1.29	0.2553	0.0331
WOE_PY083P	PY083P	-1.0268	0.4137	6.16	0.0131	-0.0683
WOE_risk_v8_slowirr	risk_v8_slowirr	-0.6725	0.6130	1.20	0.2726	-0.0471
WOE_mobile_fixed_grade	mobile_fixed_grade	-0.0314	0.5522	0.00	0.9546	-0.0015
WOE_adr_stability_grade	adr_stability_grade	-0.1586	0.3071	0.27	0.6055	-0.0141
WOE_have_car_prob_grade	have_car_prob_grade	-0.3828	0.2150	3.17	0.0750	-0.0470
WOE_tot_pay_amt_6m_grade	tot_pay_amt_6m_grade	-0.1593	0.3207	0.25	0.6194	-0.0138
WOE_first_loan_length_grade	first_loan_length_grade	-1.0885	0.2685	16.44	<0.0001	-0.1020
WOE_avg_bal_6m_grade	avg_bal_6m_grade	1.6197	0.5152	9.88	0.0017	0.1536
WOE_repay_amt_6m_grade	repay_amt_6m_grade	-3.3579	0.4637	52.44	<0.0001	-0.3767
WOE_positive_biz_cnt_1y_grade	positive_biz_cnt_1y_grade	0.3539	0.3645	0.94	0.3315	0.0350
WOE_risk_score	risk_score	-1.5112	0.2516	36.09	<0.0001	-0.2026
WOE_cust_seg2	cust_seg2	-0.2182	0.2394	0.83	0.3620	-0.0273
WOE_dev_stability_grade2	dev_stability_grade2	-0.7653	0.4233	3.27	0.0706	-0.0452
WOE_repayment_ability_rank2	repayment_ability_rank2	-0.5797	0.4379	1.75	0.1855	-0.0363

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

Parameter	VIF
bh_a104	35.45274
bh_a113	35.68968
ScoreCust1	2.86822
ScoreCust2	3.11845
dxm_2025v2	1.47484
score92663	3.66139
model_risk_v9_stongyong_score	5.87678
model_risk_v9_sxiaojin_score	5.44652
model_1034467	3.38474
model_1034468	3.15622
score_50021	1.43133
zszs_xy_score	1.17350
xmf_v11xj	1.48302
bh_CO4001score	1.77041
PY083P	1.56585
risk_v8_slowirr	3.73970
mobile_fixed_grade	1.22528
adr_stability_grade	1.49893
have_car_prob_grade	1.20078
tot_pay_amt_6m_grade	1.62588
first_loan_length_grade	1.38693
avg_bal_6m_grade	4.79697
repay_amt_6m_grade	4.77308
positive_biz_cnt_1y_grade	2.82987
risk_score	1.79908
cust_seg2	1.82129
dev_stability_grade2	1.30788
repayment_ability_rank2	1.44346

08 最终评分卡

标准分600

标准ODD50

PDO20

变量	分栏	WOE	Coefficient	Scorecard Points
bh_a104	(-inf, 0.5]	0.0842	-0.4105	20
	(0.5, 1.5]	-0.0594	-0.4105	19
	(1.5, 2.5]	-0.0237	-0.4105	19
	(2.5, 4.5]	-0.0385	-0.4105	19
	(4.5, 7.5]	-0.0261	-0.4105	19
	(7.5, inf]	-0.0016	-0.4105	19
bh_a113	(-inf, 0.5]	0.0842	0.3483	18
	(0.5, 1.5]	-0.0637	0.3483	20
	(1.5, 2.5]	-0.0381	0.3483	20
	(2.5, inf]	-0.0333	0.3483	20
ScoreCust1	(-inf, 569.5]	-0.0885	-1.7912	15
	(569.5, 622.5]	-0.1158	-1.7912	13
	(622.5, 643.5]	-0.0245	-1.7912	18
	(643.5, 665.5]	-0.0538	-1.7912	17
	(665.5, 689.5]	-0.0311	-1.7912	18
	(689.5, 747.5]	-0.0415	-1.7912	17
	(747.5, 784.5]	0.0428	-1.7912	22
	(784.5, 833.5]	0.0836	-1.7912	24
	(833.5, 887.5]	0.1418	-1.7912	27
	(887.5, inf]	0.0937	-1.7912	24
ScoreCust2	(-inf, 550.5]	-0.1062	-2.1372	13
	(550.5, 603.5]	-0.1173	-2.1372	12
	(603.5, 645.5]	-0.0567	-2.1372	16
	(645.5, 666.5]	-0.0188	-2.1372	18
	(666.5, 684.5]	-0.0310	-2.1372	17
	(684.5, 738.5]	-0.0381	-2.1372	17
	(738.5, 786.5]	0.0339	-2.1372	21
	(786.5, 839.5]	0.1036	-2.1372	26
	(839.5, 866.5]	0.0668	-2.1372	23
	(866.5, inf]	0.1740	-2.1372	30
dxm_2025v2	(-inf, 365.5]	-0.0771	-2.4728	14
	(365.5, 379.5]	-0.1127	-2.4728	11
	(379.5, 386.5]	-0.0626	-2.4728	15
	(386.5, 394.5]	-0.0389	-2.4728	17
	(394.5, 400.5]	-0.0176	-2.4728	18
	(400.5, 412.5]	0.0329	-2.4728	22
	(412.5, 419.5]	0.0426	-2.4728	22
	(419.5, 429.5]	0.0623	-2.4728	24
	(429.5, 444.5]	0.0727	-2.4728	24
	(444.5, inf]	0.1171	-2.4728	28
score92663	(-inf, 31.45044994354248]	0.1030	-0.8046	22
	(31.45044994354248, 39.962650299072266]	0.1267	-0.8046	22
	(39.962650299072266, 47.31664848327637]	0.0777	-0.8046	21
	(47.31664848327637, 51.01125144958496]	-0.0122	-0.8046	19
	(51.01125144958496, 53.08215141296387]	0.0186	-0.8046	20
	(53.08215141296387, 57.89995002746582]	-0.0362	-0.8046	18
	(57.89995002746582, 60.136199951171875]	-0.0387	-0.8046	18
	(60.136199951171875, 63.64955139160156]	-0.0785	-0.8046	17
	(63.64955139160156, 67.49970245361328]	-0.0471	-0.8046	18
	(67.49970245361328, inf]	-0.1148	-0.8046	17
model_risk_v9_stongyong_score	(-inf, 28.5]	0.0989	-0.4553	21
	(28.5, 38.5]	0.1327	-0.4553	21
	(38.5, 44.5]	0.0931	-0.4553	21
	(44.5, 46.5]	0.0223	-0.4553	20
	(46.5, 49.5]	0.0132	-0.4553	19
	(49.5, 51.5]	-0.0008	-0.4553	19
	(51.5, 54.5]	-0.0277	-0.4553	19
	(54.5, 59.5]	-0.0814	-0.4553	18
	(59.5, 64.5]	-0.0898	-0.4553	18
	(64.5, inf]	-0.1406	-0.4553	17
model_risk_v9_sxiaojin_score	(-inf, 29.5]	0.1076	-1.2851	23
	(29.5, 36.5]	0.1092	-1.2851	23
	(36.5, 42.5]	0.1005	-1.2851	23
	(42.5, 46.5]	0.0383	-1.2851	21
	(46.5, 48.5]	0.0052	-1.2851	19
	(48.5, 50.5]	-0.0089	-1.2851	19
	(50.5, 53.5]	-0.0420	-1.2851	18
	(53.5, 58.5]	-0.0995	-1.2851	16
	(58.5, 62.5]	-0.0901	-1.2851	16
	(62.5, inf]	-0.1149	-1.2851	15
model_1034467	(-inf, 0.07106450200080872]	0.1326	-1.1444	24
	(0.07106450200080872, 0.07795150205492973]	0.0574	-1.1444	21
	(0.07795150205492973, 0.08275549858808517]	0.0221	-1.1444	20
	(0.08275549858808517, 0.08759349957108498]	0.0613	-1.1444	21
	(0.08759349957108498, 0.09358850121498108]	0.0278	-1.1444	20
	(0.09358850121498108, 0.10140899941325188]	-0.0014	-1.1444	19
	(0.10140899941325188, 0.10679049789905548]	-0.0345	-1.1444	18
	(0.10679049789905548, 0.16479599475860596]	-0.0706	-1.1444	17
	(0.16479599475860596, 0.20841799676418304]	-0.0806	-1.1444	17
	(0.20841799676418304, inf]	-0.0750	-1.1444	17
model_1034468	(-inf, 0.07161249965429306]	0.0961	-0.2923	20
	(0.07161249965429306, 0.07378850132226944]	0.0600	-0.2923	20
	(0.07378850132226944, 0.07850050181150436]	0.0505	-0.2923	20
	(0.07850050181150436, 0.09734249860048294]	0.0269	-0.2923	20
	(0.09734249860048294, 0.10201999917626381]	-0.0199	-0.2923	19
	(0.10201999917626381, 0.10976199805736542]	0.0060	-0.2923	19
	(0.10976199805736542, 0.11911049857735634]	-0.0101	-0.2923	19
	(0.11911049857735634, 0.14082950353622437]	-0.0348	-0.2923	19
	(0.14082950353622437, 0.1907384991645813]	-0.0842	-0.2923	19
	(0.1907384991645813, inf]	-0.0755	-0.2923	19
score_50021	(-inf, 0.005050000036135316]	0.1111	-1.8214	25
	(0.005050000036135316, 0.007250000024214387]	0.0849	-1.8214	24
	(0.007250000024214387, 0.009150000289082527]	0.0608	-1.8214	23
	(0.009150000289082527, 0.012349999975413084]	0.0582	-1.8214	22
	(0.012349999975413084, 0.015250000171363354]	0.0265	-1.8214	21
	(0.015250000171363354, 0.01674999948590994]	0.0046	-1.8214	20
	(0.01674999948590994, 0.018450000323355198]	-0.0203	-1.8214	18
	(0.018450000323355198, 0.02114999946206808]	-0.0032	-1.8214	19
	(0.02114999946206808, 0.03645000047981739]	-0.1406	-1.8214	12
	(0.03645000047981739, inf]	-0.1285	-1.8214	13
zszs_xy_score	(-inf, 689.5]	-0.1224	-1.3055	15
	(689.5, 696.5]	-0.0533	-1.3055	17
	(696.5, 701.5]	-0.0119	-1.3055	19
	(701.5, 704.5]	-0.0268	-1.3055	18
	(704.5, 710.5]	-0.0131	-1.3055	19
	(710.5, 716.5]	0.0144	-1.3055	20
	(716.5, 730.5]	0.0441	-1.3055	21
	(730.5, 737.5]	0.0680	-1.3055	22
	(737.5, 749.5]	0.0466	-1.3055	21
	(749.5, inf]	0.0670	-1.3055	22
xmf_v11xj	(-inf, 397.5]	-0.0872	-0.0059	19
	(397.5, 409.5]	-0.0328	-0.0059	19
	(409.5, 414.5]	-0.0310	-0.0059	19
	(414.5, 421.5]	-0.0054	-0.0059	19
	(421.5, 425.5]	-0.0202	-0.0059	19
	(425.5, 438.5]	-0.0024	-0.0059	19
	(438.5, 445.5]	0.0146	-0.0059	19
	(445.5, 466.5]	0.0666	-0.0059	19
	(466.5, 480.5]	0.0463	-0.0059	19
	(480.5, inf]	0.0752	-0.0059	19
bh_CO4001score	(-inf, 34.5]	0.0914	0.4838	18
	(34.5, 37.5]	0.0645	0.4838	18
	(37.5, 39.5]	0.0477	0.4838	19
	(39.5, 43.5]	0.0504	0.4838	19
	(43.5, 45.5]	0.0128	0.4838	19
	(45.5, 46.5]	-0.0045	0.4838	19
	(46.5, 47.5]	0.0085	0.4838	19
	(47.5, 50.5]	-0.0289	0.4838	20
	(50.5, 55.5]	-0.1180	0.4838	21
	(55.5, inf]	-0.0890	0.4838	21
PY083P	(-inf, 542.5]	-0.1029	-1.0268	16
	(542.5, 570.5]	-0.0853	-1.0268	17
	(570.5, 582.5]	-0.0393	-1.0268	18
	(582.5, 599.5]	-0.0399	-1.0268	18
	(599.5, 607.5]	-0.0002	-1.0268	19
	(607.5, 617.5]	-0.0169	-1.0268	19
	(617.5, 657.5]	0.0334	-1.0268	20
	(657.5, 699.5]	0.0803	-1.0268	22
	(699.5, 730.5]	0.0517	-1.0268	21
	(730.5, inf]	0.1192	-1.0268	23
risk_v8_slowirr	(-inf, 17.5]	0.0996	-0.6725	21
	(17.5, 27.5]	0.1115	-0.6725	21
	(27.5, 35.5]	0.0798	-0.6725	21
	(35.5, 45.5]	0.0432	-0.6725	20
	(45.5, 54.5]	-0.0187	-0.6725	19
	(54.5, 60.5]	-0.0325	-0.6725	19
	(60.5, 63.5]	-0.0287	-0.6725	19
	(63.5, 67.5]	-0.0667	-0.6725	18
	(67.5, 72.5]	-0.0547	-0.6725	18
	(72.5, inf]	-0.1260	-0.6725	17
mobile_fixed_grade	(-inf, 2.5]	-0.0067	-0.0314	19
	(2.5, 4.5]	-0.0049	-0.0314	19
	(4.5, 5.5]	-0.0204	-0.0314	19
	(5.5, 6.5]	-0.0529	-0.0314	19
	(6.5, 7.5]	-0.0548	-0.0314	19
	(7.5, 8.5]	0.0087	-0.0314	19
	(8.5, 9.5]	0.0779	-0.0314	19
	(9.5, inf]	0.0624	-0.0314	19
adr_stability_grade	(-inf, 2.5]	-0.1452	-0.1586	19
	(2.5, 4.5]	-0.0168	-0.1586	19
	(4.5, 5.5]	-0.0235	-0.1586	19
	(5.5, 6.5]	-0.0027	-0.1586	19
	(6.5, 7.5]	0.0227	-0.1586	19
	(7.5, 8.5]	0.0540	-0.1586	20
	(8.5, 9.5]	0.0792	-0.1586	20
	(9.5, inf]	0.0843	-0.1586	20
have_car_prob_grade	(-inf, 1.5]	-0.1087	-0.3828	18
	(1.5, inf]	0.1437	-0.3828	21
tot_pay_amt_6m_grade	(-inf, 1.5]	-0.1443	-0.1593	19
	(1.5, 2.5]	-0.0031	-0.1593	19
	(2.5, 3.5]	0.0190	-0.1593	19
	(3.5, 4.5]	0.0454	-0.1593	20
	(4.5, 5.5]	0.0296	-0.1593	19
	(5.5, 6.5]	0.0283	-0.1593	19
	(6.5, 8.5]	0.0699	-0.1593	20
	(8.5, inf]	0.0309	-0.1593	19
first_loan_length_grade	(-inf, 1.5]	-0.0854	-1.0885	17
	(1.5, 4.5]	-0.0754	-1.0885	17
	(4.5, 5.5]	-0.0406	-1.0885	18
	(5.5, 6.5]	-0.0351	-1.0885	18
	(6.5, inf]	0.1290	-1.0885	23
avg_bal_6m_grade	(-inf, 1.5]	-0.1367	1.6197	26
	(1.5, 3.5]	0.0220	1.6197	18
	(3.5, 5.5]	0.0694	1.6197	16
	(5.5, 6.5]	0.0357	1.6197	18
	(6.5, 7.5]	0.0270	1.6197	18
	(7.5, inf]	0.0837	1.6197	15
repay_amt_6m_grade	(-inf, 1.5]	-0.1490	-3.3579	5
	(1.5, 3.5]	-0.0099	-3.3579	18
	(3.5, 4.5]	0.0101	-3.3579	20
	(4.5, 5.5]	0.0423	-3.3579	23
	(5.5, 6.5]	0.0782	-3.3579	27
	(6.5, inf]	0.1448	-3.3579	33
positive_biz_cnt_1y_grade	(-inf, 1.5]	-0.1093	0.3539	20
	(1.5, 2.5]	-0.0243	0.3539	20
	(2.5, 5.5]	-0.0231	0.3539	20
	(5.5, 9.5]	0.0066	0.3539	19
	(9.5, inf]	0.1170	0.3539	18
risk_score	(-inf, 1.5]	0.2504	-1.5112	30
	(1.5, 2.5]	0.0595	-1.5112	22
	(2.5, 3.5]	-0.0696	-1.5112	16
	(3.5, 4.5]	-0.1049	-1.5112	15
	(4.5, 5.5]	-0.0839	-1.5112	16
	(5.5, inf]	-0.0966	-1.5112	15
cust_seg2	(-inf, 2.5]	0.1745	-0.2182	20
	(2.5, 3.5]	0.0218	-0.2182	19
	(3.5, inf]	-0.1773	-0.2182	18
dev_stability_grade2	(-inf, 1.5]	0.0525	-0.7653	20
	(1.5, 2.5]	0.0571	-0.7653	21
	(2.5, 3.5]	-0.0255	-0.7653	19
	(3.5, inf]	-0.0868	-0.7653	17
repayment_ability_rank2	(-inf, 1.5]	0.0750	-0.5797	21
	(1.5, 2.5]	0.0647	-0.5797	20
	(2.5, 3.5]	-0.0299	-0.5797	19
	(3.5, inf]	-0.0853	-0.5797	18

09 模型表现

模型 KS & GINI（按样本）

模型	样本	KS	GINI
LR + WOE 评分卡	开发样本	0.3721	0.4964
LR + WOE 评分卡	预留验证样本	0.3312	0.4408
LR + WOE 评分卡	跨时间验证样本(OOT)	0.2596	0.3528
XGBoost	开发样本	0.6297	0.8048
XGBoost	预留验证样本	0.3105	0.4176
XGBoost	跨时间验证样本(OOT)	0.2521	0.3374

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	Good	Bad	累计Good占比	累计Bad占比	分组坏率	累计坏率	分组Odds	累计Odds
1	0.0069 ~ 0.0325	1559	10.00%	1531	28	11.79%	1.08%	1.80%	1.80%	54.68	54.68
2	0.0325 ~ 0.0530	1559	20.00%	1501	58	11.55%	3.31%	3.72%	2.76%	25.88	35.26
3	0.0530 ~ 0.0773	1560	30.00%	1458	102	11.22%	7.23%	6.54%	4.02%	14.29	23.88
4	0.0774 ~ 0.1056	1558	40.00%	1406	152	10.82%	13.08%	9.76%	5.45%	9.25	17.34
5	0.1056 ~ 0.1381	1559	50.00%	1385	174	10.66%	19.77%	11.16%	6.59%	7.96	14.17
6	0.1381 ~ 0.1756	1560	60.00%	1305	255	10.05%	29.58%	16.35%	8.22%	5.12	11.17
7	0.1757 ~ 0.2218	1559	70.00%	1261	298	9.71%	41.04%	19.11%	9.78%	4.23	9.23
8	0.2219 ~ 0.2744	1558	79.99%	1153	405	8.88%	56.62%	25.99%	11.80%	2.85	7.47
9	0.2744 ~ 0.3459	1559	89.99%	1092	467	8.41%	74.58%	29.96%	13.82%	2.34	6.24
10	0.3460 ~ 0.6392	1560	100.00%	899	661	6.92%	100.00%	42.37%	16.68%	1.36	5.00
TOTALS		15591		12991	2600			16.68%		—	5.00

预留验证样本

组号	分数区间(PD)	样本数	累计占比	Good	Bad	累计Good占比	累计Bad占比	分组坏率	累计坏率	分组Odds	累计Odds
1	0.0097 ~ 0.0356	520	10.01%	512	8	11.23%	1.25%	1.54%	1.54%	64.00	64.00
2	0.0356 ~ 0.0545	520	20.01%	498	22	10.93%	4.69%	4.23%	2.88%	22.64	33.67
3	0.0545 ~ 0.0766	519	30.00%	492	27	10.79%	8.92%	5.20%	3.66%	18.22	26.35
4	0.0767 ~ 0.0984	520	40.00%	484	36	10.62%	14.55%	6.92%	4.47%	13.44	21.35
5	0.0984 ~ 0.1235	519	49.99%	464	55	10.18%	23.16%	10.60%	5.70%	8.44	16.55
6	0.1236 ~ 0.1558	520	60.00%	465	55	10.20%	31.77%	10.58%	6.51%	8.45	14.36
7	0.1559 ~ 0.1895	520	70.00%	452	68	9.92%	42.41%	13.08%	7.45%	6.65	12.42
8	0.1896 ~ 0.2404	519	79.99%	425	94	9.32%	57.12%	18.11%	8.78%	4.52	10.39
9	0.2404 ~ 0.3081	520	89.99%	403	117	8.84%	75.43%	22.50%	10.31%	3.44	8.70
10	0.3081 ~ 0.5669	520	100.00%	363	157	7.96%	100.00%	30.19%	12.30%	2.31	7.13
TOTALS		5197		4558	639			12.30%		—	7.13

跨时间验证样本(OOT)

组号	分数区间(PD)	样本数	累计占比	Good	Bad	累计Good占比	累计Bad占比	分组坏率	累计坏率	分组Odds	累计Odds
1	0.0097 ~ 0.0432	520	10.00%	497	23	12.10%	2.11%	4.42%	4.42%	21.61	21.61
2	0.0432 ~ 0.0641	520	20.01%	459	61	11.18%	7.69%	11.73%	8.08%	7.52	11.38
3	0.0642 ~ 0.0857	520	30.01%	451	69	10.98%	14.01%	13.27%	9.81%	6.54	9.20
4	0.0857 ~ 0.1076	519	40.00%	433	86	10.55%	21.89%	16.57%	11.50%	5.03	7.70
5	0.1077 ~ 0.1317	520	50.00%	431	89	10.50%	30.04%	17.12%	12.62%	4.84	6.92
6	0.1317 ~ 0.1604	520	60.00%	410	110	9.99%	40.11%	21.15%	14.04%	3.73	6.12
7	0.1604 ~ 0.1928	519	69.99%	394	125	9.60%	51.56%	24.08%	15.48%	3.15	5.46
8	0.1929 ~ 0.2408	520	79.99%	370	150	9.01%	65.29%	28.85%	17.15%	2.47	4.83
9	0.2408 ~ 0.3004	520	90.00%	358	162	8.72%	80.13%	31.15%	18.70%	2.21	4.35
10	0.3004 ~ 0.6043	520	100.00%	303	217	7.38%	100.00%	41.73%	21.01%	1.40	3.76
TOTALS		5198		4106	1092			21.01%		—	3.76

注：分数段基于模型输出 PD 等频分 10 档，按分数升序排列。

10 KS和GINI

LR + WOE 评分卡

样本	KS	GINI
开发样本	0.3721	0.4964
预留验证样本	0.3312	0.4408
跨时间验证样本(OOT)	0.2596	0.3528

XGBoost

样本	KS	GINI
开发样本	0.6297	0.8048
预留验证样本	0.3105	0.4176
跨时间验证样本(OOT)	0.2521	0.3374

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	0.0825
XGBoost	0.0781

变量 PSI（开发样本 vs OOT，按入模变量分箱）

特征项	PSI	状态
first_loan_length_grade	0.0673	稳定
risk_score	0.0532	稳定
bh_CO4001score	0.0418	稳定
tot_pay_amt_6m_grade	0.0410	稳定
adr_stability_grade	0.0354	稳定
bh_a104	0.0233	稳定
bh_a113	0.0212	稳定
model_risk_v9_sxiaojin_score	0.0188	稳定
ScoreCust2	0.0153	稳定
ScoreCust1	0.0152	稳定
PY083P	0.0152	稳定
have_car_prob_grade	0.0151	稳定
model_1034468	0.0132	稳定
repay_amt_6m_grade	0.0116	稳定
cust_seg2	0.0115	稳定
dev_stability_grade2	0.0092	稳定
avg_bal_6m_grade	0.0090	稳定
zszs_xy_score	0.0086	稳定
risk_v8_slowirr	0.0080	稳定
positive_biz_cnt_1y_grade	0.0078	稳定
repayment_ability_rank2	0.0073	稳定
model_1034467	0.0069	稳定
score92663	0.0067	稳定
xmf_v11xj	0.0057	稳定
score_50021	0.0050	稳定
mobile_fixed_grade	0.0049	稳定
dxm_2025v2	0.0037	稳定
model_risk_v9_stongyong_score	0.0034	稳定

bh_a104 — PSI 0.0233

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 0.5]	61.35%	55.93%	-5.42%	0.0050
(0.5, 1.5]	12.51%	12.06%	-0.45%	0.0002
(1.5, 2.5]	9.00%	9.96%	0.97%	0.0010
(2.5, 4.5]	8.04%	8.66%	0.62%	0.0005
(4.5, 7.5]	4.60%	6.52%	1.93%	0.0067
(7.5, inf]	4.50%	6.86%	2.36%	0.0099

bh_a113 — PSI 0.0212

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 0.5]	61.35%	55.93%	-5.42%	0.0050
(0.5, 1.5]	23.41%	23.79%	0.38%	0.0001
(1.5, 2.5]	8.31%	10.07%	1.76%	0.0034
(2.5, inf]	6.94%	10.22%	3.28%	0.0127

ScoreCust1 — PSI 0.0152

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 569.5]	5.39%	6.60%	1.21%	0.0025
(569.5, 622.5]	9.24%	10.18%	0.93%	0.0009
(622.5, 643.5]	4.84%	5.98%	1.15%	0.0024
(643.5, 665.5]	5.86%	6.10%	0.24%	0.0001
(665.5, 689.5]	6.81%	6.77%	-0.03%	0.0000
(689.5, 747.5]	20.67%	21.57%	0.90%	0.0004
(747.5, 784.5]	13.76%	13.74%	-0.02%	0.0000
(784.5, 833.5]	14.90%	14.29%	-0.61%	0.0003
(833.5, 887.5]	12.43%	10.10%	-2.33%	0.0048
(887.5, inf]	6.11%	4.67%	-1.44%	0.0039

ScoreCust2 — PSI 0.0153

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 550.5]	6.73%	6.98%	0.26%	0.0001
(550.5, 603.5]	9.69%	10.52%	0.83%	0.0007
(603.5, 645.5]	8.93%	10.93%	1.99%	0.0040
(645.5, 666.5]	5.31%	5.96%	0.65%	0.0008
(666.5, 684.5]	4.84%	5.41%	0.56%	0.0006
(684.5, 738.5]	17.27%	17.58%	0.31%	0.0001
(738.5, 786.5]	15.69%	14.87%	-0.82%	0.0004
(786.5, 839.5]	14.19%	13.20%	-1.00%	0.0007
(839.5, 866.5]	5.11%	5.23%	0.12%	0.0000
(866.5, inf]	12.22%	9.31%	-2.91%	0.0079

dxm_2025v2 — PSI 0.0037

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 365.5]	5.08%	4.94%	-0.14%	0.0000
(365.5, 379.5]	11.78%	10.89%	-0.89%	0.0007
(379.5, 386.5]	8.86%	8.66%	-0.21%	0.0000
(386.5, 394.5]	12.10%	12.70%	0.59%	0.0003
(394.5, 400.5]	10.37%	10.37%	0.00%	0.0000
(400.5, 412.5]	20.02%	21.20%	1.18%	0.0007
(412.5, 419.5]	9.16%	9.41%	0.25%	0.0001
(419.5, 429.5]	8.62%	8.87%	0.25%	0.0001
(429.5, 444.5]	6.81%	6.87%	0.06%	0.0000
(444.5, inf]	7.19%	6.10%	-1.09%	0.0018

score92663 — PSI 0.0067

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 31.45044994354248]	5.60%	5.85%	0.25%	0.0001
(31.45044994354248, 39.962650299072266]	13.31%	13.48%	0.17%	0.0000
(39.962650299072266, 47.31664848327637]	19.52%	20.78%	1.27%	0.0008
(47.31664848327637, 51.01125144958496]	10.98%	10.97%	-0.01%	0.0000
(51.01125144958496, 53.08215141296387]	6.14%	5.97%	-0.17%	0.0001
(53.08215141296387, 57.89995002746582]	14.84%	15.38%	0.54%	0.0002
(57.89995002746582, 60.136199951171875]	6.50%	5.95%	-0.55%	0.0005
(60.136199951171875, 63.64955139160156]	8.58%	9.12%	0.54%	0.0003
(63.64955139160156, 67.49970245361328]	6.55%	6.32%	-0.23%	0.0001
(67.49970245361328, inf]	7.98%	6.18%	-1.80%	0.0046

model_risk_v9_stongyong_score — PSI 0.0034

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 28.5]	5.72%	4.94%	-0.78%	0.0011
(28.5, 38.5]	13.04%	13.04%	-0.00%	0.0000
(38.5, 44.5]	15.09%	16.30%	1.21%	0.0009
(44.5, 46.5]	6.31%	6.03%	-0.28%	0.0001
(46.5, 49.5]	10.19%	10.27%	0.09%	0.0000
(49.5, 51.5]	6.43%	6.60%	0.17%	0.0000
(51.5, 54.5]	9.99%	10.51%	0.52%	0.0003
(54.5, 59.5]	14.10%	14.18%	0.07%	0.0000
(59.5, 64.5]	10.04%	9.91%	-0.14%	0.0000
(64.5, inf]	9.09%	8.23%	-0.87%	0.0009

model_risk_v9_sxiaojin_score — PSI 0.0188

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 29.5]	6.41%	6.18%	-0.23%	0.0001
(29.5, 36.5]	10.01%	10.27%	0.26%	0.0001
(36.5, 42.5]	16.40%	18.83%	2.43%	0.0034
(42.5, 46.5]	14.37%	16.16%	1.80%	0.0021
(46.5, 48.5]	8.03%	7.88%	-0.15%	0.0000
(48.5, 50.5]	7.30%	8.23%	0.93%	0.0011
(50.5, 53.5]	10.40%	10.20%	-0.20%	0.0000
(53.5, 58.5]	13.46%	12.05%	-1.41%	0.0016
(58.5, 62.5]	6.90%	5.47%	-1.44%	0.0034
(62.5, inf]	6.73%	4.73%	-2.00%	0.0070

model_1034467 — PSI 0.0069

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 0.07106450200080872]	10.14%	8.82%	-1.32%	0.0018
(0.07106450200080872, 0.07795150205492973]	7.97%	7.75%	-0.22%	0.0001
(0.07795150205492973, 0.08275549858808517]	6.11%	5.75%	-0.36%	0.0002
(0.08275549858808517, 0.08759349957108498]	6.35%	5.57%	-0.78%	0.0010
(0.08759349957108498, 0.09358850121498108]	7.73%	7.08%	-0.66%	0.0006
(0.09358850121498108, 0.10140899941325188]	10.82%	11.08%	0.26%	0.0001
(0.10140899941325188, 0.10679049789905548]	6.13%	6.20%	0.08%	0.0000
(0.10679049789905548, 0.16479599475860596]	31.94%	33.04%	1.11%	0.0004
(0.16479599475860596, 0.20841799676418304]	7.92%	8.92%	1.00%	0.0012
(0.20841799676418304, inf]	4.90%	5.79%	0.89%	0.0015

model_1034468 — PSI 0.0132

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 0.07161249965429306]	6.81%	5.85%	-0.96%	0.0015
(0.07161249965429306, 0.07378850132226944]	5.23%	5.01%	-0.21%	0.0001
(0.07378850132226944, 0.07850050181150436]	9.90%	8.60%	-1.29%	0.0018
(0.07850050181150436, 0.09734249860048294]	26.80%	25.00%	-1.81%	0.0013
(0.09734249860048294, 0.10201999917626381]	5.06%	4.42%	-0.64%	0.0009
(0.10201999917626381, 0.10976199805736542]	6.78%	7.79%	1.01%	0.0014
(0.10976199805736542, 0.11911049857735634]	6.56%	6.88%	0.32%	0.0002
(0.11911049857735634, 0.14082950353622437]	12.42%	12.53%	0.11%	0.0000
(0.14082950353622437, 0.1907384991645813]	14.20%	15.98%	1.77%	0.0021
(0.1907384991645813, inf]	6.25%	7.95%	1.70%	0.0041

score_50021 — PSI 0.0050

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 0.005050000036135316]	7.45%	5.90%	-1.55%	0.0036
(0.005050000036135316, 0.007250000024214387]	8.00%	8.27%	0.26%	0.0001
(0.007250000024214387, 0.009150000289082527]	7.71%	7.62%	-0.09%	0.0000
(0.009150000289082527, 0.012349999975413084]	13.69%	13.70%	0.00%	0.0000
(0.012349999975413084, 0.015250000171363354]	11.93%	12.91%	0.98%	0.0008
(0.015250000171363354, 0.01674999948590994]	5.95%	5.96%	0.01%	0.0000
(0.01674999948590994, 0.018450000323355198]	6.02%	6.09%	0.08%	0.0000
(0.018450000323355198, 0.02114999946206808]	7.93%	8.44%	0.51%	0.0003
(0.02114999946206808, 0.03645000047981739]	22.54%	22.69%	0.15%	0.0000
(0.03645000047981739, inf]	8.78%	8.42%	-0.35%	0.0001

zszs_xy_score — PSI 0.0086

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 689.5]	13.23%	11.05%	-2.17%	0.0039
(689.5, 696.5]	8.43%	8.04%	-0.40%	0.0002
(696.5, 701.5]	7.37%	6.60%	-0.77%	0.0008
(701.5, 704.5]	5.53%	5.58%	0.06%	0.0000
(704.5, 710.5]	11.97%	11.75%	-0.21%	0.0000
(710.5, 716.5]	11.53%	11.40%	-0.13%	0.0000
(716.5, 730.5]	21.95%	24.65%	2.70%	0.0031
(730.5, 737.5]	7.51%	7.78%	0.27%	0.0001
(737.5, 749.5]	7.25%	7.51%	0.26%	0.0001
(749.5, inf]	5.24%	5.62%	0.38%	0.0003

xmf_v11xj — PSI 0.0057

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 397.5]	16.36%	17.99%	1.63%	0.0015
(397.5, 409.5]	15.50%	16.19%	0.68%	0.0003
(409.5, 414.5]	7.99%	7.36%	-0.63%	0.0005
(414.5, 421.5]	10.89%	9.45%	-1.44%	0.0020
(421.5, 425.5]	5.26%	5.00%	-0.27%	0.0001
(425.5, 438.5]	13.18%	13.48%	0.29%	0.0001
(438.5, 445.5]	6.08%	5.65%	-0.43%	0.0003
(445.5, 466.5]	13.30%	13.59%	0.29%	0.0001
(466.5, 480.5]	5.87%	6.25%	0.38%	0.0002
(480.5, inf]	5.56%	5.05%	-0.51%	0.0005

bh_CO4001score — PSI 0.0418

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 34.5]	5.81%	6.75%	0.94%	0.0014
(34.5, 37.5]	5.94%	7.06%	1.12%	0.0019
(37.5, 39.5]	6.19%	7.68%	1.49%	0.0032
(39.5, 43.5]	17.02%	21.07%	4.05%	0.0086
(43.5, 45.5]	9.87%	11.29%	1.42%	0.0019
(45.5, 46.5]	5.89%	5.85%	-0.04%	0.0000
(46.5, 47.5]	5.07%	4.56%	-0.51%	0.0005
(47.5, 50.5]	15.84%	14.64%	-1.19%	0.0009
(50.5, 55.5]	19.47%	15.24%	-4.23%	0.0104
(55.5, inf]	8.90%	5.85%	-3.05%	0.0128

PY083P — PSI 0.0152

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 542.5]	9.60%	7.45%	-2.15%	0.0054
(542.5, 570.5]	9.92%	8.83%	-1.09%	0.0013
(570.5, 582.5]	5.87%	5.72%	-0.16%	0.0000
(582.5, 599.5]	9.85%	8.77%	-1.08%	0.0013
(599.5, 607.5]	5.48%	4.60%	-0.88%	0.0015
(607.5, 617.5]	6.85%	7.47%	0.62%	0.0005
(617.5, 657.5]	23.67%	25.57%	1.90%	0.0015
(657.5, 699.5]	14.90%	16.74%	1.84%	0.0021
(699.5, 730.5]	6.03%	7.01%	0.98%	0.0015
(730.5, inf]	7.83%	7.84%	0.01%	0.0000

risk_v8_slowirr — PSI 0.0080

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 17.5]	5.30%	5.12%	-0.18%	0.0001
(17.5, 27.5]	10.08%	9.91%	-0.17%	0.0000
(27.5, 35.5]	11.46%	12.27%	0.80%	0.0005
(35.5, 45.5]	17.95%	18.64%	0.69%	0.0003
(45.5, 54.5]	16.67%	17.79%	1.12%	0.0007
(54.5, 60.5]	10.93%	10.93%	0.01%	0.0000
(60.5, 63.5]	5.28%	5.47%	0.19%	0.0001
(63.5, 67.5]	6.38%	6.80%	0.42%	0.0003
(67.5, 72.5]	7.05%	6.10%	-0.95%	0.0014
(72.5, inf]	8.89%	6.97%	-1.92%	0.0047

mobile_fixed_grade — PSI 0.0049

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 2.5]	6.58%	6.40%	-0.19%	0.0001
(2.5, 4.5]	9.81%	9.87%	0.06%	0.0000
(4.5, 5.5]	6.74%	6.43%	-0.30%	0.0001
(5.5, 6.5]	11.76%	11.32%	-0.44%	0.0002
(6.5, 7.5]	23.10%	21.22%	-1.89%	0.0016
(7.5, 8.5]	17.35%	19.56%	2.20%	0.0026
(8.5, 9.5]	16.93%	17.62%	0.69%	0.0003
(9.5, inf]	7.72%	7.57%	-0.14%	0.0000

adr_stability_grade — PSI 0.0354

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 2.5]	30.95%	23.96%	-6.99%	0.0179
(2.5, 4.5]	5.93%	5.97%	0.05%	0.0000
(4.5, 5.5]	6.98%	6.36%	-0.62%	0.0006
(5.5, 6.5]	9.58%	10.18%	0.61%	0.0004
(6.5, 7.5]	14.65%	16.10%	1.44%	0.0014
(7.5, 8.5]	11.09%	14.72%	3.63%	0.0103
(8.5, 9.5]	11.70%	14.13%	2.42%	0.0046
(9.5, inf]	9.12%	8.58%	-0.54%	0.0003

have_car_prob_grade — PSI 0.0151

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 1.5]	61.16%	55.09%	-6.07%	0.0063
(1.5, inf]	38.84%	44.91%	6.07%	0.0088

tot_pay_amt_6m_grade — PSI 0.0410

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 1.5]	37.23%	28.17%	-9.06%	0.0252
(1.5, 2.5]	13.52%	14.26%	0.74%	0.0004
(2.5, 3.5]	9.11%	9.89%	0.78%	0.0006
(3.5, 4.5]	11.27%	12.54%	1.28%	0.0014
(4.5, 5.5]	8.50%	10.20%	1.70%	0.0031
(5.5, 6.5]	5.22%	6.09%	0.87%	0.0013
(6.5, 8.5]	10.30%	12.17%	1.87%	0.0031
(8.5, inf]	4.85%	6.67%	1.82%	0.0058

first_loan_length_grade — PSI 0.0673

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 1.5]	13.12%	6.86%	-6.26%	0.0406
(1.5, 4.5]	7.92%	5.24%	-2.68%	0.0111
(4.5, 5.5]	7.57%	6.36%	-1.21%	0.0021
(5.5, 6.5]	9.47%	10.57%	1.09%	0.0012
(6.5, inf]	61.92%	70.98%	9.06%	0.0124

avg_bal_6m_grade — PSI 0.0090

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 1.5]	49.97%	47.98%	-1.99%	0.0008
(1.5, 3.5]	13.04%	11.71%	-1.32%	0.0014
(3.5, 5.5]	12.94%	13.13%	0.19%	0.0000
(5.5, 6.5]	8.18%	8.10%	-0.08%	0.0000
(6.5, 7.5]	5.46%	5.93%	0.48%	0.0004
(7.5, inf]	10.42%	13.15%	2.73%	0.0064

repay_amt_6m_grade — PSI 0.0116

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 1.5]	51.42%	47.01%	-4.41%	0.0039
(1.5, 3.5]	10.90%	11.09%	0.19%	0.0000
(3.5, 4.5]	6.45%	7.50%	1.05%	0.0016
(4.5, 5.5]	9.46%	11.71%	2.25%	0.0048
(5.5, 6.5]	8.77%	9.84%	1.06%	0.0012
(6.5, inf]	12.99%	12.85%	-0.14%	0.0000

positive_biz_cnt_1y_grade — PSI 0.0078

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 1.5]	29.63%	26.80%	-2.83%	0.0028
(1.5, 2.5]	9.69%	9.08%	-0.61%	0.0004
(2.5, 5.5]	5.67%	5.10%	-0.57%	0.0006
(5.5, 9.5]	6.58%	6.22%	-0.35%	0.0002
(9.5, inf]	48.43%	52.79%	4.37%	0.0038

risk_score — PSI 0.0532

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 1.5]	25.22%	18.45%	-6.76%	0.0211
(1.5, 2.5]	32.24%	36.21%	3.97%	0.0046
(2.5, 3.5]	18.04%	23.38%	5.35%	0.0139
(3.5, 4.5]	11.11%	12.17%	1.06%	0.0010
(4.5, 5.5]	6.51%	5.24%	-1.27%	0.0028
(5.5, inf]	6.89%	4.54%	-2.35%	0.0098

cust_seg2 — PSI 0.0115

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 2.5]	22.90%	20.54%	-2.36%	0.0026
(2.5, 3.5]	50.18%	55.54%	5.36%	0.0054
(3.5, inf]	26.92%	23.92%	-3.00%	0.0035

dev_stability_grade2 — PSI 0.0092

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 1.5]	11.68%	12.54%	0.86%	0.0006
(1.5, 2.5]	40.24%	42.51%	2.27%	0.0012
(2.5, 3.5]	25.29%	26.03%	0.73%	0.0002
(3.5, inf]	22.78%	18.92%	-3.86%	0.0072

repayment_ability_rank2 — PSI 0.0073

分栏	开发基准比例	OOT 比例	变更	贡献
(-inf, 1.5]	10.52%	9.16%	-1.36%	0.0019
(1.5, 2.5]	26.94%	27.57%	0.64%	0.0001
(2.5, 3.5]	35.27%	38.51%	3.25%	0.0029
(3.5, inf]	27.28%	24.75%	-2.53%	0.0025

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

12 单变量分析

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

bh_a104

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 0.5]	13788	59.98%	11822	1966	14.26%	6.01
2	(0.5, 1.5]	2853	72.39%	2269	584	20.47%	3.89
3	(1.5, 2.5]	2143	81.71%	1749	394	18.39%	4.44
4	(2.5, 4.5]	1858	89.79%	1484	374	20.13%	3.97
5	(4.5, 7.5]	1156	94.82%	922	234	20.24%	3.94
6	(7.5, inf]	1191	100.00%	994	197	16.54%	5.05
合计		22989		19240	3749	16.31%	5.13

bh_a113

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 0.5]	13788	59.98%	11822	1966	14.26%	6.01
2	(0.5, 1.5]	5419	83.55%	4385	1034	19.08%	4.24
3	(1.5, 2.5]	2010	92.29%	1611	399	19.85%	4.04
4	(2.5, inf]	1772	100.00%	1422	350	19.75%	4.06
合计		22989		19240	3749	16.31%	5.13

ScoreCust1

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 569.5]	1425	5.48%	1005	420	29.47%	2.39
2	(569.5, 622.5]	2437	14.86%	1773	664	27.25%	2.67
3	(622.5, 643.5]	1337	20.01%	1065	272	20.34%	3.92
4	(643.5, 665.5]	1527	25.88%	1162	365	23.90%	3.18
5	(665.5, 689.5]	1803	32.82%	1438	365	20.24%	3.94
6	(689.5, 747.5]	5426	53.70%	4414	1012	18.65%	4.36
7	(747.5, 784.5]	3570	67.44%	3072	498	13.95%	6.17
8	(784.5, 833.5]	3866	82.32%	3412	454	11.74%	7.52
9	(833.5, 887.5]	3096	94.23%	2882	214	6.91%	13.47
10	(887.5, inf]	1499	100.00%	1432	67	4.47%	21.37
合计		25986		21655	4331	16.67%	5.00

ScoreCust2

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 550.5]	1685	6.48%	1180	505	29.97%	2.34
2	(550.5, 603.5]	2533	16.23%	1848	685	27.04%	2.70
3	(603.5, 645.5]	2454	25.68%	1921	533	21.72%	3.60
4	(645.5, 666.5]	1435	31.20%	1158	277	19.30%	4.18
5	(666.5, 684.5]	1348	36.38%	1061	287	21.29%	3.70
6	(684.5, 738.5]	4508	53.73%	3663	845	18.74%	4.33
7	(738.5, 786.5]	4027	69.23%	3435	592	14.70%	5.80
8	(786.5, 839.5]	3656	83.30%	3278	378	10.34%	8.67
9	(839.5, 866.5]	1351	88.50%	1256	95	7.03%	13.22
10	(866.5, inf]	2989	100.00%	2855	134	4.48%	21.31
合计		25986		21655	4331	16.67%	5.00

dxm_2025v2

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 365.5]	1308	5.03%	933	375	28.67%	2.49
2	(365.5, 379.5]	2952	16.39%	2201	751	25.44%	2.93
3	(379.5, 386.5]	2317	25.31%	1795	522	22.53%	3.44
4	(386.5, 394.5]	3171	37.51%	2554	617	19.46%	4.14
5	(394.5, 400.5]	2703	47.91%	2214	489	18.09%	4.53
6	(400.5, 412.5]	5271	68.20%	4475	796	15.10%	5.62
7	(412.5, 419.5]	2386	77.38%	2078	308	12.91%	6.75
8	(419.5, 429.5]	2276	86.14%	2026	250	10.98%	8.10
9	(429.5, 444.5]	1780	92.99%	1629	151	8.48%	10.79
10	(444.5, inf]	1822	100.00%	1750	72	3.95%	24.31
合计		25986		21655	4331	16.67%	5.00

score92663

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 31.45044994354248]	1476	5.72%	1429	47	3.18%	30.40
2	(31.45044994354248, 39.962650299072266]	3500	19.28%	3194	306	8.74%	10.44
3	(39.962650299072266, 47.31664848327637]	5137	39.18%	4472	665	12.95%	6.72
4	(47.31664848327637, 51.01125144958496]	2863	50.27%	2360	503	17.57%	4.69
5	(51.01125144958496, 53.08215141296387]	1613	56.52%	1382	231	14.32%	5.98
6	(53.08215141296387, 57.89995002746582]	3824	71.33%	3103	721	18.85%	4.30
7	(57.89995002746582, 60.136199951171875]	1670	77.80%	1313	357	21.38%	3.68
8	(60.136199951171875, 63.64955139160156]	2213	86.38%	1676	537	24.27%	3.12
9	(63.64955139160156, 67.49970245361328]	1638	92.72%	1269	369	22.53%	3.44
10	(67.49970245361328, inf]	1879	100.00%	1322	557	29.64%	2.37
合计		25813		21520	4293	16.63%	5.01

model_risk_v9_stongyong_score

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 28.5]	1439	5.57%	1390	49	3.41%	28.37
2	(28.5, 38.5]	3403	18.75%	3124	279	8.20%	11.20
3	(38.5, 44.5]	3982	34.18%	3531	451	11.33%	7.83
4	(44.5, 46.5]	1646	40.55%	1417	229	13.91%	6.19
5	(46.5, 49.5]	2618	50.69%	2211	407	15.55%	5.43
6	(49.5, 51.5]	1710	57.31%	1424	286	16.73%	4.98
7	(51.5, 54.5]	2579	67.30%	2090	489	18.96%	4.27
8	(54.5, 59.5]	3605	81.26%	2814	791	21.94%	3.56
9	(59.5, 64.5]	2565	91.20%	1940	625	24.37%	3.10
10	(64.5, inf]	2273	100.00%	1585	688	30.27%	2.30
合计		25820		21526	4294	16.63%	5.01

model_risk_v9_sxiaojin_score

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 29.5]	1651	6.39%	1586	65	3.94%	24.40
2	(29.5, 36.5]	2620	16.54%	2411	209	7.98%	11.54
3	(36.5, 42.5]	4462	33.82%	3954	508	11.39%	7.78
4	(42.5, 46.5]	3835	48.68%	3285	550	14.34%	5.97
5	(46.5, 48.5]	2103	56.82%	1764	339	16.12%	5.20
6	(48.5, 50.5]	1928	64.29%	1589	339	17.58%	4.69
7	(50.5, 53.5]	2664	74.60%	2129	535	20.08%	3.98
8	(53.5, 58.5]	3300	87.39%	2520	780	23.64%	3.23
9	(58.5, 62.5]	1707	94.00%	1235	472	27.65%	2.62
10	(62.5, inf]	1550	100.00%	1053	497	32.06%	2.12
合计		25820		21526	4294	16.63%	5.01

model_1034467

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 0.07106450200080872]	2425	9.72%	2284	141	5.81%	16.20
2	(0.07106450200080872, 0.07795150205492973]	1981	17.67%	1765	216	10.90%	8.17
3	(0.07795150205492973, 0.08275549858808517]	1540	23.84%	1327	213	13.83%	6.23
4	(0.08275549858808517, 0.08759349957108498]	1521	29.94%	1385	136	8.94%	10.18
5	(0.08759349957108498, 0.09358850121498108]	1934	37.69%	1668	266	13.75%	6.27
6	(0.09358850121498108, 0.10140899941325188]	2724	48.62%	2269	455	16.70%	4.99
7	(0.10140899941325188, 0.10679049789905548]	1515	54.69%	1196	319	21.06%	3.75
8	(0.10679049789905548, 0.16479599475860596]	8033	86.90%	6495	1538	19.15%	4.22
9	(0.16479599475860596, 0.20841799676418304]	2019	95.00%	1518	501	24.81%	3.03
10	(0.20841799676418304, inf]	1248	100.00%	895	353	28.29%	2.54
合计		24940		20802	4138	16.59%	5.03

model_1034468

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 0.07161249965429306]	1631	6.54%	1542	89	5.46%	17.33
2	(0.07161249965429306, 0.07378850132226944]	1321	11.84%	1214	107	8.10%	11.35
3	(0.07378850132226944, 0.07850050181150436]	2381	21.38%	2088	293	12.31%	7.13
4	(0.07850050181150436, 0.09734249860048294]	6583	47.78%	5561	1022	15.52%	5.44
5	(0.09734249860048294, 0.10201999917626381]	1247	52.78%	1002	245	19.65%	4.09
6	(0.10201999917626381, 0.10976199805736542]	1759	59.83%	1479	280	15.92%	5.28
7	(0.10976199805736542, 0.11911049857735634]	1676	66.55%	1378	298	17.78%	4.62
8	(0.11911049857735634, 0.14082950353622437]	3075	78.88%	2489	586	19.06%	4.25
9	(0.14082950353622437, 0.1907384991645813]	3629	93.43%	2834	795	21.91%	3.56
10	(0.1907384991645813, inf]	1638	100.00%	1215	423	25.82%	2.87
合计		24940		20802	4138	16.59%	5.03

score_50021

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 0.005050000036135316]	1793	7.05%	1710	83	4.63%	20.60
2	(0.005050000036135316, 0.007250000024214387]	2055	15.13%	1882	173	8.42%	10.88
3	(0.007250000024214387, 0.009150000289082527]	1992	22.96%	1782	210	10.54%	8.49
4	(0.009150000289082527, 0.012349999975413084]	3480	36.64%	3029	451	12.96%	6.72
5	(0.012349999975413084, 0.015250000171363354]	3098	48.82%	2640	458	14.78%	5.76
6	(0.015250000171363354, 0.01674999948590994]	1509	54.76%	1267	242	16.04%	5.24
7	(0.01674999948590994, 0.018450000323355198]	1542	60.82%	1245	297	19.26%	4.19
8	(0.018450000323355198, 0.02114999946206808]	2046	68.86%	1699	347	16.96%	4.90
9	(0.02114999946206808, 0.03645000047981739]	5749	91.47%	4415	1334	23.20%	3.31
10	(0.03645000047981739, inf]	2170	100.00%	1532	638	29.40%	2.40
合计		25434		21201	4233	16.64%	5.01

zszs_xy_score

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 689.5]	3207	12.52%	2391	816	25.44%	2.93
2	(689.5, 696.5]	2122	20.81%	1657	465	21.91%	3.56
3	(696.5, 701.5]	1863	28.08%	1529	334	17.93%	4.58
4	(701.5, 704.5]	1418	33.62%	1129	289	20.38%	3.91
5	(704.5, 710.5]	3039	45.49%	2505	534	17.57%	4.69
6	(710.5, 716.5]	2919	56.89%	2465	454	15.55%	5.43
7	(716.5, 730.5]	5793	79.51%	4942	851	14.69%	5.81
8	(730.5, 737.5]	1961	87.16%	1771	190	9.69%	9.32
9	(737.5, 749.5]	1911	94.63%	1687	224	11.72%	7.53
10	(749.5, inf]	1376	100.00%	1276	100	7.27%	12.76
合计		25609		21352	4257	16.62%	5.02

xmf_v11xj

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 397.5]	4313	16.78%	3381	932	21.61%	3.63
2	(397.5, 409.5]	3962	32.20%	3225	737	18.60%	4.38
3	(409.5, 414.5]	2044	40.16%	1639	405	19.81%	4.05
4	(414.5, 421.5]	2681	50.59%	2223	458	17.08%	4.85
5	(421.5, 425.5]	1321	55.73%	1061	260	19.68%	4.08
6	(425.5, 438.5]	3433	69.09%	2856	577	16.81%	4.95
7	(438.5, 445.5]	1531	75.05%	1305	226	14.76%	5.77
8	(445.5, 466.5]	3481	88.59%	3049	432	12.41%	7.06
9	(466.5, 480.5]	1538	94.58%	1373	165	10.73%	8.32
10	(480.5, inf]	1393	100.00%	1306	87	6.25%	15.01
合计		25697		21418	4279	16.65%	5.01

bh_CO4001score

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 34.5]	1593	6.13%	1507	86	5.40%	17.52
2	(34.5, 37.5]	1633	12.42%	1489	144	8.82%	10.34
3	(37.5, 39.5]	1747	19.14%	1552	195	11.16%	7.96
4	(39.5, 43.5]	4733	37.36%	4066	667	14.09%	6.10
5	(43.5, 45.5]	2704	47.76%	2281	423	15.64%	5.39
6	(45.5, 46.5]	1517	53.60%	1255	262	17.27%	4.79
7	(46.5, 47.5]	1319	58.68%	1116	203	15.39%	5.50
8	(47.5, 50.5]	4026	74.17%	3286	740	18.38%	4.44
9	(50.5, 55.5]	4679	92.18%	3598	1081	23.10%	3.33
10	(55.5, inf]	2032	100.00%	1502	530	26.08%	2.83
合计		25983		21652	4331	16.67%	5.00

PY083P

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 542.5]	2278	8.82%	1675	603	26.47%	2.78
2	(542.5, 570.5]	2426	18.21%	1836	590	24.32%	3.11
3	(570.5, 582.5]	1483	23.96%	1157	326	21.98%	3.55
4	(582.5, 599.5]	2459	33.48%	1964	495	20.13%	3.97
5	(599.5, 607.5]	1339	38.66%	1116	223	16.65%	5.00
6	(607.5, 617.5]	1782	45.56%	1451	331	18.57%	4.38
7	(617.5, 657.5]	6327	70.06%	5363	964	15.24%	5.56
8	(657.5, 699.5]	4033	85.68%	3546	487	12.08%	7.28
9	(699.5, 730.5]	1645	92.05%	1474	171	10.40%	8.62
10	(730.5, inf]	2054	100.00%	1950	104	5.06%	18.75
合计		25826		21532	4294	16.63%	5.01

risk_v8_slowirr

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 17.5]	1395	5.40%	1354	41	2.94%	33.02
2	(17.5, 27.5]	2643	15.64%	2435	208	7.87%	11.71
3	(27.5, 35.5]	3035	27.40%	2702	333	10.97%	8.11
4	(35.5, 45.5]	4696	45.59%	4019	677	14.42%	5.94
5	(45.5, 54.5]	4335	62.39%	3569	766	17.67%	4.66
6	(54.5, 60.5]	2863	73.48%	2315	548	19.14%	4.22
7	(60.5, 63.5]	1363	78.76%	1079	284	20.84%	3.80
8	(63.5, 67.5]	1673	85.24%	1257	416	24.87%	3.02
9	(67.5, 72.5]	1708	91.86%	1311	397	23.24%	3.30
10	(72.5, inf]	2102	100.00%	1479	623	29.64%	2.37
合计		25813		21520	4293	16.63%	5.01

mobile_fixed_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 2.5]	1704	6.58%	1407	297	17.43%	4.74
2	(2.5, 4.5]	2559	16.46%	2123	436	17.04%	4.87
3	(4.5, 5.5]	1716	23.09%	1389	327	19.06%	4.25
4	(5.5, 6.5]	3008	34.70%	2389	619	20.58%	3.86
5	(6.5, 7.5]	5851	57.30%	4733	1118	19.11%	4.23
6	(7.5, 8.5]	4651	75.26%	3899	752	16.17%	5.18
7	(8.5, 9.5]	4407	92.27%	3857	550	12.48%	7.01
8	(9.5, inf]	2001	100.00%	1795	206	10.29%	8.71
合计		25897		21592	4305	16.62%	5.02

adr_stability_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 2.5]	7385	28.52%	5728	1657	22.44%	3.46
2	(2.5, 4.5]	1535	34.44%	1246	289	18.83%	4.31
3	(4.5, 5.5]	1808	41.43%	1459	349	19.30%	4.18
4	(5.5, 6.5]	2546	51.26%	2117	429	16.85%	4.93
5	(6.5, 7.5]	3932	66.44%	3331	601	15.28%	5.54
6	(7.5, 8.5]	3117	78.48%	2717	400	12.83%	6.79
7	(8.5, 9.5]	3243	91.00%	2877	366	11.29%	7.86
8	(9.5, inf]	2331	100.00%	2117	214	9.18%	9.89
合计		25897		21592	4305	16.62%	5.02

have_car_prob_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 1.5]	15468	59.73%	12453	3015	19.49%	4.13
2	(1.5, inf]	10429	100.00%	9139	1290	12.37%	7.08
合计		25897		21592	4305	16.62%	5.02

tot_pay_amt_6m_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 1.5]	8982	34.68%	7029	1953	21.74%	3.60
2	(1.5, 2.5]	3512	48.24%	2921	591	16.83%	4.94
3	(2.5, 3.5]	2438	57.66%	2073	365	14.97%	5.68
4	(3.5, 4.5]	3044	69.41%	2637	407	13.37%	6.48
5	(4.5, 5.5]	2304	78.31%	1983	321	13.93%	6.18
6	(5.5, 6.5]	1418	83.79%	1238	180	12.69%	6.88
7	(6.5, 8.5]	2829	94.71%	2508	321	11.35%	7.81
8	(8.5, inf]	1370	100.00%	1203	167	12.19%	7.20
合计		25897		21592	4305	16.62%	5.02

first_loan_length_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 1.5]	2843	10.98%	2178	665	23.39%	3.28
2	(1.5, 4.5]	1832	18.05%	1369	463	25.27%	2.96
3	(4.5, 5.5]	1862	25.24%	1468	394	21.16%	3.73
4	(5.5, 6.5]	2456	34.73%	1972	484	19.71%	4.07
5	(6.5, inf]	16904	100.00%	14605	2299	13.60%	6.35
合计		25897		21592	4305	16.62%	5.02

avg_bal_6m_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 1.5]	12703	49.06%	10084	2619	20.62%	3.85
2	(1.5, 3.5]	3378	62.10%	2866	512	15.16%	5.60
3	(3.5, 5.5]	3442	75.39%	3024	418	12.14%	7.23
4	(5.5, 6.5]	2141	83.66%	1859	282	13.17%	6.59
5	(6.5, 7.5]	1410	89.11%	1229	181	12.84%	6.79
6	(7.5, inf]	2821	100.00%	2530	291	10.32%	8.69
合计		25895		21592	4303	16.62%	5.02

repay_amt_6m_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 1.5]	12905	49.83%	10199	2706	20.97%	3.77
2	(1.5, 3.5]	2901	61.03%	2397	504	17.37%	4.76
3	(3.5, 4.5]	1784	67.92%	1508	276	15.47%	5.46
4	(4.5, 5.5]	2679	78.27%	2324	355	13.25%	6.55
5	(5.5, 6.5]	2356	87.37%	2126	230	9.76%	9.24
6	(6.5, inf]	3272	100.00%	3038	234	7.15%	12.98
合计		25897		21592	4305	16.62%	5.02

positive_biz_cnt_1y_grade

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 1.5]	7346	28.37%	5806	1540	20.96%	3.77
2	(1.5, 2.5]	2417	37.70%	1963	454	18.78%	4.32
3	(2.5, 5.5]	1447	43.29%	1160	287	19.83%	4.04
4	(5.5, 9.5]	1717	49.92%	1445	272	15.84%	5.31
5	(9.5, inf]	12970	100.00%	11218	1752	13.51%	6.40
合计		25897		21592	4305	16.62%	5.02

risk_score

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 1.5]	6258	24.16%	5830	428	6.84%	13.62
2	(1.5, 2.5]	8780	58.07%	7496	1284	14.62%	5.84
3	(2.5, 3.5]	4851	76.80%	3869	982	20.24%	3.94
4	(3.5, 4.5]	2864	87.86%	2150	714	24.93%	3.01
5	(4.5, 5.5]	1550	93.84%	1119	431	27.81%	2.60
6	(5.5, inf]	1594	100.00%	1128	466	29.23%	2.42
合计		25897		21592	4305	16.62%	5.02

cust_seg2

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 2.5]	5872	22.67%	5325	547	9.32%	9.73
2	(2.5, 3.5]	13452	74.62%	11295	2157	16.03%	5.24
3	(3.5, inf]	6573	100.00%	4972	1601	24.36%	3.11
合计		25897		21592	4305	16.62%	5.02

dev_stability_grade2

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 1.5]	3140	12.12%	2733	407	12.96%	6.71
2	(1.5, 2.5]	10656	53.27%	9068	1588	14.90%	5.71
3	(2.5, 3.5]	6566	78.63%	5405	1161	17.68%	4.66
4	(3.5, inf]	5535	100.00%	4386	1149	20.76%	3.82
合计		25897		21592	4305	16.62%	5.02

repayment_ability_rank2

组号	Value	Tot. Records	累计占比	#Goods	#Bads	Bad Rate	G/B Odds
1	(-inf, 1.5]	2660	10.27%	2376	284	10.68%	8.37
2	(1.5, 2.5]	7041	37.46%	6046	995	14.13%	6.08
3	(2.5, 3.5]	9376	73.66%	7724	1652	17.62%	4.68
4	(3.5, inf]	6820	100.00%	5446	1374	20.15%	3.96
合计		25897		21592	4305	16.62%	5.02

13 压力测试

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

测试情景1：跨时间(OOT)样本

变量贡献度

变量	贡献度
repay_amt_6m_grade	0.3767
risk_score	0.2026
ScoreCust2	0.1933
dxm_2025v2	0.1645
score_50021	0.1620
avg_bal_6m_grade	0.1536
ScoreCust1	0.1442
model_risk_v9_sxiaojin_score	0.1049
first_loan_length_grade	0.1020
model_1034467	0.0771

区分度验证 — LR + WOE 评分卡 @ OOT

KS = 0.2596，GINI = 0.3528

组号	分数区间(PD)	样本数	累计占比	Good	Bad	累计Good占比	累计Bad占比	分组坏率	累计坏率	分组Odds	累计Odds
1	0.0097 ~ 0.0432	520	10.00%	497	23	12.10%	2.11%	4.42%	4.42%	21.61	21.61
2	0.0432 ~ 0.0641	520	20.01%	459	61	11.18%	7.69%	11.73%	8.08%	7.52	11.38
3	0.0642 ~ 0.0857	520	30.01%	451	69	10.98%	14.01%	13.27%	9.81%	6.54	9.20
4	0.0857 ~ 0.1076	519	40.00%	433	86	10.55%	21.89%	16.57%	11.50%	5.03	7.70
5	0.1077 ~ 0.1317	520	50.00%	431	89	10.50%	30.04%	17.12%	12.62%	4.84	6.92
6	0.1317 ~ 0.1604	520	60.00%	410	110	9.99%	40.11%	21.15%	14.04%	3.73	6.12
7	0.1604 ~ 0.1928	519	69.99%	394	125	9.60%	51.56%	24.08%	15.48%	3.15	5.46
8	0.1929 ~ 0.2408	520	79.99%	370	150	9.01%	65.29%	28.85%	17.15%	2.47	4.83
9	0.2408 ~ 0.3004	520	90.00%	358	162	8.72%	80.13%	31.15%	18.70%	2.21	4.35
10	0.3004 ~ 0.6043	520	100.00%	303	217	7.38%	100.00%	41.73%	21.01%	1.40	3.76
TOTALS		5198		4106	1092			21.01%		—	3.76

	bh_a104	bh_a113	ScoreCust1	ScoreCust2	dxm_2025v2	score92663	model_risk_v9_stongyong_score	model_risk_v9_sxiaojin_score	model_1034467	model_1034468	score_50021	zszs_xy_score	xmf_v11xj	bh_CO4001score	PY083P	risk_v8_slowirr	mobile_fixed_grade	adr_stability_grade	have_car_prob_grade	tot_pay_amt_6m_grade	first_loan_length_grade	avg_bal_6m_grade	repay_amt_6m_grade	positive_biz_cnt_1y_grade	risk_score	cust_seg2	dev_stability_grade2	repayment_ability_rank2
bh_a104	1.000	0.985	0.296	0.289	0.149	0.152	0.138	0.109	0.177	0.174	0.098	0.084	0.188	0.118	0.142	0.152	0.067	0.074	0.046	0.051	0.088	0.053	0.067	0.051	0.118	0.088	0.026	0.062
bh_a113	0.985	1.000	0.304	0.300	0.143	0.150	0.129	0.096	0.180	0.182	0.089	0.077	0.192	0.111	0.141	0.149	0.056	0.060	0.034	0.037	0.070	0.041	0.053	0.038	0.105	0.076	0.018	0.052
ScoreCust1	0.296	0.304	1.000	0.792	0.334	0.330	0.293	0.254	0.334	0.332	0.214	0.148	0.309	0.348	0.380	0.332	0.129	0.152	0.077	0.096	0.106	0.094	0.117	0.085	0.245	0.195	0.039	0.101
ScoreCust2	0.289	0.300	0.792	1.000	0.371	0.390	0.354	0.310	0.414	0.386	0.258	0.191	0.350	0.325	0.368	0.394	0.180	0.206	0.111	0.105	0.145	0.083	0.118	0.076	0.279	0.212	0.036	0.106
dxm_2025v2	0.149	0.143	0.334	0.371	1.000	0.315	0.312	0.317	0.290	0.249	0.262	0.158	0.463	0.246	0.335	0.329	0.158	0.217	0.162	0.128	0.166	0.091	0.135	0.084	0.253	0.206	0.037	0.140
score92663	0.152	0.150	0.330	0.390	0.315	1.000	0.718	0.669	0.363	0.320	0.394	0.197	0.319	0.496	0.329	0.830	0.160	0.210	0.188	0.158	0.159	0.101	0.137	0.071	0.266	0.235	0.060	0.152
model_risk_v9_stongyong_score	0.138	0.129	0.293	0.354	0.312	0.718	1.000	0.892	0.362	0.299	0.476	0.227	0.305	0.491	0.324	0.712	0.221	0.242	0.241	0.174	0.229	0.121	0.161	0.092	0.282	0.267	0.045	0.188
model_risk_v9_sxiaojin_score	0.109	0.096	0.254	0.310	0.317	0.669	0.892	1.000	0.331	0.255	0.466	0.244	0.267	0.501	0.323	0.684	0.258	0.295	0.260	0.224	0.276	0.156	0.200	0.130	0.323	0.302	0.085	0.214
model_1034467	0.177	0.180	0.334	0.414	0.290	0.363	0.362	0.331	1.000	0.815	0.338	0.192	0.293	0.323	0.321	0.362	0.162	0.214	0.156	0.111	0.131	0.036	0.067	0.016	0.234	0.202	0.034	0.128
model_1034468	0.174	0.182	0.332	0.386	0.249	0.320	0.299	0.255	0.815	1.000	0.283	0.137	0.287	0.276	0.296	0.317	0.073	0.102	0.092	0.031	0.052	-0.005	0.016	-0.018	0.152	0.120	0.004	0.066
score_50021	0.098	0.089	0.214	0.258	0.262	0.394	0.476	0.466	0.338	0.283	1.000	0.200	0.268	0.365	0.277	0.403	0.183	0.211	0.208	0.149	0.186	0.107	0.143	0.071	0.247	0.241	0.051	0.184
zszs_xy_score	0.084	0.077	0.148	0.191	0.158	0.197	0.227	0.244	0.192	0.137	0.200	1.000	0.099	0.195	0.173	0.210	0.172	0.278	0.155	0.191	0.176	0.144	0.184	0.126	0.261	0.253	0.139	0.188
xmf_v11xj	0.188	0.192	0.309	0.350	0.463	0.319	0.305	0.267	0.293	0.287	0.268	0.099	1.000	0.249	0.372	0.318	0.065	0.083	0.072	0.045	0.036	0.027	0.045	0.011	0.140	0.126	-0.005	0.069
bh_CO4001score	0.118	0.111	0.348	0.325	0.246	0.496	0.491	0.501	0.323	0.276	0.365	0.195	0.249	1.000	0.463	0.523	0.185	0.255	0.202	0.271	0.178	0.172	0.198	0.140	0.360	0.308	0.147	0.199
PY083P	0.142	0.141	0.380	0.368	0.335	0.329	0.324	0.323	0.321	0.296	0.277	0.173	0.372	0.463	1.000	0.350	0.121	0.240	0.131	0.235	0.141	0.196	0.218	0.188	0.321	0.270	0.162	0.180
risk_v8_slowirr	0.152	0.149	0.332	0.394	0.329	0.830	0.712	0.684	0.362	0.317	0.403	0.210	0.318	0.523	0.350	1.000	0.174	0.237	0.182	0.167	0.184	0.110	0.149	0.084	0.291	0.256	0.071	0.179
mobile_fixed_grade	0.067	0.056	0.129	0.180	0.158	0.160	0.221	0.258	0.162	0.073	0.183	0.172	0.065	0.185	0.121	0.174	1.000	0.308	0.197	0.170	0.316	0.127	0.161	0.110	0.240	0.237	0.085	0.181
adr_stability_grade	0.074	0.060	0.152	0.206	0.217	0.210	0.242	0.295	0.214	0.102	0.211	0.278	0.083	0.255	0.240	0.237	0.308	1.000	0.250	0.360	0.379	0.270	0.309	0.257	0.419	0.365	0.213	0.238
have_car_prob_grade	0.046	0.034	0.077	0.111	0.162	0.188	0.241	0.260	0.156	0.092	0.208	0.155	0.072	0.202	0.131	0.182	0.197	0.250	1.000	0.242	0.237	0.182	0.226	0.172	0.265	0.285	0.110	0.205
tot_pay_amt_6m_grade	0.051	0.037	0.096	0.105	0.128	0.158	0.174	0.224	0.111	0.031	0.149	0.191	0.045	0.271	0.235	0.167	0.170	0.360	0.242	1.000	0.229	0.446	0.504	0.397	0.442	0.357	0.388	0.228
first_loan_length_grade	0.088	0.070	0.106	0.145	0.166	0.159	0.229	0.276	0.131	0.052	0.186	0.176	0.036	0.178	0.141	0.184	0.316	0.379	0.237	0.229	1.000	0.248	0.285	0.271	0.381	0.324	0.141	0.227
avg_bal_6m_grade	0.053	0.041	0.094	0.083	0.091	0.101	0.121	0.156	0.036	-0.005	0.107	0.144	0.027	0.172	0.196	0.110	0.127	0.270	0.182	0.446	0.248	1.000	0.866	0.779	0.363	0.255	0.381	0.134
repay_amt_6m_grade	0.067	0.053	0.117	0.118	0.135	0.137	0.161	0.200	0.067	0.016	0.143	0.184	0.045	0.198	0.218	0.149	0.161	0.309	0.226	0.504	0.285	0.866	1.000	0.750	0.431	0.326	0.409	0.175
positive_biz_cnt_1y_grade	0.051	0.038	0.085	0.076	0.084	0.071	0.092	0.130	0.016	-0.018	0.071	0.126	0.011	0.140	0.188	0.084	0.110	0.257	0.172	0.397	0.271	0.779	0.750	1.000	0.401	0.240	0.354	0.112
risk_score	0.118	0.105	0.245	0.279	0.253	0.266	0.282	0.323	0.234	0.152	0.247	0.261	0.140	0.360	0.321	0.291	0.240	0.419	0.265	0.442	0.381	0.363	0.431	0.401	1.000	0.459	0.299	0.256
cust_seg2	0.088	0.076	0.195	0.212	0.206	0.235	0.267	0.302	0.202	0.120	0.241	0.253	0.126	0.308	0.270	0.256	0.237	0.365	0.285	0.357	0.324	0.255	0.326	0.240	0.459	1.000	0.201	0.538
dev_stability_grade2	0.026	0.018	0.039	0.036	0.037	0.060	0.045	0.085	0.034	0.004	0.051	0.139	-0.005	0.147	0.162	0.071	0.085	0.213	0.110	0.388	0.141	0.381	0.409	0.354	0.299	0.201	1.000	0.144
repayment_ability_rank2	0.062	0.052	0.101	0.106	0.140	0.152	0.188	0.214	0.128	0.066	0.184	0.188	0.069	0.199	0.180	0.179	0.181	0.238	0.205	0.228	0.227	0.134	0.175	0.112	0.256	0.538	0.144	1.000