风控模型开发验证报告

实验 ID: 20260908-jbdata-optbin · 生成时间: 2026-09-08 03:40 UTC · 报告结构：标准14节模型开发验证模板

00 模型概要信息

项目内容
模型名称exp_20260908-jbdata-optbin
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 ID20260908-jbdata-optbin
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
1id_no主键/时间/口径字段，不入模
2apply_dt主键/时间/口径字段，不入模
3credit_no主键/时间/口径字段，不入模
4data_flag主键/时间/口径字段，不入模
5flag_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1559112990260116.68%
预留验证样本5197455863912.30%

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)51984106109221.01%

03 单变量分析（细分箱）

risk_score — IV 0.0654，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]625858304286.84%0.2504
2(1.5, 2.5]87807496128414.62%0.0595
3(2.5, 3.5]4851386998220.24%-0.0696
4(3.5, 4.5]2864215071424.93%-0.1049
5(4.5, 5.5]1550111943127.81%-0.0839
6(5.5, inf]1594112846629.23%-0.0966
cust_seg2 — IV 0.0464，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]587253255479.32%0.1745
2(2.5, 3.5]1345211295215716.03%0.0218
3(3.5, inf]65734972160124.36%-0.1773
model_risk_v9_stongyong_score — IV 0.0437，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 28.5]14391390493.41%0.0989
2(28.5, 38.5]340331242798.20%0.1327
3(38.5, 44.5]3982353145111.33%0.0931
4(44.5, 46.5]1646141722913.91%0.0223
5(46.5, 49.5]2618221140715.55%0.0132
6(49.5, 51.5]1710142428616.73%-0.0008
7(51.5, 54.5]2579209048918.96%-0.0277
8(54.5, 59.5]3605281479121.94%-0.0814
9(59.5, 64.5]2565194062524.37%-0.0898
10(64.5, inf]2273158568830.27%-0.1406
model_risk_v9_sxiaojin_score — IV 0.0407，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 29.5]16511586653.94%0.1076
2(29.5, 36.5]262024112097.98%0.1092
3(36.5, 42.5]4462395450811.39%0.1005
4(42.5, 46.5]3835328555014.34%0.0383
5(46.5, 48.5]2103176433916.12%0.0052
6(48.5, 50.5]1928158933917.58%-0.0089
7(50.5, 53.5]2664212953520.08%-0.0420
8(53.5, 58.5]3300252078023.64%-0.0995
9(58.5, 62.5]1707123547227.65%-0.0901
10(62.5, inf]1550105349732.06%-0.1149
repay_amt_6m_grade — IV 0.0405，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1290510199270620.97%-0.1490
2(1.5, 3.5]2901239750417.37%-0.0099
3(3.5, 4.5]1784150827615.47%0.0101
4(4.5, 5.5]2679232435513.25%0.0423
5(5.5, 6.5]235621262309.76%0.0782
6(6.5, inf]327230382347.15%0.1448
ScoreCust2 — IV 0.0382，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 550.5]1685118050529.97%-0.1062
2(550.5, 603.5]2533184868527.04%-0.1173
3(603.5, 684.5]52374140109720.95%-0.0861
4(684.5, 738.5]4508366384518.74%-0.0381
5(738.5, 786.5]4027343559214.70%0.0339
6(786.5, 803.5]1350119715311.33%0.0366
7(803.5, 839.5]230620812259.76%0.0769
8(839.5, 866.5]13511256957.03%0.0668
9(866.5, 920.5]16841602824.87%0.1008
10(920.5, inf]13051253523.98%0.0858
score_50021 — IV 0.0349，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.005050000036135316]17931710834.63%0.1111
2(0.005050000036135316, 0.007250000024214387]205518821738.42%0.0849
3(0.007250000024214387, 0.009150000289082527]1992178221010.54%0.0608
4(0.009150000289082527, 0.012349999975413084]3480302945112.96%0.0582
5(0.012349999975413084, 0.015250000171363354]3098264045814.78%0.0265
6(0.015250000171363354, 0.01674999948590994]1509126724216.04%0.0046
7(0.01674999948590994, 0.02114999946206808]3588294464417.95%-0.0206
8(0.02114999946206808, 0.027050000615417957]3201247972222.56%-0.0834
9(0.027050000615417957, 0.03645000047981739]2548193661224.02%-0.0862
10(0.03645000047981739, inf]2170153263829.40%-0.1285
ScoreCust1 — IV 0.0345，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 569.5]1425100542029.47%-0.0885
2(569.5, 622.5]2437177366427.25%-0.1158
3(622.5, 665.5]2864222763722.24%-0.0708
4(665.5, 689.5]1803143836520.24%-0.0311
5(689.5, 747.5]54264414101218.65%-0.0415
6(747.5, 784.5]3570307249813.95%0.0428
7(784.5, 833.5]3866341245411.74%0.0836
8(833.5, 857.5]144013351057.29%0.0689
9(857.5, 887.5]165615471096.58%0.0844
10(887.5, inf]14991432674.47%0.0937
risk_v8_slowirr — IV 0.0344，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 17.5]13951354412.94%0.0996
2(17.5, 27.5]264324352087.87%0.1115
3(27.5, 31.5]1424127614810.39%0.0454
4(31.5, 35.5]1611142618511.48%0.0418
5(35.5, 45.5]4696401967714.42%0.0432
6(45.5, 54.5]4335356976617.67%-0.0187
7(54.5, 60.5]2863231554819.14%-0.0325
8(60.5, 63.5]1363107928420.84%-0.0287
9(63.5, 72.5]3381256881324.05%-0.1071
10(72.5, inf]2102147962329.64%-0.1260
first_loan_length_grade — IV 0.0335，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.5]46753547112824.13%-0.1373
2(4.5, 5.5]1862146839421.16%-0.0406
3(5.5, 6.5]2456197248419.71%-0.0351
4(6.5, inf]1690414605229913.60%0.1290
avg_bal_6m_grade — IV 0.0321，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1270310084261920.62%-0.1367
2(1.5, 3.5]3378286651215.16%0.0220
3(3.5, 7.5]6993611288112.60%0.1054
4(7.5, inf]2821253029110.32%0.0837
score92663 — IV 0.0318，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 31.45044994354248]14761429473.18%0.1030
2(31.45044994354248, 37.38999938964844]215519791768.17%0.0900
3(37.38999938964844, 39.962650299072266]134512151309.67%0.0482
4(39.962650299072266, 42.10270118713379]1307115215511.86%0.0320
5(42.10270118713379, 47.31664848327637]3830332051013.32%0.0557
6(47.31664848327637, 53.08215141296387]4476374273416.40%0.0043
7(53.08215141296387, 57.89995002746582]3824310372118.85%-0.0362
8(57.89995002746582, 60.136199951171875]1670131335721.38%-0.0387
9(60.136199951171875, 67.49970245361328]3851294590623.53%-0.1102
10(67.49970245361328, inf]1879132255729.64%-0.1148
have_car_prob_grade — IV 0.0312，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1546812453301519.49%-0.1087
2(1.5, inf]104299139129012.37%0.1437
dxm_2025v2 — IV 0.0294，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 365.5]130893337528.67%-0.0771
2(365.5, 379.5]2952220175125.44%-0.1127
3(379.5, 386.5]2317179552222.53%-0.0626
4(386.5, 394.5]3171255461719.46%-0.0389
5(394.5, 400.5]2703221448918.09%-0.0176
6(400.5, 412.5]5271447579615.10%0.0329
7(412.5, 419.5]2386207830812.91%0.0426
8(419.5, 429.5]2276202625010.98%0.0623
9(429.5, 444.5]178016291518.48%0.0727
10(444.5, inf]18221750723.95%0.1171
adr_stability_grade — IV 0.0282，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]73855728165722.44%-0.1452
2(2.5, 5.5]3343270563819.08%-0.0360
3(5.5, 6.5]2546211742916.85%-0.0027
4(6.5, 7.5]3932333160115.28%0.0227
5(7.5, 8.5]3117271740012.83%0.0540
6(8.5, 9.5]3243287736611.29%0.0792
7(9.5, inf]233121172149.18%0.0843
model_1034467 — IV 0.0275，9 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.07106450200080872]242522841415.81%0.1326
2(0.07106450200080872, 0.07795150205492973]1981176521610.90%0.0574
3(0.07795150205492973, 0.08759349957108498]3061271234911.40%0.0758
4(0.08759349957108498, 0.09358850121498108]1934166826613.75%0.0278
5(0.09358850121498108, 0.10140899941325188]2724226945516.70%-0.0014
6(0.10140899941325188, 0.11890449747443199]4162336679619.13%-0.0451
7(0.11890449747443199, 0.16479599475860596]53864325106119.70%-0.0663
8(0.16479599475860596, 0.20841799676418304]2019151850124.81%-0.0806
9(0.20841799676418304, inf]124889535328.29%-0.0750
tot_pay_amt_6m_grade — IV 0.0274，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]89827029195321.74%-0.1443
2(1.5, 2.5]3512292159116.83%-0.0031
3(2.5, 3.5]2438207336514.97%0.0190
4(3.5, 5.5]5348462072813.61%0.0649
5(5.5, 6.5]1418123818012.69%0.0283
6(6.5, inf]4199371148811.62%0.0911
PY083P — IV 0.0258，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 542.5]2278167560326.47%-0.1029
2(542.5, 570.5]2426183659024.32%-0.0853
3(570.5, 582.5]1483115732621.98%-0.0393
4(582.5, 599.5]2459196449520.13%-0.0399
5(599.5, 617.5]3121256755417.75%-0.0157
6(617.5, 657.5]6327536396415.24%0.0334
7(657.5, 668.5]1345117217312.86%0.0258
8(668.5, 699.5]2688237431411.68%0.0628
9(699.5, 730.5]1645147417110.40%0.0517
10(730.5, inf]205419501045.06%0.1192
bh_CO4001score — IV 0.0243，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 34.5]15931507865.40%0.0914
2(34.5, 37.5]163314891448.82%0.0645
3(37.5, 39.5]1747155219511.16%0.0477
4(39.5, 41.5]2159186029913.85%0.0292
5(41.5, 43.5]2574220636814.30%0.0285
6(43.5, 45.5]2704228142315.64%0.0128
7(45.5, 47.5]2836237146516.40%0.0035
8(47.5, 50.5]4026328674018.38%-0.0289
9(50.5, 55.5]46793598108123.10%-0.1180
10(55.5, inf]2032150253026.08%-0.0890
positive_biz_cnt_1y_grade — IV 0.0241，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]73465806154020.96%-0.1093
2(1.5, 5.5]3864312374119.18%-0.0418
3(5.5, 9.5]1717144527215.84%0.0066
4(9.5, inf]1297011218175213.51%0.1170
zszs_xy_score — IV 0.0186，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 681.5]1486110038625.98%-0.0686
2(681.5, 689.5]1721129143024.99%-0.0698
3(689.5, 696.5]2122165746521.91%-0.0533
4(696.5, 704.5]3281265862318.99%-0.0344
5(704.5, 707.5]1507124126617.65%-0.0078
6(707.5, 710.5]1532126426817.49%-0.0067
7(710.5, 716.5]2919246545415.55%0.0144
8(716.5, 730.5]5793494285114.69%0.0441
9(730.5, 749.5]3872345841410.69%0.1029
10(749.5, inf]137612761007.27%0.0670
model_1034468 — IV 0.0160，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.07161249965429306]16311542895.46%0.0961
2(0.07161249965429306, 0.07378850132226944]132112141078.10%0.0600
3(0.07378850132226944, 0.07850050181150436]2381208829312.31%0.0505
4(0.07850050181150436, 0.08752300217747688]3230275048014.86%0.0260
5(0.08752300217747688, 0.09734249860048294]3353281154216.16%0.0066
6(0.09734249860048294, 0.11911049857735634]4682385982317.58%-0.0193
7(0.11911049857735634, 0.14082950353622437]3075248958619.06%-0.0348
8(0.14082950353622437, 0.1581215038895607]1752137937321.29%-0.0413
9(0.1581215038895607, 0.1907384991645813]1877145542222.48%-0.0547
10(0.1907384991645813, inf]1638121542325.82%-0.0755
bh_a104 — IV 0.0134，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1378811822196614.26%0.0842
2(0.5, 1.5]2853226958420.47%-0.0594
3(1.5, 7.5]51574155100219.43%-0.0692
4(7.5, inf]119199419716.54%-0.0016
repayment_ability_rank2 — IV 0.0130，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]2660237628410.68%0.0750
2(1.5, 2.5]7041604699514.13%0.0647
3(2.5, 3.5]93767724165217.62%-0.0299
4(3.5, inf]68205446137420.15%-0.0853
bh_a113 — IV 0.0122，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1378811822196614.26%0.0842
2(0.5, 1.5]54194385103419.08%-0.0637
3(1.5, 2.5]2010161139919.85%-0.0381
4(2.5, inf]1772142235019.75%-0.0333
xmf_v11xj — IV 0.0114，10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 385.5]1754136538922.18%-0.0471
2(385.5, 397.5]2559201654321.22%-0.0537
3(397.5, 414.5]60064864114219.01%-0.0533
4(414.5, 425.5]4002328471817.94%-0.0219
5(425.5, 438.5]3433285657716.81%-0.0024
6(438.5, 445.5]1531130522614.76%0.0146
7(445.5, 455.5]1785155523012.89%0.0335
8(455.5, 466.5]1696149420211.91%0.0404
9(466.5, 480.5]1538137316510.73%0.0463
10(480.5, inf]13931306876.25%0.0752
dev_stability_grade2 — IV 0.0106，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]3140273340712.96%0.0525
2(1.5, 2.5]106569068158814.90%0.0571
3(2.5, 3.5]65665405116117.68%-0.0255
4(3.5, inf]55354386114920.76%-0.0868
mobile_fixed_grade — IV 0.0105，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.5]4263353073317.19%-0.0102
2(4.5, 5.5]1716138932719.06%-0.0204
3(5.5, 6.5]3008238961920.58%-0.0529
4(6.5, 7.5]58514733111819.11%-0.0548
5(7.5, 8.5]4651389975216.17%0.0087
6(8.5, 9.5]4407385755012.48%0.0779
7(9.5, inf]2001179520610.29%0.0624
last_6m_avg_asset_total_grade — IV 0.0097，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1262710233239418.96%-0.0810
2(1.5, 3.5]70715941113015.98%0.0165
3(3.5, 4.5]1694144824614.52%0.0176
4(4.5, 5.5]1473127220113.65%0.0221
5(5.5, 6.5]1340116517513.06%0.0243
6(6.5, inf]169215331599.40%0.0615
bh_h171 — IV 0.0084，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 9.069999694824219]1648314014246914.98%0.0585
2(9.069999694824219, 55.255001068115234]52944262103219.49%-0.0719
3(55.255001068115234, inf]121296424820.46%-0.0288
bh_h163 — IV 0.0081，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 11.444999694824219]1774015040270015.22%0.0492
2(11.444999694824219, inf]52494200104919.98%-0.0822
bh_a112 — IV 0.0077，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1604713645240214.97%0.0583
2(0.5, 1.5]4782386192119.26%-0.0622
3(1.5, inf]2160173442619.72%-0.0391
have_fang_prob_grade — IV 0.0076，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1774314577316617.84%-0.0501
2(1.5, inf]81547015113913.97%0.0759
bh_a103 — IV 0.0071，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1604713645240214.97%0.0583
2(0.5, 1.5]2539203150820.01%-0.0483
3(1.5, 4.5]3244261363119.45%-0.0499
4(4.5, inf]115995120817.95%-0.0110
bh_a119 — IV 0.0069，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5741484689515.59%0.0176
2(0.5, 3.5]76986568113014.68%0.0487
3(3.5, 4.5]1494128920513.72%0.0220
4(4.5, 5.5]116597319216.48%-0.0012
5(5.5, 9.5]3195264055517.37%-0.0168
6(9.5, inf]3696292477220.89%-0.0795
bh_a111 — IV 0.0068，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1866715798286915.37%0.0432
2(0.5, inf]4322344288020.36%-0.0790
bh_a056 — IV 0.0065，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1465312454219915.01%0.0544
2(0.5, 1.5]4106343966716.24%0.0012
3(1.5, 4.5]2561203652520.50%-0.0549
4(4.5, inf]1669131135821.45%-0.0470
BH_A343 — IV 0.0063，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]80206805121515.15%0.0353
2(0.5, 1.5]3598306553314.81%0.0263
3(1.5, 2.5]2256191134515.29%0.0123
4(2.5, 5.5]4050342262815.51%0.0154
5(5.5, 7.5]1494121927518.41%-0.0176
6(7.5, inf]3571281875321.09%-0.0808
BH_A342 — IV 0.0060，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1359011526206415.19%0.0451
2(1.5, 2.5]2265193632914.53%0.0217
3(2.5, 4.5]2774233444015.86%0.0064
4(4.5, 8.5]2627209753020.18%-0.0518
5(8.5, inf]1733134738622.27%-0.0562
bh_a047 — IV 0.0058，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1465312454219915.01%0.0544
2(0.5, 2.5]3914328962515.97%0.0063
3(2.5, 5.5]1905152937619.74%-0.0353
4(5.5, 11.5]124597726821.53%-0.0369
5(11.5, inf]127299128122.09%-0.0416
BH_A353 — IV 0.0057，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1395511856209915.04%0.0518
2(1.5, 3.5]5594466792716.57%-0.0063
3(3.5, 4.5]1337107825919.37%-0.0232
4(4.5, inf]2103163946422.06%-0.0638
bh_h001 — IV 0.0056，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]74916365112615.03%0.0373
2(1.5, 2.5]6301536094114.93%0.0361
3(2.5, 3.5]4633384978416.92%-0.0129
4(3.5, inf]4571367289919.67%-0.0684
bh_a101 — IV 0.0053，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2048717296319115.58%0.0348
2(0.5, inf]2502194455822.30%-0.0765
bh_a110 — IV 0.0053，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2048717296319115.58%0.0348
2(0.5, inf]2502194455822.30%-0.0765
bh_a129 — IV 0.0053，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]4242358465815.51%0.0158
2(0.5, 1.5]5216445076614.69%0.0376
3(1.5, 4.5]80876840124715.42%0.0271
4(4.5, 6.5]2520205846218.33%-0.0265
5(6.5, inf]2924230861621.07%-0.0691
bh_h005 — IV 0.0052，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.22500000149011612]4903413476915.68%0.0137
2(0.22500000149011612, 0.5649999976158142]1159101014912.86%0.0233
3(0.5649999976158142, 0.6150000095367432]115799116614.35%0.0132
4(0.6150000095367432, 2.375]74916372111914.94%0.0401
5(2.375, 4.204999923706055]3998332966916.73%-0.0080
6(4.204999923706055, 5.494999885559082]1596129530118.86%-0.0226
7(5.494999885559082, inf]2685210957621.45%-0.0697
bh_h155 — IV 0.0052，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 15.6899995803833]1933416349298515.44%0.0405
2(15.6899995803833, 48.35999870300293]1298104924919.18%-0.0212
3(48.35999870300293, inf]2357184251521.85%-0.0675
BH_A352 — IV 0.0051，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]97218250147115.13%0.0400
2(0.5, 1.5]5911500191015.39%0.0229
3(1.5, 2.5]3244271353116.37%-0.0010
4(2.5, 3.5]1749143631317.90%-0.0153
5(3.5, inf]2364184052422.17%-0.0715
bh_a062 — IV 0.0050，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1590813436247215.54%0.0331
2(0.5, 1.5]2340199434614.79%0.0190
3(1.5, inf]4741381093119.64%-0.0696
bh_a102 — IV 0.0050，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1866715798286915.37%0.0432
2(0.5, 1.5]1989157641320.76%-0.0474
3(1.5, inf]2333186646720.02%-0.0452
bh_h011 — IV 0.0046，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.8849999904632568]1296511021194414.99%0.0519
2(1.8849999904632568, 3.140000104904175]5606466094616.87%-0.0136
3(3.140000104904175, 6.454999923706055]3113254756618.18%-0.0290
4(6.454999923706055, inf]1305101229322.45%-0.0452
bh_h004 — IV 0.0045，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.24499999731779099]64895475101415.63%0.0181
2(0.24499999731779099, 1.1449999809265137]4015342259314.77%0.0295
3(1.1449999809265137, 1.5149999856948853]2640225338714.66%0.0227
4(1.5149999856948853, 1.9049999713897705]1287112416312.67%0.0271
5(1.9049999713897705, 2.7549999952316284]2481207141016.53%-0.0028
6(2.7549999952316284, 3.334999918937683]1299108021916.86%-0.0041
7(3.334999918937683, 6.194999933242798]3158256859018.68%-0.0370
8(6.194999933242798, inf]1620124737323.02%-0.0596
bh_h002 — IV 0.0045，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.3050000071525574]1313011091203915.53%0.0307
2(0.3050000071525574, 0.8550000190734863]1759152323613.42%0.0284
3(0.8550000190734863, 0.8849999904632568]117999418515.69%0.0042
4(0.8849999904632568, 3.125]4775396780816.92%-0.0131
5(3.125, inf]2146166548122.41%-0.0688
score_dz — IV 0.0044，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 557.5]3117253058718.83%-0.0389
2(557.5, 611.0]67325517121518.05%-0.0464
3(611.0, 712.0]5874494892615.76%0.0135
4(712.0, 743.0]1304113916512.65%0.0275
5(743.0, 785.5]2167185731014.31%0.0234
6(785.5, inf]3802325554714.39%0.0354
bh_a220 — IV 0.0043，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 14.644999980926514]2445209934614.15%0.0279
2(14.644999980926514, 25.65999984741211]1226106116513.46%0.0202
3(25.65999984741211, 55.720001220703125]85907296129415.06%0.0394
4(55.720001220703125, 61.48500061035156]1964163133316.96%-0.0070
5(61.48500061035156, 68.86999893188477]3021250851316.98%-0.0103
6(68.86999893188477, 78.51499938964844]2225180442118.92%-0.0308
7(78.51499938964844, inf]3505283167419.23%-0.0493
bh_h152 — IV 0.0043，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 15.6899995803833]1314511162198315.09%0.0486
2(15.6899995803833, 67.70000076293945]83166859145717.52%-0.0368
3(67.70000076293945, inf]1528121930920.22%-0.0333
BH_A356 — IV 0.0043，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2265195031513.91%0.0292
2(0.5, 1.5]3992341657614.43%0.0359
3(1.5, 3.5]5924502989515.11%0.0302
4(3.5, 5.5]3373281056316.69%-0.0064
5(5.5, 7.5]2147176937817.61%-0.0149
6(7.5, 13.5]3082249958318.92%-0.0399
7(13.5, inf]2206176743919.90%-0.0418
bh_a211 — IV 0.0043，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 10.924999713897705]3137270343413.83%0.0393
2(10.924999713897705, 23.855000495910645]1935168724812.82%0.0373
3(23.855000495910645, 36.89500045776367]2647224040715.38%0.0128
4(36.89500045776367, 53.27499961853027]4100345464615.76%0.0106
5(53.27499961853027, 59.75]1555128926617.11%-0.0070
6(59.75, 85.47500228881836]61325028110418.00%-0.0427
7(85.47500228881836, inf]3470282964118.47%-0.0364
bh_a065 — IV 0.0042，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96558238141714.68%0.0556
2(0.5, 1.5]2103175534816.55%-0.0027
3(1.5, 2.5]1703141229117.09%-0.0074
4(2.5, 3.5]1402112427819.83%-0.0278
5(3.5, inf]81266711141517.41%-0.0332
BH_A354 — IV 0.0042，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5214442379115.17%0.0262
2(0.5, 1.5]5524472180314.54%0.0427
3(1.5, 2.5]3755315260316.06%0.0045
4(2.5, 3.5]2569214042916.70%-0.0052
5(3.5, 4.5]1793147931417.51%-0.0119
6(4.5, 5.5]120499121317.69%-0.0096
7(5.5, inf]2930233459620.34%-0.0589
bh_a066 — IV 0.0042，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]82937085120814.57%0.0545
2(0.5, 1.5]1942164829415.14%0.0124
3(1.5, 2.5]1490123125917.38%-0.0090
4(2.5, 4.5]2243181143219.26%-0.0349
5(4.5, inf]90217465155617.25%-0.0300
bh_h003 — IV 0.0042，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.2849999964237213]93897905148415.81%0.0166
2(0.2849999964237213, 0.7350000143051147]1364117818613.64%0.0209
3(0.7350000143051147, 0.7849999964237213]1260109816212.86%0.0252
4(0.7849999964237213, 2.6049998998641968]6193523695715.45%0.0221
5(2.6049998998641968, 4.724999904632568]2959241354618.45%-0.0318
6(4.724999904632568, inf]1824141041422.70%-0.0628
bh_a120 — IV 0.0040，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]4242358465815.51%0.0158
2(0.5, 3.5]70515991106015.03%0.0359
3(3.5, 4.5]1478126121714.68%0.0136
4(4.5, 6.5]2215190431114.04%0.0271
5(6.5, 9.5]2295191737816.47%-0.0020
6(9.5, 12.5]1640132431619.27%-0.0268
7(12.5, 22.5]2674214852619.67%-0.0458
8(22.5, inf]1394111128320.30%-0.0313
bh_a075 — IV 0.0040，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]82937085120814.57%0.0545
2(0.5, 1.5]5228439383515.97%0.0077
3(1.5, 2.5]3058251953917.63%-0.0202
4(2.5, 3.5]1996162736918.49%-0.0234
5(3.5, inf]4414361679818.08%-0.0356
bh_a046 — IV 0.0040，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1591113449246215.47%0.0359
2(0.5, 1.5]2562214341916.35%-0.0006
3(1.5, 3.5]2139178135816.74%-0.0049
4(3.5, inf]2377186751021.46%-0.0633
bh_a074 — IV 0.0040，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96558238141714.68%0.0556
2(0.5, 2.5]86627189147317.01%-0.0218
3(2.5, 4.5]2961242553618.10%-0.0267
4(4.5, inf]1711138832318.88%-0.0242
bh_a130 — IV 0.0040，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2006169431215.55%0.0082
2(0.5, 1.5]4390373865214.85%0.0298
3(1.5, 2.5]3331286646513.96%0.0392
4(2.5, 3.5]2559215140815.94%0.0049
5(3.5, 4.5]2046170733916.57%-0.0029
6(4.5, 8.5]5099422287717.20%-0.0199
7(8.5, inf]3558286269619.56%-0.0553
bh_a073 — IV 0.0040，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1182510043178215.07%0.0467
2(0.5, 2.5]84307005142516.90%-0.0184
3(2.5, inf]2734219254219.82%-0.0487
bh_h168 — IV 0.0039，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 9.069999694824219]99548486146814.75%0.0540
2(9.069999694824219, 40.209999084472656]4945410184417.07%-0.0167
3(40.209999084472656, 83.79000091552734]64585331112717.45%-0.0298
4(83.79000091552734, inf]1632132231019.00%-0.0243
bh_a071 — IV 0.0039，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1590813436247215.54%0.0331
2(0.5, 1.5]4762398877416.25%0.0012
3(1.5, inf]2319181650321.69%-0.0648
BH_A344 — IV 0.0038，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5214442379115.17%0.0262
2(0.5, 1.5]2981253244915.06%0.0189
3(1.5, 2.5]2219190131814.33%0.0236
4(2.5, 5.5]4236357965715.51%0.0158
5(5.5, 10.5]3538294759116.70%-0.0068
6(10.5, 14.5]1538125028818.73%-0.0208
7(14.5, inf]3263260865520.07%-0.0598
BH_A355 — IV 0.0038，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3413293148214.12%0.0371
2(0.5, 1.5]4740405568514.45%0.0403
3(1.5, 2.5]3552298057216.10%0.0035
4(2.5, 4.5]4486373974716.65%-0.0071
5(4.5, 5.5]1478122525317.12%-0.0067
6(5.5, 11.5]3863314172218.69%-0.0433
7(11.5, inf]1457116928819.77%-0.0282
bh_h010 — IV 0.0037，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.9700000286102295]1399811871212715.20%0.0455
2(0.9700000286102295, 2.2350000143051147]3056253851816.95%-0.0099
3(2.2350000143051147, 3.875]2720224947117.32%-0.0141
4(3.875, 5.484999895095825]1961161334817.75%-0.0153
5(5.484999895095825, inf]125496928522.73%-0.0456
bh_h013 — IV 0.0037，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5850000381469727]76806460122015.89%0.0124
2(1.5850000381469727, 1.6649999618530273]2432210332913.53%0.0360
3(1.6649999618530273, 1.774999976158142]2312195835415.31%0.0123
4(1.774999976158142, 3.8700000047683716]4672393174115.86%0.0095
5(3.8700000047683716, 5.305000066757202]1819151330616.82%-0.0051
6(5.305000066757202, inf]4074327579919.61%-0.0621
bh_a064 — IV 0.0037，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1182510043178215.07%0.0467
2(0.5, 1.5]2438204339516.20%0.0014
3(1.5, 2.5]1885156631916.92%-0.0063
4(2.5, 10.5]5400443496617.89%-0.0366
5(10.5, inf]1441115428719.92%-0.0292
BH_A341 — IV 0.0037，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1677614186259015.44%0.0383
2(1.5, 2.5]1915160431116.24%0.0007
3(2.5, 4.5]2249182242718.99%-0.0318
4(4.5, inf]2049162842120.55%-0.0463
bh_a131 — IV 0.0036，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]6833585298114.36%0.0543
2(2.5, 3.5]2426205337315.38%0.0120
3(3.5, 4.5]1974165731716.06%0.0027
4(4.5, 5.5]1620134927116.73%-0.0038
5(5.5, 8.5]3709307863117.01%-0.0125
6(8.5, 10.5]1675138129417.55%-0.0116
7(10.5, 16.5]2844233650817.86%-0.0224
8(16.5, inf]1908153437419.60%-0.0340
bh_a128 — IV 0.0036，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]113149597171715.18%0.0417
2(1.5, 2.5]3631307156015.42%0.0156
3(2.5, 3.5]2479208639315.85%0.0059
4(3.5, 4.5]1685139828717.03%-0.0068
5(4.5, 5.5]1254101723718.90%-0.0186
6(5.5, 7.5]1387110528220.33%-0.0314
7(7.5, inf]123996627322.03%-0.0403
bh_h160 — IV 0.0035，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 11.444999694824219]109229284163815.00%0.0475
2(11.444999694824219, 30.5]1569131725216.06%0.0022
3(30.5, 48.88999938964844]4022334168116.93%-0.0118
4(48.88999938964844, 84.41500091552734]5141421992217.93%-0.0364
5(84.41500091552734, inf]1335107925619.18%-0.0217
bh_h007 — IV 0.0035，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.0049999952316284]4329368264714.95%0.0276
2(1.0049999952316284, 1.2649999856948853]1610137823214.41%0.0172
3(1.2649999856948853, 1.7450000047683716]1941170823312.00%0.0463
4(1.7450000047683716, 2.8049999475479126]3556297558116.34%-0.0005
5(2.8049999475479126, 5.4649999141693115]5427452090716.71%-0.0095
6(5.4649999141693115, 6.644999980926514]1434117525918.06%-0.0142
7(6.644999980926514, 13.824999809265137]3526286765918.69%-0.0404
8(13.824999809265137, inf]116693523119.81%-0.0235
bh_h006 — IV 0.0035，8 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.20499999821186066]2513211639715.80%0.0067
2(0.20499999821186066, 1.125]4137351961814.94%0.0268
3(1.125, 1.4450000524520874]2059176529414.28%0.0228
4(1.4450000524520874, 1.7949999570846558]1520132219813.03%0.0284
5(1.7949999570846558, 2.5649999380111694]2546213441216.18%0.0017
6(2.5649999380111694, 4.365000009536743]4262356469816.38%-0.0014
7(4.365000009536743, 6.930000066757202]3167258957818.25%-0.0304
8(6.930000066757202, inf]2785223155419.89%-0.0504
bh_a132 — IV 0.0035，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]2038171032816.09%0.0024
2(1.5, 2.5]2563220835513.85%0.0332
3(2.5, 5.5]5732489583714.60%0.0422
4(5.5, 10.5]5425452290316.65%-0.0079
5(10.5, 13.5]2042169035217.24%-0.0102
6(13.5, 22.5]3056250155518.16%-0.0282
7(22.5, inf]2133171441919.64%-0.0378
bh_a063 — IV 0.0034，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1696614341262515.47%0.0370
2(1.5, 4.5]3666301665017.73%-0.0250
3(4.5, inf]2357188347420.11%-0.0467
bh_qu010 — IV 0.0033，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 49.5]5891497491715.57%0.0215
2(49.5, 52.0]113599913611.98%0.0317
3(52.0, 73.5]5092430179115.53%0.0203
4(73.5, 78.5]1487125223515.80%0.0052
5(78.5, 89.5]4088335972917.83%-0.0294
6(89.5, inf]3290266162919.12%-0.0470
bh_a061 — IV 0.0032，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1805915234282515.64%0.0301
2(0.5, 1.5]2186182236416.65%-0.0040
3(1.5, inf]2744218456020.41%-0.0568
bh_a070 — IV 0.0032，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1805915234282515.64%0.0301
2(0.5, inf]4930400692418.74%-0.0526
bh_a055 — IV 0.0032，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1591113449246215.47%0.0359
2(0.5, 1.5]4245355469116.28%0.0006
3(1.5, 2.5]124698626020.87%-0.0323
4(2.5, inf]1587125133621.17%-0.0426
BH_A340 — IV 0.0031，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1586613396247015.57%0.0318
2(0.5, 1.5]3547298156615.96%0.0061
3(1.5, 2.5]1346110124518.20%-0.0145
4(2.5, inf]2230176246820.99%-0.0547
bh_a118 — IV 0.0030，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1270410756194815.33%0.0380
2(1.5, 2.5]2458207038815.79%0.0068
3(2.5, 3.5]1849155029916.17%0.0014
4(3.5, 4.5]1465122124416.66%-0.0029
5(4.5, 9.5]3222263059218.37%-0.0328
6(9.5, inf]1291101327821.53%-0.0382
BH_A351 — IV 0.0030，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1265010692195815.48%0.0322
2(0.5, 1.5]5683477590815.98%0.0080
3(1.5, 2.5]2498207142717.09%-0.0102
4(2.5, inf]2158170245621.13%-0.0548
BH_A345 — IV 0.0030，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3413293148214.12%0.0371
2(0.5, 2.5]4063346060314.84%0.0283
3(2.5, 9.5]69765857111916.04%0.0074
4(9.5, 18.5]3671304662517.03%-0.0127
5(18.5, 28.5]1995162537018.55%-0.0241
6(28.5, inf]2871232155019.16%-0.0411
bh_a179 — IV 0.0030，6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.3399999141693115]5871495192015.67%0.0237
2(2.3399999141693115, 6.81000018119812]113896517315.20%0.0098
3(6.81000018119812, 11.849999904632568]1978171226613.45%0.0366
4(11.849999904632568, 15.119999885559082]1345113321215.76%0.0067
5(15.119999885559082, 57.31999969482422]78326437139517.81%-0.0382
6(57.31999969482422, inf]2560209246818.28%-0.0243
bh_a045 — IV 0.0030，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1748014739274115.68%0.0280
2(0.5, 2.5]3608301859016.35%-0.0008
3(2.5, inf]1901148341821.99%-0.0579
bh_a117 — IV 0.0030，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1644213901254115.45%0.0373
2(1.5, 2.5]2221184937216.75%-0.0052
3(2.5, 3.5]1337110423317.43%-0.0085
4(3.5, 5.5]1616130730919.12%-0.0252
5(5.5, inf]1373107929421.41%-0.0394
bh_h161 — IV 0.0029，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 11.444999694824219]1684814234261415.52%0.0349
2(11.444999694824219, 48.88999938964844]4265350875717.75%-0.0283
3(48.88999938964844, inf]1876149837820.15%-0.0390
BH_A350 — IV 0.0029，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1586613396247015.57%0.0318
2(0.5, 1.5]4694391378116.64%-0.0070
3(1.5, inf]2429193149820.50%-0.0527
bh_a121 — IV 0.0029，7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2006169431215.55%0.0082
2(0.5, 3.5]5698482587315.32%0.0242
3(3.5, 4.5]1328114818013.55%0.0210
4(4.5, 10.5]5089430178815.48%0.0186
5(10.5, 13.5]1588133525315.93%0.0033
6(13.5, 26.5]3989327671317.87%-0.0293
7(26.5, inf]3291266163019.14%-0.0455
bh_h012 — IV 0.0029，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.7549999952316284]95217975154616.24%0.0023
2(1.7549999952316284, 1.8199999928474426]2987258540213.46%0.0437
3(1.8199999928474426, 4.025000095367432]64615444101715.74%0.0150
4(4.025000095367432, 6.4049999713897705]2269185341618.33%-0.0243
5(6.4049999713897705, inf]1751138336821.02%-0.0449
bh_a100 — IV 0.0029，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2111317779333415.79%0.0247
2(0.5, inf]1876146141522.12%-0.0586
bh_a109 — IV 0.0029，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2111317779333415.79%0.0247
2(0.5, inf]1876146141522.12%-0.0586

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 — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1378811822196614.26%0.0842
2(0.5, 1.5]2853226958420.47%-0.0594
3(1.5, 7.5]51574155100219.43%-0.0692
4(7.5, inf]119199419716.54%-0.0016
bh_a113 — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1378811822196614.26%0.0842
2(0.5, 1.5]54194385103419.08%-0.0637
3(1.5, 2.5]2010161139919.85%-0.0381
4(2.5, inf]1772142235019.75%-0.0333
ScoreCust1 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 569.5]1425100542029.47%-0.0885
2(569.5, 622.5]2437177366427.25%-0.1158
3(622.5, 665.5]2864222763722.24%-0.0708
4(665.5, 689.5]1803143836520.24%-0.0311
5(689.5, 747.5]54264414101218.65%-0.0415
6(747.5, 784.5]3570307249813.95%0.0428
7(784.5, 833.5]3866341245411.74%0.0836
8(833.5, 857.5]144013351057.29%0.0689
9(857.5, 887.5]165615471096.58%0.0844
10(887.5, inf]14991432674.47%0.0937
ScoreCust2 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 550.5]1685118050529.97%-0.1062
2(550.5, 603.5]2533184868527.04%-0.1173
3(603.5, 684.5]52374140109720.95%-0.0861
4(684.5, 738.5]4508366384518.74%-0.0381
5(738.5, 786.5]4027343559214.70%0.0339
6(786.5, 803.5]1350119715311.33%0.0366
7(803.5, 839.5]230620812259.76%0.0769
8(839.5, 866.5]13511256957.03%0.0668
9(866.5, 920.5]16841602824.87%0.1008
10(920.5, inf]13051253523.98%0.0858
dxm_2025v2 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 365.5]130893337528.67%-0.0771
2(365.5, 379.5]2952220175125.44%-0.1127
3(379.5, 386.5]2317179552222.53%-0.0626
4(386.5, 394.5]3171255461719.46%-0.0389
5(394.5, 400.5]2703221448918.09%-0.0176
6(400.5, 412.5]5271447579615.10%0.0329
7(412.5, 419.5]2386207830812.91%0.0426
8(419.5, 429.5]2276202625010.98%0.0623
9(429.5, 444.5]178016291518.48%0.0727
10(444.5, inf]18221750723.95%0.1171
score92663 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 31.45044994354248]14761429473.18%0.1030
2(31.45044994354248, 37.38999938964844]215519791768.17%0.0900
3(37.38999938964844, 39.962650299072266]134512151309.67%0.0482
4(39.962650299072266, 42.10270118713379]1307115215511.86%0.0320
5(42.10270118713379, 47.31664848327637]3830332051013.32%0.0557
6(47.31664848327637, 53.08215141296387]4476374273416.40%0.0043
7(53.08215141296387, 57.89995002746582]3824310372118.85%-0.0362
8(57.89995002746582, 60.136199951171875]1670131335721.38%-0.0387
9(60.136199951171875, 67.49970245361328]3851294590623.53%-0.1102
10(67.49970245361328, inf]1879132255729.64%-0.1148
model_risk_v9_stongyong_score — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 28.5]14391390493.41%0.0989
2(28.5, 38.5]340331242798.20%0.1327
3(38.5, 44.5]3982353145111.33%0.0931
4(44.5, 46.5]1646141722913.91%0.0223
5(46.5, 49.5]2618221140715.55%0.0132
6(49.5, 51.5]1710142428616.73%-0.0008
7(51.5, 54.5]2579209048918.96%-0.0277
8(54.5, 59.5]3605281479121.94%-0.0814
9(59.5, 64.5]2565194062524.37%-0.0898
10(64.5, inf]2273158568830.27%-0.1406
model_risk_v9_sxiaojin_score — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 29.5]16511586653.94%0.1076
2(29.5, 36.5]262024112097.98%0.1092
3(36.5, 42.5]4462395450811.39%0.1005
4(42.5, 46.5]3835328555014.34%0.0383
5(46.5, 48.5]2103176433916.12%0.0052
6(48.5, 50.5]1928158933917.58%-0.0089
7(50.5, 53.5]2664212953520.08%-0.0420
8(53.5, 58.5]3300252078023.64%-0.0995
9(58.5, 62.5]1707123547227.65%-0.0901
10(62.5, inf]1550105349732.06%-0.1149
model_1034467 — 9 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.07106450200080872]242522841415.81%0.1326
2(0.07106450200080872, 0.07795150205492973]1981176521610.90%0.0574
3(0.07795150205492973, 0.08759349957108498]3061271234911.40%0.0758
4(0.08759349957108498, 0.09358850121498108]1934166826613.75%0.0278
5(0.09358850121498108, 0.10140899941325188]2724226945516.70%-0.0014
6(0.10140899941325188, 0.11890449747443199]4162336679619.13%-0.0451
7(0.11890449747443199, 0.16479599475860596]53864325106119.70%-0.0663
8(0.16479599475860596, 0.20841799676418304]2019151850124.81%-0.0806
9(0.20841799676418304, inf]124889535328.29%-0.0750
model_1034468 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.07161249965429306]16311542895.46%0.0961
2(0.07161249965429306, 0.07378850132226944]132112141078.10%0.0600
3(0.07378850132226944, 0.07850050181150436]2381208829312.31%0.0505
4(0.07850050181150436, 0.08752300217747688]3230275048014.86%0.0260
5(0.08752300217747688, 0.09734249860048294]3353281154216.16%0.0066
6(0.09734249860048294, 0.11911049857735634]4682385982317.58%-0.0193
7(0.11911049857735634, 0.14082950353622437]3075248958619.06%-0.0348
8(0.14082950353622437, 0.1581215038895607]1752137937321.29%-0.0413
9(0.1581215038895607, 0.1907384991645813]1877145542222.48%-0.0547
10(0.1907384991645813, inf]1638121542325.82%-0.0755
score_50021 — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.005050000036135316]17931710834.63%0.1111
2(0.005050000036135316, 0.007250000024214387]205518821738.42%0.0849
3(0.007250000024214387, 0.009150000289082527]1992178221010.54%0.0608
4(0.009150000289082527, 0.012349999975413084]3480302945112.96%0.0582
5(0.012349999975413084, 0.015250000171363354]3098264045814.78%0.0265
6(0.015250000171363354, 0.01674999948590994]1509126724216.04%0.0046
7(0.01674999948590994, 0.02114999946206808]3588294464417.95%-0.0206
8(0.02114999946206808, 0.027050000615417957]3201247972222.56%-0.0834
9(0.027050000615417957, 0.03645000047981739]2548193661224.02%-0.0862
10(0.03645000047981739, inf]2170153263829.40%-0.1285
zszs_xy_score — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 681.5]1486110038625.98%-0.0686
2(681.5, 689.5]1721129143024.99%-0.0698
3(689.5, 696.5]2122165746521.91%-0.0533
4(696.5, 704.5]3281265862318.99%-0.0344
5(704.5, 707.5]1507124126617.65%-0.0078
6(707.5, 710.5]1532126426817.49%-0.0067
7(710.5, 716.5]2919246545415.55%0.0144
8(716.5, 730.5]5793494285114.69%0.0441
9(730.5, 749.5]3872345841410.69%0.1029
10(749.5, inf]137612761007.27%0.0670
xmf_v11xj — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 385.5]1754136538922.18%-0.0471
2(385.5, 397.5]2559201654321.22%-0.0537
3(397.5, 414.5]60064864114219.01%-0.0533
4(414.5, 425.5]4002328471817.94%-0.0219
5(425.5, 438.5]3433285657716.81%-0.0024
6(438.5, 445.5]1531130522614.76%0.0146
7(445.5, 455.5]1785155523012.89%0.0335
8(455.5, 466.5]1696149420211.91%0.0404
9(466.5, 480.5]1538137316510.73%0.0463
10(480.5, inf]13931306876.25%0.0752
bh_CO4001score — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 34.5]15931507865.40%0.0914
2(34.5, 37.5]163314891448.82%0.0645
3(37.5, 39.5]1747155219511.16%0.0477
4(39.5, 41.5]2159186029913.85%0.0292
5(41.5, 43.5]2574220636814.30%0.0285
6(43.5, 45.5]2704228142315.64%0.0128
7(45.5, 47.5]2836237146516.40%0.0035
8(47.5, 50.5]4026328674018.38%-0.0289
9(50.5, 55.5]46793598108123.10%-0.1180
10(55.5, inf]2032150253026.08%-0.0890
PY083P — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 542.5]2278167560326.47%-0.1029
2(542.5, 570.5]2426183659024.32%-0.0853
3(570.5, 582.5]1483115732621.98%-0.0393
4(582.5, 599.5]2459196449520.13%-0.0399
5(599.5, 617.5]3121256755417.75%-0.0157
6(617.5, 657.5]6327536396415.24%0.0334
7(657.5, 668.5]1345117217312.86%0.0258
8(668.5, 699.5]2688237431411.68%0.0628
9(699.5, 730.5]1645147417110.40%0.0517
10(730.5, inf]205419501045.06%0.1192
risk_v8_slowirr — 10 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 17.5]13951354412.94%0.0996
2(17.5, 27.5]264324352087.87%0.1115
3(27.5, 31.5]1424127614810.39%0.0454
4(31.5, 35.5]1611142618511.48%0.0418
5(35.5, 45.5]4696401967714.42%0.0432
6(45.5, 54.5]4335356976617.67%-0.0187
7(54.5, 60.5]2863231554819.14%-0.0325
8(60.5, 63.5]1363107928420.84%-0.0287
9(63.5, 72.5]3381256881324.05%-0.1071
10(72.5, inf]2102147962329.64%-0.1260
mobile_fixed_grade — 7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.5]4263353073317.19%-0.0102
2(4.5, 5.5]1716138932719.06%-0.0204
3(5.5, 6.5]3008238961920.58%-0.0529
4(6.5, 7.5]58514733111819.11%-0.0548
5(7.5, 8.5]4651389975216.17%0.0087
6(8.5, 9.5]4407385755012.48%0.0779
7(9.5, inf]2001179520610.29%0.0624
adr_stability_grade — 7 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]73855728165722.44%-0.1452
2(2.5, 5.5]3343270563819.08%-0.0360
3(5.5, 6.5]2546211742916.85%-0.0027
4(6.5, 7.5]3932333160115.28%0.0227
5(7.5, 8.5]3117271740012.83%0.0540
6(8.5, 9.5]3243287736611.29%0.0792
7(9.5, inf]233121172149.18%0.0843
have_car_prob_grade — 2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1546812453301519.49%-0.1087
2(1.5, inf]104299139129012.37%0.1437
tot_pay_amt_6m_grade — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]89827029195321.74%-0.1443
2(1.5, 2.5]3512292159116.83%-0.0031
3(2.5, 3.5]2438207336514.97%0.0190
4(3.5, 5.5]5348462072813.61%0.0649
5(5.5, 6.5]1418123818012.69%0.0283
6(6.5, inf]4199371148811.62%0.0911
first_loan_length_grade — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.5]46753547112824.13%-0.1373
2(4.5, 5.5]1862146839421.16%-0.0406
3(5.5, 6.5]2456197248419.71%-0.0351
4(6.5, inf]1690414605229913.60%0.1290
avg_bal_6m_grade — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1270310084261920.62%-0.1367
2(1.5, 3.5]3378286651215.16%0.0220
3(3.5, 7.5]6993611288112.60%0.1054
4(7.5, inf]2821253029110.32%0.0837
repay_amt_6m_grade — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1290510199270620.97%-0.1490
2(1.5, 3.5]2901239750417.37%-0.0099
3(3.5, 4.5]1784150827615.47%0.0101
4(4.5, 5.5]2679232435513.25%0.0423
5(5.5, 6.5]235621262309.76%0.0782
6(6.5, inf]327230382347.15%0.1448
positive_biz_cnt_1y_grade — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]73465806154020.96%-0.1093
2(1.5, 5.5]3864312374119.18%-0.0418
3(5.5, 9.5]1717144527215.84%0.0066
4(9.5, inf]1297011218175213.51%0.1170
risk_score — 6 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]625858304286.84%0.2504
2(1.5, 2.5]87807496128414.62%0.0595
3(2.5, 3.5]4851386998220.24%-0.0696
4(3.5, 4.5]2864215071424.93%-0.1049
5(4.5, 5.5]1550111943127.81%-0.0839
6(5.5, inf]1594112846629.23%-0.0966
cust_seg2 — 3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]587253255479.32%0.1745
2(2.5, 3.5]1345211295215716.03%0.0218
3(3.5, inf]65734972160124.36%-0.1773
dev_stability_grade2 — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]3140273340712.96%0.0525
2(1.5, 2.5]106569068158814.90%0.0571
3(2.5, 3.5]65665405116117.68%-0.0255
4(3.5, inf]55354386114920.76%-0.0868
repayment_ability_rank2 — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]2660237628410.68%0.0750
2(1.5, 2.5]7041604699514.13%0.0647
3(2.5, 3.5]93767724165217.62%-0.0299
4(3.5, inf]68205446137420.15%-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 30，IV 阈值 0.01）

变量名是否入模IV缺失率<90%IV≥阈值缺失率备注
risk_scoreY0.0654PASSPASS0.34%WOE不单调
cust_seg2Y0.0464PASSPASS0.34%
model_risk_v9_stongyong_scoreY0.0437PASSPASS0.64%WOE不单调
model_risk_v9_sxiaojin_scoreY0.0407PASSPASS0.64%WOE不单调
repay_amt_6m_gradeY0.0405PASSPASS0.34%
ScoreCust2Y0.0382PASSPASS0.00%WOE不单调
score_50021Y0.0349PASSPASS2.12%
ScoreCust1Y0.0345PASSPASS0.00%WOE不单调
risk_v8_slowirrY0.0344PASSPASS0.67%WOE不单调
first_loan_length_gradeY0.0335PASSPASS0.34%
avg_bal_6m_gradeY0.0321PASSPASS0.35%WOE不单调
score92663Y0.0318PASSPASS0.67%WOE不单调
have_car_prob_gradeY0.0312PASSPASS0.34%
dxm_2025v2Y0.0294PASSPASS0.00%WOE不单调
adr_stability_gradeY0.0282PASSPASS0.34%
model_1034467Y0.0275PASSPASS4.03%WOE不单调
tot_pay_amt_6m_gradeY0.0274PASSPASS0.34%WOE不单调
PY083PY0.0258PASSPASS0.62%WOE不单调
bh_CO4001scoreY0.0243PASSPASS0.01%WOE不单调
positive_biz_cnt_1y_gradeY0.0241PASSPASS0.34%
zszs_xy_scoreY0.0186PASSPASS1.45%WOE不单调
model_1034468Y0.0160PASSPASS4.03%
bh_a104Y0.0134PASSPASS11.53%WOE不单调
repayment_ability_rank2Y0.0130PASSPASS0.34%
bh_a113Y0.0122PASSPASS11.53%WOE不单调
xmf_v11xjY0.0114PASSPASS1.11%WOE不单调
dev_stability_grade2Y0.0106PASSPASS0.34%WOE不单调
mobile_fixed_gradeY0.0105PASSPASS0.34%WOE不单调
last_6m_avg_asset_total_gradeN0.0097PASSFAIL0.34%
bh_h171N0.0084PASSFAIL11.53%WOE不单调
bh_h163N0.0081PASSFAIL11.53%
bh_a112N0.0077PASSFAIL11.53%WOE不单调
have_fang_prob_gradeN0.0076PASSFAIL0.34%
bh_a103N0.0071PASSFAIL11.53%WOE不单调
bh_a119N0.0069PASSFAIL11.53%WOE不单调
bh_a111N0.0068PASSFAIL11.53%
bh_a056N0.0065PASSFAIL11.53%WOE不单调
BH_A343N0.0063PASSFAIL11.53%WOE不单调
BH_A342N0.0060PASSFAIL11.53%
bh_a047N0.0058PASSFAIL11.53%
BH_A353N0.0057PASSFAIL11.53%
bh_h001N0.0056PASSFAIL11.51%
bh_a101N0.0053PASSFAIL11.53%
bh_a110N0.0053PASSFAIL11.53%
bh_a129N0.0053PASSFAIL11.53%WOE不单调
bh_h005N0.0052PASSFAIL11.53%WOE不单调
bh_h155N0.0052PASSFAIL11.53%
BH_A352N0.0051PASSFAIL11.53%
bh_a062N0.0050PASSFAIL11.53%
bh_a102N0.0050PASSFAIL11.53%WOE不单调
bh_h011N0.0046PASSFAIL11.53%
bh_h004N0.0045PASSFAIL11.53%WOE不单调
bh_h002N0.0045PASSFAIL11.53%
score_dzN0.0044PASSFAIL11.51%WOE不单调
bh_a220N0.0043PASSFAIL11.58%WOE不单调
bh_h152N0.0043PASSFAIL11.53%WOE不单调
BH_A356N0.0043PASSFAIL11.53%WOE不单调
bh_a211N0.0043PASSFAIL11.58%WOE不单调
bh_a065N0.0042PASSFAIL11.53%
BH_A354N0.0042PASSFAIL11.53%WOE不单调
bh_a066N0.0042PASSFAIL11.53%WOE不单调
bh_h003N0.0042PASSFAIL11.53%WOE不单调
bh_a120N0.0040PASSFAIL11.53%WOE不单调
bh_a075N0.0040PASSFAIL11.53%
bh_a046N0.0040PASSFAIL11.53%
bh_a074N0.0040PASSFAIL11.53%WOE不单调
bh_a130N0.0040PASSFAIL11.53%WOE不单调
bh_a073N0.0040PASSFAIL11.53%
bh_h168N0.0039PASSFAIL11.53%WOE不单调
bh_a071N0.0039PASSFAIL11.53%
BH_A344N0.0038PASSFAIL11.53%WOE不单调
BH_A355N0.0038PASSFAIL11.53%WOE不单调
bh_h010N0.0037PASSFAIL11.53%
bh_h013N0.0037PASSFAIL11.53%WOE不单调
bh_a064N0.0037PASSFAIL11.53%WOE不单调
BH_A341N0.0037PASSFAIL11.53%
bh_a131N0.0036PASSFAIL11.53%WOE不单调
bh_a128N0.0036PASSFAIL11.53%
bh_h160N0.0035PASSFAIL11.53%WOE不单调
bh_h007N0.0035PASSFAIL11.53%WOE不单调
bh_h006N0.0035PASSFAIL11.53%WOE不单调
bh_a132N0.0035PASSFAIL11.53%WOE不单调
bh_a063N0.0034PASSFAIL11.53%
bh_qu010N0.0033PASSFAIL19.25%WOE不单调
bh_a061N0.0032PASSFAIL11.53%
bh_a070N0.0032PASSFAIL11.53%
bh_a055N0.0032PASSFAIL11.53%
BH_A340N0.0031PASSFAIL11.53%
bh_a118N0.0030PASSFAIL11.53%
BH_A351N0.0030PASSFAIL11.53%
BH_A345N0.0030PASSFAIL11.53%
bh_a179N0.0030PASSFAIL20.25%WOE不单调
bh_a045N0.0030PASSFAIL11.53%
bh_a117N0.0030PASSFAIL11.53%
bh_h161N0.0029PASSFAIL11.53%
BH_A350N0.0029PASSFAIL11.53%
bh_a121N0.0029PASSFAIL11.53%WOE不单调
bh_h012N0.0029PASSFAIL11.53%WOE不单调
bh_a100N0.0029PASSFAIL11.53%
bh_a109N0.0029PASSFAIL11.53%
bh_h144N0.0029PASSFAIL11.53%
bh_a126N0.0029PASSFAIL11.53%
bh_h009N0.0027PASSFAIL11.53%
bh_a083N0.0027PASSFAIL11.53%WOE不单调
bh_a178N0.0027PASSFAIL20.25%WOE不单调
BH_A346N0.0027PASSFAIL11.53%WOE不单调
bh_a127N0.0027PASSFAIL11.53%WOE不单调
bh_a081N0.0026PASSFAIL11.53%
bh_h169N0.0026PASSFAIL11.53%WOE不单调
bh_a210N0.0026PASSFAIL14.07%
bh_a072N0.0026PASSFAIL11.53%
bh_a054N0.0026PASSFAIL11.53%
bh_a069N0.0025PASSFAIL11.53%
bh_h147N0.0024PASSFAIL11.53%
bh_h167N0.0024PASSFAIL11.53%
bh_a177N0.0024PASSFAIL20.25%WOE不单调
bh_a053N0.0024PASSFAIL11.53%
bh_a160N0.0024PASSFAIL18.86%WOE不单调
BH_A285N0.0023PASSFAIL11.53%
bh_a219N0.0023PASSFAIL14.07%WOE不单调
BH_A295N0.0023PASSFAIL11.53%WOE不单调
bh_a209N0.0023PASSFAIL19.25%WOE不单调
bh_a052N0.0023PASSFAIL11.53%
BH_A286N0.0023PASSFAIL11.53%
bh_a044N0.0022PASSFAIL11.53%
bh_a082N0.0022PASSFAIL11.53%WOE不单调
bh_h008N0.0022PASSFAIL11.53%
BH_A388N0.0022PASSFAIL11.53%
bh_a085N0.0022PASSFAIL11.53%WOE不单调
BH_A284N0.0022PASSFAIL11.53%
bh_a125N0.0022PASSFAIL11.53%
BH_A390N0.0022PASSFAIL11.53%WOE不单调
bh_a116N0.0021PASSFAIL11.53%
BH_A339N0.0021PASSFAIL11.53%
bh_h159N0.0020PASSFAIL11.53%WOE不单调
bh_a218N0.0020PASSFAIL19.25%WOE不单调
bh_h151N0.0020PASSFAIL11.53%
bh_h123N0.0020PASSFAIL11.53%WOE不单调
bh_h153N0.0020PASSFAIL11.53%
BH_A292N0.0020PASSFAIL11.53%
BH_A349N0.0019PASSFAIL11.53%
bh_a043N0.0019PASSFAIL11.53%
bh_h106N0.0019PASSFAIL11.53%WOE不单调
BH_A294N0.0019PASSFAIL11.53%WOE不单调
BH_A389N0.0019PASSFAIL11.53%
bh_a122N0.0019PASSFAIL11.53%WOE不单调
bh_h162N0.0018PASSFAIL11.53%WOE不单调
bh_h107N0.0018PASSFAIL11.53%WOE不单调
BH_A383N0.0018PASSFAIL11.53%WOE不单调
bh_a060N0.0018PASSFAIL11.53%
ovd_order_amt_6m_gradeN0.0018PASSFAIL0.34%WOE不单调
bh_a005N0.0017PASSFAIL11.53%
BH_A282N0.0017PASSFAIL11.53%
bh_a016N0.0017PASSFAIL11.53%WOE不单调
BH_A381N0.0017PASSFAIL11.53%
BH_A392N0.0017PASSFAIL11.53%WOE不单调
bh_a019N0.0017PASSFAIL19.15%WOE不单调
bh_h143N0.0016PASSFAIL11.53%
bh_h122N0.0016PASSFAIL11.53%WOE不单调
BH_A296N0.0016PASSFAIL11.53%
bh_a006N0.0016PASSFAIL11.53%WOE不单调
bh_a199N0.0015PASSFAIL20.25%
bh_a018N0.0015PASSFAIL11.53%WOE不单调
bh_h145N0.0015PASSFAIL11.53%
bh_a123N0.0015PASSFAIL11.53%WOE不单调
bh_a042N0.0015PASSFAIL11.53%
bh_a051N0.0015PASSFAIL11.53%
BH_A391N0.0015PASSFAIL11.53%WOE不单调
BH_A380N0.0015PASSFAIL11.53%
bh_a015N0.0014PASSFAIL11.53%WOE不单调
bh_a181N0.0014PASSFAIL20.25%WOE不单调
bh_a007N0.0014PASSFAIL11.53%WOE不单调
bh_h118N0.0014PASSFAIL11.53%WOE不单调
bh_h139N0.0014PASSFAIL11.53%WOE不单调
bh_h131N0.0014PASSFAIL11.53%
bh_a059N0.0014PASSFAIL11.53%
bh_a068N0.0014PASSFAIL11.53%
bh_a124N0.0014PASSFAIL11.53%
BH_A382N0.0014PASSFAIL11.53%WOE不单调
bh_h136N0.0013PASSFAIL11.53%
bh_h137N0.0013PASSFAIL11.53%
bh_h085N0.0013PASSFAIL11.53%
bh_h117N0.0013PASSFAIL11.53%
bh_h114N0.0013PASSFAIL11.53%
bh_h115N0.0013PASSFAIL11.53%
bh_h110N0.0013PASSFAIL11.53%WOE不单调
bh_a198N0.0013PASSFAIL20.25%WOE不单调
BH_A297N0.0013PASSFAIL11.53%
bh_h101N0.0013PASSFAIL11.53%
bh_h170N0.0013PASSFAIL11.53%WOE不单调
bh_h130N0.0012PASSFAIL11.53%
bh_a090N0.0012PASSFAIL11.53%WOE不单调
bh_a159N0.0012PASSFAIL11.53%WOE不单调
bh_h091N0.0012PASSFAIL11.53%
bh_h100N0.0012PASSFAIL11.53%
bh_h134N0.0012PASSFAIL11.53%WOE不单调
bh_a009N0.0012PASSFAIL11.53%WOE不单调
bh_a080N0.0012PASSFAIL11.53%
BH_A283N0.0012PASSFAIL11.53%WOE不单调
BH_A287N0.0012PASSFAIL11.53%
bh_a115N0.0012PASSFAIL11.53%
bh_a200N0.0012PASSFAIL20.25%WOE不单调
bh_a094N0.0012PASSFAIL11.53%WOE不单调
bh_h090N0.0011PASSFAIL11.53%
bh_a201N0.0011PASSFAIL20.25%WOE不单调
bh_a084N0.0011PASSFAIL11.53%WOE不单调
bh_h133N0.0011PASSFAIL11.53%
bh_a089N0.0011PASSFAIL11.53%
BH_A324N0.0011PASSFAIL11.53%
bh_a099N0.0011PASSFAIL11.53%
bh_a108N0.0011PASSFAIL11.53%
BH_A325N0.0010PASSFAIL11.53%WOE不单调
bh_a004N0.0010PASSFAIL11.53%WOE不单调
bh_h116N0.0010PASSFAIL11.53%
bh_h138N0.0010PASSFAIL11.53%WOE不单调
BH_A384N0.0010PASSFAIL11.53%WOE不单调
bh_h132N0.0010PASSFAIL11.53%
bh_a017N0.0010PASSFAIL11.53%WOE不单调
BH_A332N0.0009PASSFAIL11.53%WOE不单调
bh_h084N0.0009PASSFAIL11.53%
bh_a180N0.0009PASSFAIL20.25%WOE不单调
BH_A298N0.0009PASSFAIL11.53%WOE不单调
bh_h157N0.0009PASSFAIL11.53%WOE不单调
bh_a041N0.0009PASSFAIL11.53%
bh_a050N0.0009PASSFAIL11.53%
BH_A291N0.0009PASSFAIL11.53%
bh_a202N0.0008PASSFAIL20.25%WOE不单调
BH_A331N0.0008PASSFAIL11.53%
BH_A338N0.0008PASSFAIL11.53%
BH_A348N0.0008PASSFAIL11.53%
BH_A293N0.0008PASSFAIL11.53%
BH_A387N0.0008PASSFAIL11.53%
bh_h094N0.0008PASSFAIL11.53%WOE不单调
BH_A335N0.0008PASSFAIL11.53%WOE不单调
bh_a014N0.0008PASSFAIL11.53%
ovd_order_days_6m_gradeN0.0007PASSFAIL0.34%
bh_a003N0.0007PASSFAIL11.53%
BH_A229N0.0007PASSFAIL11.53%WOE不单调
BH_A327N0.0007PASSFAIL11.53%WOE不单调
BH_A288N0.0007PASSFAIL11.53%WOE不单调
bh_h074N0.0007PASSFAIL11.53%WOE不单调
BH_A240N0.0007PASSFAIL11.53%WOE不单调
bh_a012N0.0007PASSFAIL11.53%
bh_h075N0.0007PASSFAIL11.53%WOE不单调
BH_A281N0.0007PASSFAIL11.53%
bh_h150N0.0006PASSFAIL11.53%
BH_A323N0.0006PASSFAIL11.53%
BH_A378N0.0006PASSFAIL11.53%
BH_A386N0.0006PASSFAIL11.53%
BH_A379N0.0006PASSFAIL11.53%
BH_A326N0.0006PASSFAIL11.53%WOE不单调
bh_a008N0.0006PASSFAIL11.53%
bh_a079N0.0006PASSFAIL11.53%
bh_a088N0.0006PASSFAIL11.53%
bh_h102N0.0006PASSFAIL11.53%WOE不单调
bh_h126N0.0006PASSFAIL11.53%WOE不单调
bh_h146N0.0006PASSFAIL11.53%
BH_X006N0.0006PASSFAIL11.51%
BH_X078N0.0006PASSFAIL11.51%
bh_h120N0.0006PASSFAIL11.53%
bh_h121N0.0006PASSFAIL11.53%
BH_A333N0.0006PASSFAIL11.53%
bh_a013N0.0006PASSFAIL11.53%WOE不单调
BH_A307N0.0005PASSFAIL11.53%WOE不单调
BH_A334N0.0005PASSFAIL11.53%WOE不单调
bh_h086N0.0005PASSFAIL11.53%
bh_h087N0.0005PASSFAIL11.53%
bh_h127N0.0005PASSFAIL11.53%WOE不单调
BH_A316N0.0005PASSFAIL11.53%
bh_h158N0.0005PASSFAIL11.53%
bh_h111N0.0005PASSFAIL11.53%WOE不单调
BH_A269N0.0005PASSFAIL11.53%
bh_a002N0.0005PASSFAIL11.53%
bh_h068N0.0005PASSFAIL11.53%
bh_h069N0.0005PASSFAIL11.53%
BH_A280N0.0005PASSFAIL11.53%
BH_A290N0.0005PASSFAIL11.53%
bh_a011N0.0005PASSFAIL11.53%
bh_a150N0.0004PASSFAIL11.53%WOE不单调
bh_h042N0.0004PASSFAIL11.53%
bh_h043N0.0004PASSFAIL11.53%
BH_A366N0.0004PASSFAIL11.53%
BH_X018N0.0004PASSFAIL11.51%
BH_X090N0.0004PASSFAIL11.51%
BH_A268N0.0004PASSFAIL11.53%WOE不单调
bh_h149N0.0004PASSFAIL11.53%
bh_h154N0.0004PASSFAIL11.53%WOE不单调
bh_a141N0.0004PASSFAIL11.53%
BH_A306N0.0004PASSFAIL11.53%
BH_A377N0.0004PASSFAIL11.53%
BH_A385N0.0004PASSFAIL11.53%
bh_h059N0.0004PASSFAIL11.53%
bh_a092N0.0004PASSFAIL11.53%WOE不单调
bh_h078N0.0004PASSFAIL11.53%
BH_A322N0.0004PASSFAIL11.53%WOE不单调
bh_h058N0.0004PASSFAIL11.53%
BH_A305N0.0004PASSFAIL11.53%
BH_A315N0.0004PASSFAIL11.53%
bh_a091N0.0003PASSFAIL11.53%
BH_A321N0.0003PASSFAIL11.53%
BH_A329N0.0003PASSFAIL11.53%
BH_A230N0.0003PASSFAIL11.53%WOE不单调
bh_h062N0.0003PASSFAIL11.53%WOE不单调
bh_a093N0.0003PASSFAIL11.53%
bh_h173N0.0003PASSFAIL11.53%WOE不单调
BH_A275N0.0003PASSFAIL11.53%
BH_A365N0.0003PASSFAIL11.53%WOE不单调
BH_A261N0.0003PASSFAIL11.53%
bh_h026N0.0003PASSFAIL11.53%
bh_h027N0.0003PASSFAIL11.53%
bh_h095N0.0003PASSFAIL11.53%
bh_h165N0.0003PASSFAIL11.53%WOE不单调
BH_A309N0.0003PASSFAIL11.53%
BH_A376N0.0003PASSFAIL11.53%WOE不单调
BH_A277N0.0003PASSFAIL11.53%
BH_A239N0.0003PASSFAIL11.53%WOE不单调
bh_h135N0.0003PASSFAIL11.53%
BH_A267N0.0003PASSFAIL11.53%
BH_X005N0.0003PASSFAIL11.51%
BH_X077N0.0003PASSFAIL11.51%
bh_a149N0.0002PASSFAIL11.53%WOE不单调
bh_a137N0.0002PASSFAIL11.53%WOE不单调
bh_a139N0.0002PASSFAIL11.53%WOE不单调
BH_A319N0.0002PASSFAIL11.53%
bh_h142N0.0002PASSFAIL11.53%
bh_h079N0.0002PASSFAIL11.53%WOE不单调
bh_h141N0.0002PASSFAIL11.53%WOE不单调
BH_A265N0.0002PASSFAIL11.53%
BH_A273N0.0002PASSFAIL11.53%
bh_h103N0.0002PASSFAIL11.53%
BH_A264N0.0002PASSFAIL11.53%
BH_A272N0.0002PASSFAIL11.53%
bh_h140N0.0002PASSFAIL11.53%WOE不单调
BH_A304N0.0002PASSFAIL11.53%
BH_A314N0.0002PASSFAIL11.53%
BH_A274N0.0002PASSFAIL11.53%
BH_A308N0.0002PASSFAIL11.53%WOE不单调
bh_h166N0.0002PASSFAIL11.53%WOE不单调
bh_a001N0.0002PASSFAIL11.53%
bh_a010N0.0002PASSFAIL11.53%
BH_A238N0.0002PASSFAIL11.53%WOE不单调
BH_A235N0.0002PASSFAIL11.53%
BH_A276N0.0002PASSFAIL11.53%
BH_A317N0.0002PASSFAIL11.53%
bh_h108N0.0002PASSFAIL11.53%
bh_h109N0.0002PASSFAIL11.53%
BH_A237N0.0001PASSFAIL11.53%WOE不单调
BH_A228N0.0001PASSFAIL11.53%WOE不单调
BH_A362N0.0001PASSFAIL11.53%
BH_A372N0.0001PASSFAIL11.53%
BH_A227N0.0001PASSFAIL11.53%WOE不单调
bh_h070N0.0001PASSFAIL11.53%
bh_h071N0.0001PASSFAIL11.53%
BH_A224N0.0001PASSFAIL11.53%
BH_A234N0.0001PASSFAIL11.53%
BH_A266N0.0001PASSFAIL11.53%
BH_A225N0.0001PASSFAIL11.53%
BH_A330N0.0001PASSFAIL11.53%
BH_A361N0.0001PASSFAIL11.53%
BH_A371N0.0001PASSFAIL11.53%
BH_A318N0.0001PASSFAIL11.53%WOE不单调
bh_a138N0.0001PASSFAIL11.53%
BH_A251N0.0001PASSFAIL11.53%
bh_h124N0.0001PASSFAIL11.53%WOE不单调
bh_a140N0.0001PASSFAIL11.53%WOE不单调
BH_A250N0.0001PASSFAIL11.53%
BH_A375N0.0001PASSFAIL11.53%
BH_A226N0.0001PASSFAIL11.53%WOE不单调
bh_h046N0.0001PASSFAIL11.53%
bh_h047N0.0001PASSFAIL11.53%
BH_A223N0.0001PASSFAIL11.53%
BH_A233N0.0001PASSFAIL11.53%
bh_a078N0.0001PASSFAIL11.53%
bh_a087N0.0001PASSFAIL11.53%
bh_a146N0.0000PASSFAIL11.53%WOE不单调
BH_A236N0.0000PASSFAIL11.53%
bh_a147N0.0000PASSFAIL11.53%
bh_h030N0.0000PASSFAIL11.53%
bh_h031N0.0000PASSFAIL11.53%
BH_A373N0.0000PASSFAIL11.53%
BH_A363N0.0000PASSFAIL11.53%WOE不单调
BH_A364N0.0000PASSFAIL11.53%
BH_A260N0.0000PASSFAIL11.53%
bh_a148N0.0000PASSFAIL11.53%
BH_A248N0.0000PASSFAIL11.53%
BH_A258N0.0000PASSFAIL11.53%
bh_h125N0.0000PASSFAIL11.53%
BH_A374N0.0000PASSFAIL11.53%
bh_h092N0.0000PASSFAIL11.53%
bh_h093N0.0000PASSFAIL11.53%
bh_a136N0.0000PASSFAIL11.53%
bh_a145N0.0000PASSFAIL11.53%
BH_A249N0.0000PASSFAIL11.53%
BH_A259N0.0000PASSFAIL11.53%
bh_h076N0.0000PASSFAIL11.53%
bh_h077N0.0000PASSFAIL11.53%
bh_h119N0.0000PASSFAIL11.53%
bh_a135N0.0000PASSFAIL11.53%
bh_a144N0.0000PASSFAIL11.53%
bh_a020N0.0000PASSFAIL11.53%
bh_a021N0.0000PASSFAIL11.53%
bh_a022N0.0000PASSFAIL11.53%
bh_a023N0.0000PASSFAIL11.53%
bh_a024N0.0000PASSFAIL11.53%
bh_a025N0.0000PASSFAIL11.53%
bh_a026N0.0000PASSFAIL11.53%
bh_a027N0.0000PASSFAIL11.53%
bh_a028N0.0000PASSFAIL11.53%
bh_a029N0.0000PASSFAIL11.53%
bh_a030N0.0000PASSFAIL11.53%
bh_a031N0.0000PASSFAIL11.53%
bh_a032N0.0000PASSFAIL11.53%
bh_a033N0.0000PASSFAIL11.53%
bh_a034N0.0000PASSFAIL11.53%
bh_a035N0.0000PASSFAIL11.53%
bh_a036N0.0000PASSFAIL11.53%
bh_a037N0.0000PASSFAIL11.53%
bh_a039N0.0000PASSFAIL11.53%
bh_a040N0.0000PASSFAIL11.53%
bh_a048N0.0000PASSFAIL11.53%
bh_a049N0.0000PASSFAIL11.53%
bh_a058N0.0000PASSFAIL11.53%
bh_a067N0.0000PASSFAIL11.53%
bh_a077N0.0000PASSFAIL11.53%
bh_a086N0.0000PASSFAIL11.53%
bh_a096N0.0000PASSFAIL11.53%
bh_a097N0.0000PASSFAIL11.53%
bh_a098N0.0000PASSFAIL11.53%
bh_a105N0.0000PASSFAIL11.53%
bh_a106N0.0000PASSFAIL11.53%
bh_a107N0.0000PASSFAIL11.53%
bh_a133N0.0000PASSFAIL11.53%
bh_a134N0.0000PASSFAIL11.53%
bh_a142N0.0000PASSFAIL11.53%
bh_a143N0.0000PASSFAIL11.53%
bh_h014N0.0000PASSFAIL11.53%
bh_h015N0.0000PASSFAIL11.53%
bh_h016N0.0000PASSFAIL11.53%
bh_h017N0.0000PASSFAIL11.53%
bh_h018N0.0000PASSFAIL11.53%
bh_h019N0.0000PASSFAIL11.53%
bh_h020N0.0000PASSFAIL11.53%
bh_h021N0.0000PASSFAIL11.53%
bh_h022N0.0000PASSFAIL11.53%
bh_h023N0.0000PASSFAIL11.53%
bh_h024N0.0000PASSFAIL11.53%
bh_h025N0.0000PASSFAIL11.53%
bh_h028N0.0000PASSFAIL11.53%
bh_h029N0.0000PASSFAIL11.53%
bh_h032N0.0000PASSFAIL11.53%
bh_h033N0.0000PASSFAIL11.53%
bh_h034N0.0000PASSFAIL11.53%
bh_h035N0.0000PASSFAIL11.53%
bh_h036N0.0000PASSFAIL11.53%
bh_h037N0.0000PASSFAIL11.53%
bh_h038N0.0000PASSFAIL11.53%
bh_h039N0.0000PASSFAIL11.53%
bh_h040N0.0000PASSFAIL11.53%
bh_h041N0.0000PASSFAIL11.53%
bh_h044N0.0000PASSFAIL11.53%
bh_h045N0.0000PASSFAIL11.53%
bh_h048N0.0000PASSFAIL11.53%
bh_h049N0.0000PASSFAIL11.53%
bh_h050N0.0000PASSFAIL11.53%
bh_h051N0.0000PASSFAIL11.53%
bh_h052N0.0000PASSFAIL11.53%
bh_h053N0.0000PASSFAIL11.53%
bh_h054N0.0000PASSFAIL11.53%
bh_h055N0.0000PASSFAIL11.53%
bh_h056N0.0000PASSFAIL11.53%
bh_h057N0.0000PASSFAIL11.53%
bh_h060N0.0000PASSFAIL11.53%
bh_h061N0.0000PASSFAIL11.53%
bh_h063N0.0000PASSFAIL11.53%
bh_h064N0.0000PASSFAIL11.53%
bh_h065N0.0000PASSFAIL11.53%
bh_h066N0.0000PASSFAIL11.53%
bh_h067N0.0000PASSFAIL11.53%
bh_h072N0.0000PASSFAIL11.53%
bh_h073N0.0000PASSFAIL11.53%
bh_h080N0.0000PASSFAIL11.53%
bh_h081N0.0000PASSFAIL11.53%
bh_h082N0.0000PASSFAIL11.53%
bh_h083N0.0000PASSFAIL11.53%
bh_h088N0.0000PASSFAIL11.53%
bh_h089N0.0000PASSFAIL11.53%
bh_h096N0.0000PASSFAIL11.53%
bh_h097N0.0000PASSFAIL11.53%
bh_h098N0.0000PASSFAIL11.53%
bh_h099N0.0000PASSFAIL11.53%
bh_h104N0.0000PASSFAIL11.53%
bh_h105N0.0000PASSFAIL11.53%
bh_h112N0.0000PASSFAIL11.53%
bh_h113N0.0000PASSFAIL11.53%
bh_h128N0.0000PASSFAIL11.53%
bh_h129N0.0000PASSFAIL11.53%
bh_h148N0.0000PASSFAIL11.53%
bh_h156N0.0000PASSFAIL11.53%
bh_h164N0.0000PASSFAIL11.53%
bh_h172N0.0000PASSFAIL11.53%
BH_A221N0.0000PASSFAIL11.53%
BH_A222N0.0000PASSFAIL11.53%
BH_A231N0.0000PASSFAIL11.53%
BH_A232N0.0000PASSFAIL11.53%
BH_A242N0.0000PASSFAIL11.53%
BH_A243N0.0000PASSFAIL11.53%
BH_A244N0.0000PASSFAIL11.53%
BH_A245N0.0000PASSFAIL11.53%
BH_A246N0.0000PASSFAIL11.53%
BH_A247N0.0000PASSFAIL11.53%
BH_A252N0.0000PASSFAIL11.53%
BH_A253N0.0000PASSFAIL11.53%
BH_A254N0.0000PASSFAIL11.53%
BH_A255N0.0000PASSFAIL11.53%
BH_A256N0.0000PASSFAIL11.53%
BH_A257N0.0000PASSFAIL11.53%
BH_A262N0.0000PASSFAIL11.53%
BH_A263N0.0000PASSFAIL11.53%
BH_A270N0.0000PASSFAIL11.53%
BH_A271N0.0000PASSFAIL11.53%
BH_A279N0.0000PASSFAIL11.53%
BH_A289N0.0000PASSFAIL11.53%
BH_A300N0.0000PASSFAIL11.53%
BH_A301N0.0000PASSFAIL11.53%
BH_A302N0.0000PASSFAIL11.53%
BH_A303N0.0000PASSFAIL11.53%
BH_A310N0.0000PASSFAIL11.53%
BH_A311N0.0000PASSFAIL11.53%
BH_A312N0.0000PASSFAIL11.53%
BH_A313N0.0000PASSFAIL11.53%
BH_A320N0.0000PASSFAIL11.53%
BH_A328N0.0000PASSFAIL11.53%
BH_A337N0.0000PASSFAIL11.53%
BH_A347N0.0000PASSFAIL11.53%
BH_A357N0.0000PASSFAIL11.53%
BH_A358N0.0000PASSFAIL11.53%
BH_A359N0.0000PASSFAIL11.53%
BH_A360N0.0000PASSFAIL11.53%
BH_A367N0.0000PASSFAIL11.53%
BH_A368N0.0000PASSFAIL11.53%
BH_A369N0.0000PASSFAIL11.53%
BH_A370N0.0000PASSFAIL11.53%
BH_X001N0.0000PASSFAIL11.51%
BH_X002N0.0000PASSFAIL11.51%
BH_X003N0.0000PASSFAIL11.51%
BH_X004N0.0000PASSFAIL11.51%
BH_X007N0.0000PASSFAIL11.51%
BH_X008N0.0000PASSFAIL11.51%
BH_X009N0.0000PASSFAIL11.51%
BH_X010N0.0000PASSFAIL11.51%
BH_X011N0.0000PASSFAIL11.51%
BH_X012N0.0000PASSFAIL11.51%
BH_X013N0.0000PASSFAIL11.51%
BH_X014N0.0000PASSFAIL11.51%
BH_X015N0.0000PASSFAIL11.51%
BH_X016N0.0000PASSFAIL11.51%
BH_X017N0.0000PASSFAIL11.51%
BH_X019N0.0000PASSFAIL11.51%
BH_X020N0.0000PASSFAIL11.51%
BH_X021N0.0000PASSFAIL11.51%
BH_X022N0.0000PASSFAIL11.51%
BH_X023N0.0000PASSFAIL11.51%
BH_X024N0.0000PASSFAIL11.51%
BH_X025N0.0000PASSFAIL11.51%
BH_X026N0.0000PASSFAIL11.51%
BH_X027N0.0000PASSFAIL11.51%
BH_X028N0.0000PASSFAIL11.51%
BH_X029N0.0000PASSFAIL11.51%
BH_X030N0.0000PASSFAIL11.51%
BH_X031N0.0000PASSFAIL11.51%
BH_X032N0.0000PASSFAIL11.51%
BH_X033N0.0000PASSFAIL11.51%
BH_X034N0.0000PASSFAIL11.51%
BH_X035N0.0000PASSFAIL11.51%
BH_X036N0.0000PASSFAIL11.51%
BH_X037N0.0000PASSFAIL11.51%
BH_X038N0.0000PASSFAIL11.51%
BH_X039N0.0000PASSFAIL11.51%
BH_X040N0.0000PASSFAIL11.51%
BH_X041N0.0000PASSFAIL11.51%
BH_X042N0.0000PASSFAIL11.51%
BH_X043N0.0000PASSFAIL11.51%
BH_X044N0.0000PASSFAIL11.51%
BH_X045N0.0000PASSFAIL11.51%
BH_X046N0.0000PASSFAIL11.51%
BH_X047N0.0000PASSFAIL11.51%
BH_X048N0.0000PASSFAIL11.51%
BH_X049N0.0000PASSFAIL11.51%
BH_X050N0.0000PASSFAIL11.51%
BH_X051N0.0000PASSFAIL11.51%
BH_X052N0.0000PASSFAIL11.51%
BH_X053N0.0000PASSFAIL11.51%
BH_X054N0.0000PASSFAIL11.51%
BH_X055N0.0000PASSFAIL11.51%
BH_X056N0.0000PASSFAIL11.51%
BH_X057N0.0000PASSFAIL11.51%
BH_X058N0.0000PASSFAIL11.51%
BH_X059N0.0000PASSFAIL11.51%
BH_X060N0.0000PASSFAIL11.51%
BH_X061N0.0000PASSFAIL11.51%
BH_X062N0.0000PASSFAIL11.51%
BH_X063N0.0000PASSFAIL11.51%
BH_X064N0.0000PASSFAIL11.51%
BH_X065N0.0000PASSFAIL11.51%
BH_X066N0.0000PASSFAIL11.51%
BH_X067N0.0000PASSFAIL11.51%
BH_X068N0.0000PASSFAIL11.51%
BH_X069N0.0000PASSFAIL11.51%
BH_X070N0.0000PASSFAIL11.51%
BH_X071N0.0000PASSFAIL11.51%
BH_X072N0.0000PASSFAIL11.51%
BH_X073N0.0000PASSFAIL11.51%
BH_X074N0.0000PASSFAIL11.51%
BH_X075N0.0000PASSFAIL11.51%
BH_X076N0.0000PASSFAIL11.51%
BH_X079N0.0000PASSFAIL11.51%
BH_X080N0.0000PASSFAIL11.51%
BH_X081N0.0000PASSFAIL11.51%
BH_X082N0.0000PASSFAIL11.51%
BH_X083N0.0000PASSFAIL11.51%
BH_X084N0.0000PASSFAIL11.51%
BH_X085N0.0000PASSFAIL11.51%
BH_X086N0.0000PASSFAIL11.51%
BH_X087N0.0000PASSFAIL11.51%
BH_X088N0.0000PASSFAIL11.51%
BH_X089N0.0000PASSFAIL11.51%
BH_X091N0.0000PASSFAIL11.51%
BH_X092N0.0000PASSFAIL11.51%
BH_X093N0.0000PASSFAIL11.51%
BH_X094N0.0000PASSFAIL11.51%
BH_X095N0.0000PASSFAIL11.51%
BH_X096N0.0000PASSFAIL11.51%
BH_X097N0.0000PASSFAIL11.51%
BH_X098N0.0000PASSFAIL11.51%
BH_X099N0.0000PASSFAIL11.51%
BH_X100N0.0000PASSFAIL11.51%
BH_X101N0.0000PASSFAIL11.51%
BH_X102N0.0000PASSFAIL11.51%
BH_X103N0.0000PASSFAIL11.51%
BH_X104N0.0000PASSFAIL11.51%
BH_X105N0.0000PASSFAIL11.51%
BH_X106N0.0000PASSFAIL11.51%
BH_X107N0.0000PASSFAIL11.51%
BH_X108N0.0000PASSFAIL11.51%
BH_X109N0.0000PASSFAIL11.51%
BH_X110N0.0000PASSFAIL11.51%
BH_X111N0.0000PASSFAIL11.51%
BH_X112N0.0000PASSFAIL11.51%
BH_X113N0.0000PASSFAIL11.51%
BH_X114N0.0000PASSFAIL11.51%
BH_X115N0.0000PASSFAIL11.51%
BH_X116N0.0000PASSFAIL11.51%
BH_X117N0.0000PASSFAIL11.51%
BH_X118N0.0000PASSFAIL11.51%
BH_X119N0.0000PASSFAIL11.51%
BH_X120N0.0000PASSFAIL11.51%
BH_X121N0.0000PASSFAIL11.51%
BH_X122N0.0000PASSFAIL11.51%
BH_X123N0.0000PASSFAIL11.51%
BH_X124N0.0000PASSFAIL11.51%
BH_X125N0.0000PASSFAIL11.51%
BH_X126N0.0000PASSFAIL11.51%
BH_X127N0.0000PASSFAIL11.51%
BH_X128N0.0000PASSFAIL11.51%
BH_X129N0.0000PASSFAIL11.51%
BH_X130N0.0000PASSFAIL11.51%
BH_X131N0.0000PASSFAIL11.51%
BH_X132N0.0000PASSFAIL11.51%
BH_X133N0.0000PASSFAIL11.51%
BH_X134N0.0000PASSFAIL11.51%
BH_X135N0.0000PASSFAIL11.51%
BH_X136N0.0000PASSFAIL11.51%
BH_X137N0.0000PASSFAIL11.51%
BH_X138N0.0000PASSFAIL11.51%
BH_X139N0.0000PASSFAIL11.51%
BH_X140N0.0000PASSFAIL11.51%
BH_X141N0.0000PASSFAIL11.51%
BH_X142N0.0000PASSFAIL11.51%
BH_X143N0.0000PASSFAIL11.51%
BH_X144N0.0000PASSFAIL11.51%

06 回归结果

ParameterLabelEstimateStandard ErrorWald Chi-SquarePr > ChiSqStandardized Estimate
InterceptIntercept-1.95260.04371999.62<0.0001—
WOE_bh_a104bh_a1040.26871.67770.030.87280.0181
WOE_bh_a113bh_a113-0.27911.75540.030.8737-0.0180
WOE_ScoreCust1ScoreCust1-1.68840.57958.490.0036-0.1218
WOE_ScoreCust2ScoreCust2-2.40100.580117.13<0.0001-0.1812
WOE_dxm_2025v2dxm_2025v2-2.54270.402939.82<0.0001-0.1691
WOE_score92663score92663-0.33570.61290.300.5839-0.0237
WOE_model_risk_v9_stongyong_scoremodel_risk_v9_stongyong_score-0.59720.61920.930.3348-0.0526
WOE_model_risk_v9_sxiaojin_scoremodel_risk_v9_sxiaojin_score-1.28380.63124.140.0419-0.1048
WOE_model_1034467model_1034467-1.14830.74102.400.1212-0.0784
WOE_model_1034468model_1034468-0.34661.06080.110.7439-0.0154
WOE_score_50021score_50021-2.45730.372843.45<0.0001-0.1793
WOE_zszs_xy_scorezszs_xy_score-1.21080.45357.130.0076-0.0675
WOE_xmf_v11xjxmf_v11xj0.17190.71810.060.81080.0070
WOE_bh_CO4001scorebh_CO4001score0.31240.44650.490.48410.0205
WOE_PY083PPY083P-1.13430.44536.490.0109-0.0713
WOE_risk_v8_slowirrrisk_v8_slowirr-0.65390.58931.230.2672-0.0482
WOE_mobile_fixed_grademobile_fixed_grade0.01450.55320.000.97910.0007
WOE_adr_stability_gradeadr_stability_grade-0.15040.31260.230.6304-0.0134
WOE_have_car_prob_gradehave_car_prob_grade-0.37490.21523.040.0814-0.0460
WOE_tot_pay_amt_6m_gradetot_pay_amt_6m_grade-0.10840.29370.140.7119-0.0105
WOE_first_loan_length_gradefirst_loan_length_grade-0.98270.222919.44<0.0001-0.1098
WOE_avg_bal_6m_gradeavg_bal_6m_grade1.53660.452011.560.00070.1698
WOE_repay_amt_6m_graderepay_amt_6m_grade-3.50620.475954.28<0.0001-0.3933
WOE_positive_biz_cnt_1y_gradepositive_biz_cnt_1y_grade0.36440.36371.000.31640.0366
WOE_risk_scorerisk_score-1.53150.251936.96<0.0001-0.2053
WOE_cust_seg2cust_seg2-0.22590.23950.890.3456-0.0282
WOE_dev_stability_grade2dev_stability_grade2-0.81130.42363.670.0555-0.0480
WOE_repayment_ability_rank2repayment_ability_rank2-0.55750.43811.620.2032-0.0349

注：标准误基于无惩罚似然的信息矩阵近似计算（拟合模型含 L2 正则）。

07 VIF

VIF

ParameterVIF
bh_a10428.10332
bh_a11327.86282
ScoreCust13.44490
ScoreCust23.59842
dxm_2025v21.47208
score926633.81593
model_risk_v9_stongyong_score5.84632
model_risk_v9_sxiaojin_score5.45346
model_10344674.20587
model_10344683.94787
score_500211.50260
zszs_xy_score1.21150
xmf_v11xj1.50591
bh_CO4001score1.78853
PY083P1.60752
risk_v8_slowirr3.80194
mobile_fixed_grade1.22425
adr_stability_grade1.53078
have_car_prob_grade1.20380
tot_pay_amt_6m_grade1.66895
first_loan_length_grade1.39303
avg_bal_6m_grade4.97568
repay_amt_6m_grade4.96965
positive_biz_cnt_1y_grade2.87029
risk_score1.79920
cust_seg21.82531
dev_stability_grade21.31101
repayment_ability_rank21.44467

相关系数（WOE 转换后，开发样本）

bh_a104bh_a113ScoreCust1ScoreCust2dxm_2025v2score92663model_risk_v9_stongyong_scoremodel_risk_v9_sxiaojin_scoremodel_1034467model_1034468score_50021zszs_xy_scorexmf_v11xjbh_CO4001scorePY083Prisk_v8_slowirrmobile_fixed_gradeadr_stability_gradehave_car_prob_gradetot_pay_amt_6m_gradefirst_loan_length_gradeavg_bal_6m_graderepay_amt_6m_gradepositive_biz_cnt_1y_graderisk_scorecust_seg2dev_stability_grade2repayment_ability_rank2
bh_a1041.0000.9820.3210.3150.1540.1600.1350.1010.1930.1940.1000.0830.1710.1190.1450.1560.0610.0610.0340.0390.0690.0380.0520.0350.1050.0760.0170.054
bh_a1130.9821.0000.3110.3040.1430.1530.1290.0960.1870.1890.0920.0810.1630.1120.1410.1500.0570.0620.0340.0380.0680.0410.0530.0370.1050.0760.0180.052
ScoreCust10.3210.3111.0000.8290.3310.3380.2890.2460.3430.3470.2180.1480.2880.3400.3790.3300.1250.1480.0670.0850.0920.0830.1060.0750.2330.1900.0320.099
ScoreCust20.3150.3040.8291.0000.3620.3880.3390.2900.4040.3800.2570.1820.3270.3060.3550.3790.1560.1860.0950.0850.1150.0690.1020.0640.2500.1900.0200.089
dxm_2025v20.1540.1430.3310.3621.0000.3220.3120.3170.2960.2660.2780.1780.4660.2500.3420.3260.1590.2200.1620.1320.1610.0870.1350.0840.2530.2060.0370.140
score926630.1600.1530.3380.3880.3221.0000.7160.6690.3740.3410.4240.2120.3370.5010.3370.8360.1640.2130.1870.1640.1490.0990.1390.0720.2680.2380.0580.155
model_risk_v9_stongyong_score0.1350.1290.2890.3390.3120.7161.0000.8920.3690.3110.4990.2430.3180.4930.3280.7060.2260.2490.2410.1820.2210.1140.1610.0930.2820.2670.0450.188
model_risk_v9_sxiaojin_score0.1010.0960.2460.2900.3170.6690.8921.0000.3360.2700.4890.2660.2870.5020.3270.6790.2620.3010.2600.2330.2700.1500.2000.1300.3230.3020.0850.214
model_10344670.1930.1870.3430.4040.2960.3740.3690.3361.0000.8540.3590.2190.3050.3330.3370.3680.1660.2220.1590.1140.1290.0310.0660.0150.2380.2050.0320.130
model_10344680.1940.1890.3470.3800.2660.3410.3110.2700.8541.0000.3130.1690.3040.3030.3200.3290.0850.1130.1020.0500.0570.0030.031-0.0070.1720.1370.0160.077
score_500210.1000.0920.2180.2570.2780.4240.4990.4890.3590.3131.0000.2310.3000.3860.2950.4260.1950.2230.2210.1610.1910.1070.1500.0750.2580.2540.0540.194
zszs_xy_score0.0830.0810.1480.1820.1780.2120.2430.2660.2190.1690.2311.0000.1400.2240.1940.2230.1920.2970.1670.2220.1880.1490.1970.1360.2900.2730.1480.203
xmf_v11xj0.1710.1630.2880.3270.4660.3370.3180.2870.3050.3040.3000.1401.0000.2720.4080.3290.0800.1050.0910.0690.0440.0340.0620.0220.1570.1490.0110.090
bh_CO4001score0.1190.1120.3400.3060.2500.5010.4930.5020.3330.3030.3860.2240.2721.0000.4680.5230.1890.2620.2030.2810.1750.1700.2000.1410.3620.3120.1490.204
PY083P0.1450.1410.3790.3550.3420.3370.3280.3270.3370.3200.2950.1940.4080.4681.0000.3510.1250.2440.1320.2360.1410.1920.2170.1880.3220.2720.1610.182
risk_v8_slowirr0.1560.1500.3300.3790.3260.8360.7060.6790.3680.3290.4260.2230.3290.5230.3511.0000.1740.2420.1810.1770.1760.1100.1520.0890.2910.2560.0730.178
mobile_fixed_grade0.0610.0570.1250.1560.1590.1640.2260.2620.1660.0850.1950.1920.0800.1890.1250.1741.0000.3150.1980.1750.3090.1210.1610.1090.2410.2380.0840.182
adr_stability_grade0.0610.0620.1480.1860.2200.2130.2490.3010.2220.1130.2230.2970.1050.2620.2440.2420.3151.0000.2550.3660.3920.2720.3130.2610.4240.3700.2130.240
have_car_prob_grade0.0340.0340.0670.0950.1620.1870.2410.2600.1590.1020.2210.1670.0910.2030.1320.1810.1980.2551.0000.2540.2340.1830.2260.1730.2650.2850.1100.205
tot_pay_amt_6m_grade0.0390.0380.0850.0850.1320.1640.1820.2330.1140.0500.1610.2220.0690.2810.2360.1770.1750.3660.2541.0000.2370.4580.5150.4010.4500.3660.3940.235
first_loan_length_grade0.0690.0680.0920.1150.1610.1490.2210.2700.1290.0570.1910.1880.0440.1750.1410.1760.3090.3920.2340.2371.0000.2510.2920.2780.3850.3260.1460.228
avg_bal_6m_grade0.0380.0410.0830.0690.0870.0990.1140.1500.0310.0030.1070.1490.0340.1700.1920.1100.1210.2720.1830.4580.2511.0000.8720.7830.3710.2530.3850.131
repay_amt_6m_grade0.0520.0530.1060.1020.1350.1390.1610.2000.0660.0310.1500.1970.0620.2000.2170.1520.1610.3130.2260.5150.2920.8721.0000.7560.4310.3260.4090.175
positive_biz_cnt_1y_grade0.0350.0370.0750.0640.0840.0720.0930.1300.015-0.0070.0750.1360.0220.1410.1880.0890.1090.2610.1730.4010.2780.7830.7561.0000.4020.2400.3570.113
risk_score0.1050.1050.2330.2500.2530.2680.2820.3230.2380.1720.2580.2900.1570.3620.3220.2910.2410.4240.2650.4500.3850.3710.4310.4021.0000.4590.2990.256
cust_seg20.0760.0760.1900.1900.2060.2380.2670.3020.2050.1370.2540.2730.1490.3120.2720.2560.2380.3700.2850.3660.3260.2530.3260.2400.4591.0000.2010.538
dev_stability_grade20.0170.0180.0320.0200.0370.0580.0450.0850.0320.0160.0540.1480.0110.1490.1610.0730.0840.2130.1100.3940.1460.3850.4090.3570.2990.2011.0000.144
repayment_ability_rank20.0540.0520.0990.0890.1400.1550.1880.2140.1300.0770.1940.2030.0900.2040.1820.1780.1820.2400.2050.2350.2280.1310.1750.1130.2560.5380.1441.000

08 最终评分卡

标准分600
标准ODD50
PDO20
变量分栏WOECoefficientScorecard Points
bh_a104(-inf, 0.5]0.08420.268719
(0.5, 1.5]-0.05940.268720
(1.5, 7.5]-0.06920.268720
(7.5, inf]-0.00160.268719
bh_a113(-inf, 0.5]0.0842-0.279120
(0.5, 1.5]-0.0637-0.279119
(1.5, 2.5]-0.0381-0.279119
(2.5, inf]-0.0333-0.279119
ScoreCust1(-inf, 569.5]-0.0885-1.688415
(569.5, 622.5]-0.1158-1.688414
(622.5, 665.5]-0.0708-1.688416
(665.5, 689.5]-0.0311-1.688418
(689.5, 747.5]-0.0415-1.688417
(747.5, 784.5]0.0428-1.688421
(784.5, 833.5]0.0836-1.688423
(833.5, 857.5]0.0689-1.688423
(857.5, 887.5]0.0844-1.688424
(887.5, inf]0.0937-1.688424
ScoreCust2(-inf, 550.5]-0.1062-2.401012
(550.5, 603.5]-0.1173-2.401011
(603.5, 684.5]-0.0861-2.401013
(684.5, 738.5]-0.0381-2.401017
(738.5, 786.5]0.0339-2.401022
(786.5, 803.5]0.0366-2.401022
(803.5, 839.5]0.0769-2.401025
(839.5, 866.5]0.0668-2.401024
(866.5, 920.5]0.1008-2.401026
(920.5, inf]0.0858-2.401025
dxm_2025v2(-inf, 365.5]-0.0771-2.542714
(365.5, 379.5]-0.1127-2.542711
(379.5, 386.5]-0.0626-2.542715
(386.5, 394.5]-0.0389-2.542717
(394.5, 400.5]-0.0176-2.542718
(400.5, 412.5]0.0329-2.542722
(412.5, 419.5]0.0426-2.542723
(419.5, 429.5]0.0623-2.542724
(429.5, 444.5]0.0727-2.542725
(444.5, inf]0.1171-2.542728
score92663(-inf, 31.45044994354248]0.1030-0.335720
(31.45044994354248, 37.38999938964844]0.0900-0.335720
(37.38999938964844, 39.962650299072266]0.0482-0.335720
(39.962650299072266, 42.10270118713379]0.0320-0.335720
(42.10270118713379, 47.31664848327637]0.0557-0.335720
(47.31664848327637, 53.08215141296387]0.0043-0.335719
(53.08215141296387, 57.89995002746582]-0.0362-0.335719
(57.89995002746582, 60.136199951171875]-0.0387-0.335719
(60.136199951171875, 67.49970245361328]-0.1102-0.335718
(67.49970245361328, inf]-0.1148-0.335718
model_risk_v9_stongyong_score(-inf, 28.5]0.0989-0.597221
(28.5, 38.5]0.1327-0.597222
(38.5, 44.5]0.0931-0.597221
(44.5, 46.5]0.0223-0.597220
(46.5, 49.5]0.0132-0.597220
(49.5, 51.5]-0.0008-0.597219
(51.5, 54.5]-0.0277-0.597219
(54.5, 59.5]-0.0814-0.597218
(59.5, 64.5]-0.0898-0.597218
(64.5, inf]-0.1406-0.597217
model_risk_v9_sxiaojin_score(-inf, 29.5]0.1076-1.283823
(29.5, 36.5]0.1092-1.283823
(36.5, 42.5]0.1005-1.283823
(42.5, 46.5]0.0383-1.283821
(46.5, 48.5]0.0052-1.283820
(48.5, 50.5]-0.0089-1.283819
(50.5, 53.5]-0.0420-1.283818
(53.5, 58.5]-0.0995-1.283816
(58.5, 62.5]-0.0901-1.283816
(62.5, inf]-0.1149-1.283815
model_1034467(-inf, 0.07106450200080872]0.1326-1.148324
(0.07106450200080872, 0.07795150205492973]0.0574-1.148321
(0.07795150205492973, 0.08759349957108498]0.0758-1.148322
(0.08759349957108498, 0.09358850121498108]0.0278-1.148320
(0.09358850121498108, 0.10140899941325188]-0.0014-1.148319
(0.10140899941325188, 0.11890449747443199]-0.0451-1.148318
(0.11890449747443199, 0.16479599475860596]-0.0663-1.148317
(0.16479599475860596, 0.20841799676418304]-0.0806-1.148317
(0.20841799676418304, inf]-0.0750-1.148317
model_1034468(-inf, 0.07161249965429306]0.0961-0.346620
(0.07161249965429306, 0.07378850132226944]0.0600-0.346620
(0.07378850132226944, 0.07850050181150436]0.0505-0.346620
(0.07850050181150436, 0.08752300217747688]0.0260-0.346620
(0.08752300217747688, 0.09734249860048294]0.0066-0.346619
(0.09734249860048294, 0.11911049857735634]-0.0193-0.346619
(0.11911049857735634, 0.14082950353622437]-0.0348-0.346619
(0.14082950353622437, 0.1581215038895607]-0.0413-0.346619
(0.1581215038895607, 0.1907384991645813]-0.0547-0.346619
(0.1907384991645813, inf]-0.0755-0.346619
score_50021(-inf, 0.005050000036135316]0.1111-2.457327
(0.005050000036135316, 0.007250000024214387]0.0849-2.457325
(0.007250000024214387, 0.009150000289082527]0.0608-2.457324
(0.009150000289082527, 0.012349999975413084]0.0582-2.457324
(0.012349999975413084, 0.015250000171363354]0.0265-2.457321
(0.015250000171363354, 0.01674999948590994]0.0046-2.457320
(0.01674999948590994, 0.02114999946206808]-0.0206-2.457318
(0.02114999946206808, 0.027050000615417957]-0.0834-2.457313
(0.027050000615417957, 0.03645000047981739]-0.0862-2.457313
(0.03645000047981739, inf]-0.1285-2.457310
zszs_xy_score(-inf, 681.5]-0.0686-1.210817
(681.5, 689.5]-0.0698-1.210817
(689.5, 696.5]-0.0533-1.210818
(696.5, 704.5]-0.0344-1.210818
(704.5, 707.5]-0.0078-1.210819
(707.5, 710.5]-0.0067-1.210819
(710.5, 716.5]0.0144-1.210820
(716.5, 730.5]0.0441-1.210821
(730.5, 749.5]0.1029-1.210823
(749.5, inf]0.0670-1.210822
xmf_v11xj(-inf, 385.5]-0.04710.171920
(385.5, 397.5]-0.05370.171920
(397.5, 414.5]-0.05330.171920
(414.5, 425.5]-0.02190.171920
(425.5, 438.5]-0.00240.171919
(438.5, 445.5]0.01460.171919
(445.5, 455.5]0.03350.171919
(455.5, 466.5]0.04040.171919
(466.5, 480.5]0.04630.171919
(480.5, inf]0.07520.171919
bh_CO4001score(-inf, 34.5]0.09140.312419
(34.5, 37.5]0.06450.312419
(37.5, 39.5]0.04770.312419
(39.5, 41.5]0.02920.312419
(41.5, 43.5]0.02850.312419
(43.5, 45.5]0.01280.312419
(45.5, 47.5]0.00350.312419
(47.5, 50.5]-0.02890.312420
(50.5, 55.5]-0.11800.312420
(55.5, inf]-0.08900.312420
PY083P(-inf, 542.5]-0.1029-1.134316
(542.5, 570.5]-0.0853-1.134317
(570.5, 582.5]-0.0393-1.134318
(582.5, 599.5]-0.0399-1.134318
(599.5, 617.5]-0.0157-1.134319
(617.5, 657.5]0.0334-1.134321
(657.5, 668.5]0.0258-1.134320
(668.5, 699.5]0.0628-1.134321
(699.5, 730.5]0.0517-1.134321
(730.5, inf]0.1192-1.134323
risk_v8_slowirr(-inf, 17.5]0.0996-0.653921
(17.5, 27.5]0.1115-0.653922
(27.5, 31.5]0.0454-0.653920
(31.5, 35.5]0.0418-0.653920
(35.5, 45.5]0.0432-0.653920
(45.5, 54.5]-0.0187-0.653919
(54.5, 60.5]-0.0325-0.653919
(60.5, 63.5]-0.0287-0.653919
(63.5, 72.5]-0.1071-0.653917
(72.5, inf]-0.1260-0.653917
mobile_fixed_grade(-inf, 4.5]-0.01020.014519
(4.5, 5.5]-0.02040.014519
(5.5, 6.5]-0.05290.014519
(6.5, 7.5]-0.05480.014519
(7.5, 8.5]0.00870.014519
(8.5, 9.5]0.07790.014519
(9.5, inf]0.06240.014519
adr_stability_grade(-inf, 2.5]-0.1452-0.150419
(2.5, 5.5]-0.0360-0.150419
(5.5, 6.5]-0.0027-0.150419
(6.5, 7.5]0.0227-0.150420
(7.5, 8.5]0.0540-0.150420
(8.5, 9.5]0.0792-0.150420
(9.5, inf]0.0843-0.150420
have_car_prob_grade(-inf, 1.5]-0.1087-0.374918
(1.5, inf]0.1437-0.374921
tot_pay_amt_6m_grade(-inf, 1.5]-0.1443-0.108419
(1.5, 2.5]-0.0031-0.108419
(2.5, 3.5]0.0190-0.108419
(3.5, 5.5]0.0649-0.108420
(5.5, 6.5]0.0283-0.108419
(6.5, inf]0.0911-0.108420
first_loan_length_grade(-inf, 4.5]-0.1373-0.982716
(4.5, 5.5]-0.0406-0.982718
(5.5, 6.5]-0.0351-0.982718
(6.5, inf]0.1290-0.982723
avg_bal_6m_grade(-inf, 1.5]-0.13671.536625
(1.5, 3.5]0.02201.536618
(3.5, 7.5]0.10541.536615
(7.5, inf]0.08371.536616
repay_amt_6m_grade(-inf, 1.5]-0.1490-3.50624
(1.5, 3.5]-0.0099-3.506218
(3.5, 4.5]0.0101-3.506220
(4.5, 5.5]0.0423-3.506224
(5.5, 6.5]0.0782-3.506227
(6.5, inf]0.1448-3.506234
positive_biz_cnt_1y_grade(-inf, 1.5]-0.10930.364421
(1.5, 5.5]-0.04180.364420
(5.5, 9.5]0.00660.364419
(9.5, inf]0.11700.364418
risk_score(-inf, 1.5]0.2504-1.531530
(1.5, 2.5]0.0595-1.531522
(2.5, 3.5]-0.0696-1.531516
(3.5, 4.5]-0.1049-1.531515
(4.5, 5.5]-0.0839-1.531516
(5.5, inf]-0.0966-1.531515
cust_seg2(-inf, 2.5]0.1745-0.225921
(2.5, 3.5]0.0218-0.225920
(3.5, inf]-0.1773-0.225918
dev_stability_grade2(-inf, 1.5]0.0525-0.811321
(1.5, 2.5]0.0571-0.811321
(2.5, 3.5]-0.0255-0.811319
(3.5, inf]-0.0868-0.811317
repayment_ability_rank2(-inf, 1.5]0.0750-0.557521
(1.5, 2.5]0.0647-0.557520
(2.5, 3.5]-0.0299-0.557519
(3.5, inf]-0.0853-0.557518

09 模型表现

模型 KS & GINI（按样本）

模型样本KSGINI
LR + WOE 评分卡开发样本0.37170.4956
LR + WOE 评分卡预留验证样本0.33660.4444
LR + WOE 评分卡跨时间验证样本(OOT)0.25460.3450
XGBoost开发样本0.62970.8048
XGBoost预留验证样本0.31050.4176
XGBoost跨时间验证样本(OOT)0.25210.3374

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GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0068 ~ 0.0336155910.00%15302911.78%1.12%1.86%1.86%52.7652.76
20.0336 ~ 0.0543155920.00%15045511.58%3.23%3.53%2.69%27.3536.12
30.0543 ~ 0.0775155930.00%145510411.20%7.23%6.67%4.02%13.9923.88
40.0775 ~ 0.1055155940.00%141714210.91%12.69%9.11%5.29%9.9817.90
50.1056 ~ 0.1374155950.00%137118810.55%19.92%12.06%6.65%7.2914.05
60.1374 ~ 0.1752156060.00%131524510.12%29.35%15.71%8.16%5.3711.26
70.1753 ~ 0.2207155970.00%12463139.59%41.38%20.08%9.86%3.989.14
80.2207 ~ 0.2738155879.99%11544048.88%56.92%25.93%11.87%2.867.43
90.2738 ~ 0.3477155989.99%11014588.48%74.54%29.38%13.81%2.406.24
100.3478 ~ 0.64791560100.00%8986626.91%100.00%42.44%16.68%1.365.00
TOTALS1559112991260016.68%—5.00

预留验证样本

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0100 ~ 0.036952010.01%514611.28%0.94%1.15%1.15%85.6785.67
20.0370 ~ 0.055452020.01%4982210.93%4.38%4.23%2.69%22.6436.14
30.0554 ~ 0.076351930.00%4893010.73%9.08%5.78%3.72%16.3025.88
40.0763 ~ 0.098852040.00%4774310.47%15.81%8.27%4.86%11.0919.58
50.0989 ~ 0.123951949.99%4764310.44%22.54%8.29%5.54%11.0717.04
60.1239 ~ 0.154252060.00%4655510.20%31.14%10.58%6.38%8.4514.67
70.1543 ~ 0.187952070.00%449719.85%42.25%13.65%7.42%6.3212.47
80.1880 ~ 0.238751979.99%428919.39%56.49%17.53%8.68%4.7010.52
90.2391 ~ 0.308252089.99%4051158.89%74.49%22.12%10.18%3.528.83
100.3083 ~ 0.6010520100.00%3571637.83%100.00%31.35%12.30%2.197.13
TOTALS5197455863912.30%—7.13

跨时间验证样本(OOT)

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0095 ~ 0.044352010.00%4962412.08%2.20%4.62%4.62%20.6720.67
20.0443 ~ 0.064852020.01%4615911.23%7.60%11.35%7.98%7.8111.53
30.0648 ~ 0.085852030.01%4457510.84%14.47%14.42%10.13%5.938.87
40.0859 ~ 0.106951940.00%4338610.55%22.34%16.57%11.74%5.037.52
50.1069 ~ 0.130752050.00%4279310.40%30.86%17.88%12.97%4.596.71
60.1308 ~ 0.159252060.00%4081129.94%41.12%21.54%14.40%3.645.95
70.1592 ~ 0.194951969.99%3951249.62%52.47%23.89%15.75%3.195.35
80.1949 ~ 0.237652079.99%3781429.21%65.48%27.31%17.20%2.664.82
90.2377 ~ 0.300052090.00%3641568.87%79.76%30.00%18.62%2.334.37
100.3002 ~ 0.5692520100.00%2992217.28%100.00%42.50%21.01%1.353.76
TOTALS51984106109221.01%—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KSGINI
开发样本0.37170.4956
预留验证样本0.33660.4444
跨时间验证样本(OOT)0.25460.3450

XGBoost

样本KSGINI
开发样本0.62970.8048
预留验证样本0.31050.4176
跨时间验证样本(OOT)0.25210.3374

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0.0821
XGBoost0.0781

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_grade0.0651稳定
risk_score0.0532稳定
bh_CO4001score0.0416稳定
tot_pay_amt_6m_grade0.0398稳定
adr_stability_grade0.0351稳定
bh_a1130.0212稳定
bh_a1040.0204稳定
model_risk_v9_sxiaojin_score0.0188稳定
ScoreCust20.0159稳定
have_car_prob_grade0.0151稳定
ScoreCust10.0144稳定
PY083P0.0132稳定
repay_amt_6m_grade0.0116稳定
model_10344680.0116稳定
cust_seg20.0115稳定
dev_stability_grade20.0092稳定
avg_bal_6m_grade0.0087稳定
model_10344670.0085稳定
zszs_xy_score0.0082稳定
score926630.0078稳定
positive_biz_cnt_1y_grade0.0078稳定
repayment_ability_rank20.0073稳定
risk_v8_slowirr0.0066稳定
score_500210.0053稳定
mobile_fixed_grade0.0049稳定
xmf_v11xj0.0048稳定
dxm_2025v20.0037稳定
model_risk_v9_stongyong_score0.0034稳定
bh_a104 — PSI 0.0204
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, 7.5]21.64%25.15%3.51%0.0053
(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 0.0144
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, 665.5]10.70%12.08%1.38%0.0017
(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, 857.5]5.73%4.79%-0.94%0.0017
(857.5, 887.5]6.70%5.31%-1.39%0.0032
(887.5, inf]6.11%4.67%-1.44%0.0039
ScoreCust2 — PSI 0.0159
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, 684.5]19.09%22.30%3.21%0.0050
(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, 803.5]5.29%4.91%-0.38%0.0003
(803.5, 839.5]8.91%8.29%-0.62%0.0004
(839.5, 866.5]5.11%5.23%0.12%0.0000
(866.5, 920.5]6.74%5.56%-1.18%0.0023
(920.5, inf]5.48%3.75%-1.73%0.0066
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 0.0078
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, 37.38999938964844]8.40%7.82%-0.58%0.0004
(37.38999938964844, 39.962650299072266]4.91%5.66%0.75%0.0011
(39.962650299072266, 42.10270118713379]4.98%5.20%0.22%0.0001
(42.10270118713379, 47.31664848327637]14.54%15.59%1.05%0.0007
(47.31664848327637, 53.08215141296387]17.13%16.94%-0.19%0.0000
(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, 67.49970245361328]15.13%15.43%0.30%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 0.0085
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, 0.08759349957108498]12.45%11.32%-1.14%0.0011
(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, 0.11890449747443199]16.83%16.02%-0.81%0.0004
(0.11890449747443199, 0.16479599475860596]21.23%23.23%2.00%0.0018
(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 0.0116
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, 0.08752300217747688]13.11%12.65%-0.47%0.0002
(0.08752300217747688, 0.09734249860048294]13.69%12.35%-1.34%0.0014
(0.09734249860048294, 0.11911049857735634]18.39%19.09%0.70%0.0003
(0.11911049857735634, 0.14082950353622437]12.42%12.53%0.11%0.0000
(0.14082950353622437, 0.1581215038895607]6.89%7.45%0.57%0.0004
(0.1581215038895607, 0.1907384991645813]7.32%8.52%1.21%0.0018
(0.1907384991645813, inf]6.25%7.95%1.70%0.0041
score_50021 — PSI 0.0053
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, 0.02114999946206808]13.95%14.54%0.59%0.0002
(0.02114999946206808, 0.027050000615417957]12.65%12.26%-0.39%0.0001
(0.027050000615417957, 0.03645000047981739]9.89%10.42%0.54%0.0003
(0.03645000047981739, inf]8.78%8.42%-0.35%0.0001
zszs_xy_score — PSI 0.0082
分栏开发基准比例OOT 比例变更贡献
(-inf, 681.5]6.14%5.10%-1.04%0.0019
(681.5, 689.5]7.09%5.95%-1.13%0.0020
(689.5, 696.5]8.43%8.04%-0.40%0.0002
(696.5, 704.5]12.89%12.18%-0.71%0.0004
(704.5, 707.5]6.00%5.80%-0.20%0.0001
(707.5, 710.5]5.97%5.95%-0.02%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, 749.5]14.76%15.29%0.54%0.0002
(749.5, inf]5.24%5.62%0.38%0.0003
xmf_v11xj — PSI 0.0048
分栏开发基准比例OOT 比例变更贡献
(-inf, 385.5]6.60%7.38%0.78%0.0009
(385.5, 397.5]9.76%10.61%0.85%0.0007
(397.5, 414.5]23.49%23.54%0.05%0.0000
(414.5, 425.5]16.15%14.44%-1.71%0.0019
(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, 455.5]6.74%6.70%-0.04%0.0000
(455.5, 466.5]6.56%6.89%0.33%0.0002
(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 0.0416
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, 41.5]7.79%9.83%2.04%0.0047
(41.5, 43.5]9.23%11.24%2.01%0.0039
(43.5, 45.5]9.87%11.29%1.42%0.0019
(45.5, 47.5]10.96%10.41%-0.55%0.0003
(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 0.0132
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, 617.5]12.33%12.07%-0.26%0.0001
(617.5, 657.5]23.67%25.57%1.90%0.0015
(657.5, 668.5]4.93%5.70%0.77%0.0011
(668.5, 699.5]9.98%11.05%1.07%0.0011
(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 0.0066
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, 31.5]5.37%5.87%0.51%0.0005
(31.5, 35.5]6.10%6.39%0.30%0.0001
(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, 72.5]13.44%12.90%-0.53%0.0002
(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, 4.5]16.39%16.27%-0.12%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 0.0351
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, 5.5]12.90%12.33%-0.57%0.0003
(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 0.0398
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, 5.5]19.77%22.74%2.98%0.0042
(5.5, 6.5]5.22%6.09%0.87%0.0013
(6.5, inf]15.15%18.84%3.69%0.0080
first_loan_length_grade — PSI 0.0651
分栏开发基准比例OOT 比例变更贡献
(-inf, 4.5]21.04%12.10%-8.94%0.0495
(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 0.0087
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, 7.5]26.58%27.16%0.58%0.0001
(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, 5.5]15.37%14.18%-1.19%0.0010
(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ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.5]1378859.98%11822196614.26%6.01
2(0.5, 1.5]285372.39%226958420.47%3.89
3(1.5, 7.5]515794.82%4155100219.43%4.15
4(7.5, inf]1191100.00%99419716.54%5.05
合计2298919240374916.31%5.13
bh_a113
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.5]1378859.98%11822196614.26%6.01
2(0.5, 1.5]541983.55%4385103419.08%4.24
3(1.5, 2.5]201092.29%161139919.85%4.04
4(2.5, inf]1772100.00%142235019.75%4.06
合计2298919240374916.31%5.13
ScoreCust1
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 569.5]14255.48%100542029.47%2.39
2(569.5, 622.5]243714.86%177366427.25%2.67
3(622.5, 665.5]286425.88%222763722.24%3.50
4(665.5, 689.5]180332.82%143836520.24%3.94
5(689.5, 747.5]542653.70%4414101218.65%4.36
6(747.5, 784.5]357067.44%307249813.95%6.17
7(784.5, 833.5]386682.32%341245411.74%7.52
8(833.5, 857.5]144087.86%13351057.29%12.71
9(857.5, 887.5]165694.23%15471096.58%14.19
10(887.5, inf]1499100.00%1432674.47%21.37
合计2598621655433116.67%5.00
ScoreCust2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 550.5]16856.48%118050529.97%2.34
2(550.5, 603.5]253316.23%184868527.04%2.70
3(603.5, 684.5]523736.38%4140109720.95%3.77
4(684.5, 738.5]450853.73%366384518.74%4.33
5(738.5, 786.5]402769.23%343559214.70%5.80
6(786.5, 803.5]135074.42%119715311.33%7.82
7(803.5, 839.5]230683.30%20812259.76%9.25
8(839.5, 866.5]135188.50%1256957.03%13.22
9(866.5, 920.5]168494.98%1602824.87%19.54
10(920.5, inf]1305100.00%1253523.98%24.10
合计2598621655433116.67%5.00
dxm_2025v2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 365.5]13085.03%93337528.67%2.49
2(365.5, 379.5]295216.39%220175125.44%2.93
3(379.5, 386.5]231725.31%179552222.53%3.44
4(386.5, 394.5]317137.51%255461719.46%4.14
5(394.5, 400.5]270347.91%221448918.09%4.53
6(400.5, 412.5]527168.20%447579615.10%5.62
7(412.5, 419.5]238677.38%207830812.91%6.75
8(419.5, 429.5]227686.14%202625010.98%8.10
9(429.5, 444.5]178092.99%16291518.48%10.79
10(444.5, inf]1822100.00%1750723.95%24.31
合计2598621655433116.67%5.00
score92663
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 31.45044994354248]14765.72%1429473.18%30.40
2(31.45044994354248, 37.38999938964844]215514.07%19791768.17%11.24
3(37.38999938964844, 39.962650299072266]134519.28%12151309.67%9.35
4(39.962650299072266, 42.10270118713379]130724.34%115215511.86%7.43
5(42.10270118713379, 47.31664848327637]383039.18%332051013.32%6.51
6(47.31664848327637, 53.08215141296387]447656.52%374273416.40%5.10
7(53.08215141296387, 57.89995002746582]382471.33%310372118.85%4.30
8(57.89995002746582, 60.136199951171875]167077.80%131335721.38%3.68
9(60.136199951171875, 67.49970245361328]385192.72%294590623.53%3.25
10(67.49970245361328, inf]1879100.00%132255729.64%2.37
合计2581321520429316.63%5.01
model_risk_v9_stongyong_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 28.5]14395.57%1390493.41%28.37
2(28.5, 38.5]340318.75%31242798.20%11.20
3(38.5, 44.5]398234.18%353145111.33%7.83
4(44.5, 46.5]164640.55%141722913.91%6.19
5(46.5, 49.5]261850.69%221140715.55%5.43
6(49.5, 51.5]171057.31%142428616.73%4.98
7(51.5, 54.5]257967.30%209048918.96%4.27
8(54.5, 59.5]360581.26%281479121.94%3.56
9(59.5, 64.5]256591.20%194062524.37%3.10
10(64.5, inf]2273100.00%158568830.27%2.30
合计2582021526429416.63%5.01
model_risk_v9_sxiaojin_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 29.5]16516.39%1586653.94%24.40
2(29.5, 36.5]262016.54%24112097.98%11.54
3(36.5, 42.5]446233.82%395450811.39%7.78
4(42.5, 46.5]383548.68%328555014.34%5.97
5(46.5, 48.5]210356.82%176433916.12%5.20
6(48.5, 50.5]192864.29%158933917.58%4.69
7(50.5, 53.5]266474.60%212953520.08%3.98
8(53.5, 58.5]330087.39%252078023.64%3.23
9(58.5, 62.5]170794.00%123547227.65%2.62
10(62.5, inf]1550100.00%105349732.06%2.12
合计2582021526429416.63%5.01
model_1034467
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.07106450200080872]24259.72%22841415.81%16.20
2(0.07106450200080872, 0.07795150205492973]198117.67%176521610.90%8.17
3(0.07795150205492973, 0.08759349957108498]306129.94%271234911.40%7.77
4(0.08759349957108498, 0.09358850121498108]193437.69%166826613.75%6.27
5(0.09358850121498108, 0.10140899941325188]272448.62%226945516.70%4.99
6(0.10140899941325188, 0.11890449747443199]416265.30%336679619.13%4.23
7(0.11890449747443199, 0.16479599475860596]538686.90%4325106119.70%4.08
8(0.16479599475860596, 0.20841799676418304]201995.00%151850124.81%3.03
9(0.20841799676418304, inf]1248100.00%89535328.29%2.54
合计2494020802413816.59%5.03
model_1034468
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.07161249965429306]16316.54%1542895.46%17.33
2(0.07161249965429306, 0.07378850132226944]132111.84%12141078.10%11.35
3(0.07378850132226944, 0.07850050181150436]238121.38%208829312.31%7.13
4(0.07850050181150436, 0.08752300217747688]323034.33%275048014.86%5.73
5(0.08752300217747688, 0.09734249860048294]335347.78%281154216.16%5.19
6(0.09734249860048294, 0.11911049857735634]468266.55%385982317.58%4.69
7(0.11911049857735634, 0.14082950353622437]307578.88%248958619.06%4.25
8(0.14082950353622437, 0.1581215038895607]175285.91%137937321.29%3.70
9(0.1581215038895607, 0.1907384991645813]187793.43%145542222.48%3.45
10(0.1907384991645813, inf]1638100.00%121542325.82%2.87
合计2494020802413816.59%5.03
score_50021
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.005050000036135316]17937.05%1710834.63%20.60
2(0.005050000036135316, 0.007250000024214387]205515.13%18821738.42%10.88
3(0.007250000024214387, 0.009150000289082527]199222.96%178221010.54%8.49
4(0.009150000289082527, 0.012349999975413084]348036.64%302945112.96%6.72
5(0.012349999975413084, 0.015250000171363354]309848.82%264045814.78%5.76
6(0.015250000171363354, 0.01674999948590994]150954.76%126724216.04%5.24
7(0.01674999948590994, 0.02114999946206808]358868.86%294464417.95%4.57
8(0.02114999946206808, 0.027050000615417957]320181.45%247972222.56%3.43
9(0.027050000615417957, 0.03645000047981739]254891.47%193661224.02%3.16
10(0.03645000047981739, inf]2170100.00%153263829.40%2.40
合计2543421201423316.64%5.01
zszs_xy_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 681.5]14865.80%110038625.98%2.85
2(681.5, 689.5]172112.52%129143024.99%3.00
3(689.5, 696.5]212220.81%165746521.91%3.56
4(696.5, 704.5]328133.62%265862318.99%4.27
5(704.5, 707.5]150739.51%124126617.65%4.67
6(707.5, 710.5]153245.49%126426817.49%4.72
7(710.5, 716.5]291956.89%246545415.55%5.43
8(716.5, 730.5]579379.51%494285114.69%5.81
9(730.5, 749.5]387294.63%345841410.69%8.35
10(749.5, inf]1376100.00%12761007.27%12.76
合计2560921352425716.62%5.02
xmf_v11xj
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 385.5]17546.83%136538922.18%3.51
2(385.5, 397.5]255916.78%201654321.22%3.71
3(397.5, 414.5]600640.16%4864114219.01%4.26
4(414.5, 425.5]400255.73%328471817.94%4.57
5(425.5, 438.5]343369.09%285657716.81%4.95
6(438.5, 445.5]153175.05%130522614.76%5.77
7(445.5, 455.5]178581.99%155523012.89%6.76
8(455.5, 466.5]169688.59%149420211.91%7.40
9(466.5, 480.5]153894.58%137316510.73%8.32
10(480.5, inf]1393100.00%1306876.25%15.01
合计2569721418427916.65%5.01
bh_CO4001score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 34.5]15936.13%1507865.40%17.52
2(34.5, 37.5]163312.42%14891448.82%10.34
3(37.5, 39.5]174719.14%155219511.16%7.96
4(39.5, 41.5]215927.45%186029913.85%6.22
5(41.5, 43.5]257437.36%220636814.30%5.99
6(43.5, 45.5]270447.76%228142315.64%5.39
7(45.5, 47.5]283658.68%237146516.40%5.10
8(47.5, 50.5]402674.17%328674018.38%4.44
9(50.5, 55.5]467992.18%3598108123.10%3.33
10(55.5, inf]2032100.00%150253026.08%2.83
合计2598321652433116.67%5.00
PY083P
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 542.5]22788.82%167560326.47%2.78
2(542.5, 570.5]242618.21%183659024.32%3.11
3(570.5, 582.5]148323.96%115732621.98%3.55
4(582.5, 599.5]245933.48%196449520.13%3.97
5(599.5, 617.5]312145.56%256755417.75%4.63
6(617.5, 657.5]632770.06%536396415.24%5.56
7(657.5, 668.5]134575.27%117217312.86%6.77
8(668.5, 699.5]268885.68%237431411.68%7.56
9(699.5, 730.5]164592.05%147417110.40%8.62
10(730.5, inf]2054100.00%19501045.06%18.75
合计2582621532429416.63%5.01
risk_v8_slowirr
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 17.5]13955.40%1354412.94%33.02
2(17.5, 27.5]264315.64%24352087.87%11.71
3(27.5, 31.5]142421.16%127614810.39%8.62
4(31.5, 35.5]161127.40%142618511.48%7.71
5(35.5, 45.5]469645.59%401967714.42%5.94
6(45.5, 54.5]433562.39%356976617.67%4.66
7(54.5, 60.5]286373.48%231554819.14%4.22
8(60.5, 63.5]136378.76%107928420.84%3.80
9(63.5, 72.5]338191.86%256881324.05%3.16
10(72.5, inf]2102100.00%147962329.64%2.37
合计2581321520429316.63%5.01
mobile_fixed_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 4.5]426316.46%353073317.19%4.82
2(4.5, 5.5]171623.09%138932719.06%4.25
3(5.5, 6.5]300834.70%238961920.58%3.86
4(6.5, 7.5]585157.30%4733111819.11%4.23
5(7.5, 8.5]465175.26%389975216.17%5.18
6(8.5, 9.5]440792.27%385755012.48%7.01
7(9.5, inf]2001100.00%179520610.29%8.71
合计2589721592430516.62%5.02
adr_stability_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 2.5]738528.52%5728165722.44%3.46
2(2.5, 5.5]334341.43%270563819.08%4.24
3(5.5, 6.5]254651.26%211742916.85%4.93
4(6.5, 7.5]393266.44%333160115.28%5.54
5(7.5, 8.5]311778.48%271740012.83%6.79
6(8.5, 9.5]324391.00%287736611.29%7.86
7(9.5, inf]2331100.00%21172149.18%9.89
合计2589721592430516.62%5.02
have_car_prob_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]1546859.73%12453301519.49%4.13
2(1.5, inf]10429100.00%9139129012.37%7.08
合计2589721592430516.62%5.02
tot_pay_amt_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]898234.68%7029195321.74%3.60
2(1.5, 2.5]351248.24%292159116.83%4.94
3(2.5, 3.5]243857.66%207336514.97%5.68
4(3.5, 5.5]534878.31%462072813.61%6.35
5(5.5, 6.5]141883.79%123818012.69%6.88
6(6.5, inf]4199100.00%371148811.62%7.60
合计2589721592430516.62%5.02
first_loan_length_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 4.5]467518.05%3547112824.13%3.14
2(4.5, 5.5]186225.24%146839421.16%3.73
3(5.5, 6.5]245634.73%197248419.71%4.07
4(6.5, inf]16904100.00%14605229913.60%6.35
合计2589721592430516.62%5.02
avg_bal_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]1270349.06%10084261920.62%3.85
2(1.5, 3.5]337862.10%286651215.16%5.60
3(3.5, 7.5]699389.11%611288112.60%6.94
4(7.5, inf]2821100.00%253029110.32%8.69
合计2589521592430316.62%5.02
repay_amt_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]1290549.83%10199270620.97%3.77
2(1.5, 3.5]290161.03%239750417.37%4.76
3(3.5, 4.5]178467.92%150827615.47%5.46
4(4.5, 5.5]267978.27%232435513.25%6.55
5(5.5, 6.5]235687.37%21262309.76%9.24
6(6.5, inf]3272100.00%30382347.15%12.98
合计2589721592430516.62%5.02
positive_biz_cnt_1y_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]734628.37%5806154020.96%3.77
2(1.5, 5.5]386443.29%312374119.18%4.21
3(5.5, 9.5]171749.92%144527215.84%5.31
4(9.5, inf]12970100.00%11218175213.51%6.40
合计2589721592430516.62%5.02
risk_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]625824.16%58304286.84%13.62
2(1.5, 2.5]878058.07%7496128414.62%5.84
3(2.5, 3.5]485176.80%386998220.24%3.94
4(3.5, 4.5]286487.86%215071424.93%3.01
5(4.5, 5.5]155093.84%111943127.81%2.60
6(5.5, inf]1594100.00%112846629.23%2.42
合计2589721592430516.62%5.02
cust_seg2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 2.5]587222.67%53255479.32%9.73
2(2.5, 3.5]1345274.62%11295215716.03%5.24
3(3.5, inf]6573100.00%4972160124.36%3.11
合计2589721592430516.62%5.02
dev_stability_grade2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]314012.12%273340712.96%6.71
2(1.5, 2.5]1065653.27%9068158814.90%5.71
3(2.5, 3.5]656678.63%5405116117.68%4.66
4(3.5, inf]5535100.00%4386114920.76%3.82
合计2589721592430516.62%5.02
repayment_ability_rank2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]266010.27%237628410.68%8.37
2(1.5, 2.5]704137.46%604699514.13%6.08
3(2.5, 3.5]937673.66%7724165217.62%4.68
4(3.5, inf]6820100.00%5446137420.15%3.96
合计2589721592430516.62%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_grade0.3933
risk_score0.2053
ScoreCust20.1812
score_500210.1793
avg_bal_6m_grade0.1698
dxm_2025v20.1691
ScoreCust10.1218
first_loan_length_grade0.1098
model_risk_v9_sxiaojin_score0.1048
model_10344670.0784

区分度验证 — LR + WOE 评分卡 @ OOT

KS = 0.2546，GINI = 0.3450

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0095 ~ 0.044352010.00%4962412.08%2.20%4.62%4.62%20.6720.67
20.0443 ~ 0.064852020.01%4615911.23%7.60%11.35%7.98%7.8111.53
30.0648 ~ 0.085852030.01%4457510.84%14.47%14.42%10.13%5.938.87
40.0859 ~ 0.106951940.00%4338610.55%22.34%16.57%11.74%5.037.52
50.1069 ~ 0.130752050.00%4279310.40%30.86%17.88%12.97%4.596.71
60.1308 ~ 0.159252060.00%4081129.94%41.12%21.54%14.40%3.645.95
70.1592 ~ 0.194951969.99%3951249.62%52.47%23.89%15.75%3.195.35
80.1949 ~ 0.237652079.99%3781429.21%65.48%27.31%17.20%2.664.82
90.2377 ~ 0.300052090.00%3641568.87%79.76%30.00%18.62%2.334.37
100.3002 ~ 0.5692520100.00%2992217.28%100.00%42.50%21.01%1.353.76
TOTALS51984106109221.01%—3.76