风控模型开发验证报告

实验 ID: DEV-20260908-214026-edb2 · 生成时间: 2026-09-08 13:40 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MON-20260908-fail
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monitor fail -> retrain
模型适用产品/客户描述（人工填写）
模型重开发原因（如有）—
模型拟监控频率（人工填写）
模型路线LR + WOE 评分卡
目标变量flag_30
实验 IDDEV-20260908-214026-edb2
待补充：模型开发/验证人员、应用频率、产品描述等字段需人工补填。

01 模型设计

建模数据样本窗口

项目内容
切分方式时间切分
开发样本(Train)窗口2025-03-01 ~ 2025-04-30
预留验证样本(Val)窗口2025-05-01 ~ 2025-05-14
跨时间验证样本(OOT)窗口2025-05-15 ~ 2026-04-17

模型好坏定义

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

样本排除规则

序号排除规则说明
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1582213184263816.67%
预留验证样本5210457663412.17%

注：当前流程未做样本加权（权重均为1），如需坏样本加权需在上游扩展。

OOT 时点 / PSI 时点

类别样本数好样本坏样本坏样本率
跨时间验证样本(OOT)49543894106021.40%

03 单变量分析（细分箱）

risk_score — IV 0.0909，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]398137272546.38%0.2728
2(1.5, 2.5]5083436272114.18%0.0718
3(2.5, 3.5]2829224258720.75%-0.0757
4(3.5, 4.5]1751133142023.99%-0.0929
5(4.5, inf]2112146864430.49%-0.1973
model_risk_v9_stongyong_score — IV 0.0840，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 38.5]295027801705.76%0.2313
2(38.5, 44.5]2366211525110.61%0.1039
3(44.5, 48.5]2044174829614.48%0.0321
4(48.5, 59.5]53404312102819.25%-0.0753
5(59.5, inf]3003214086328.74%-0.2251
model_risk_v9_sxiaojin_score — IV 0.0794，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 35.5]226021431175.18%0.1972
2(35.5, 42.5]290226162869.86%0.1378
3(42.5, 50.5]4664396070415.09%0.0413
4(50.5, 58.5]3732289383922.48%-0.1308
5(58.5, inf]2145148366230.86%-0.2064
ScoreCust2 — IV 0.0780，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 603.5]2598186273628.33%-0.1948
2(603.5, 747.5]62104956125420.19%-0.1078
3(747.5, 802.5]2807242238513.72%0.0567
4(802.5, 844.5]162514841418.68%0.1014
5(844.5, inf]258224611214.69%0.2294
ScoreCust1 — IV 0.0736，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 622.5]2312166764527.90%-0.1728
2(622.5, 707.5]3786296482221.71%-0.1133
3(707.5, 749.5]2358191943918.62%-0.0319
4(749.5, 833.5]4436386856812.80%0.1034
5(833.5, inf]293027671635.56%0.2339
risk_v8_slowirr — IV 0.0727，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 31.5]326330651986.07%0.2427
2(31.5, 46.5]4029349253713.33%0.0826
3(46.5, 61.5]4358355680218.40%-0.0456
4(61.5, 70.5]2251173551622.92%-0.0984
5(70.5, inf]1797124355430.83%-0.1803
score_50021 — IV 0.0719，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.007949999999254942]281026431675.94%0.2210
2(0.007949999999254942, 0.014750000089406967]4433387256112.66%0.1073
3(0.014750000089406967, 0.02075000014156103]3214265955517.27%-0.0144
4(0.02075000014156103, 0.03425000049173832]3421262479723.30%-0.1419
5(0.03425000049173832, inf]1593110748630.51%-0.1629
dxm_2025v2 — IV 0.0692，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 387.5]43053218108725.25%-0.2037
2(387.5, 398.5]2744221453019.31%-0.0483
3(398.5, 412.5]3745314859715.94%0.0169
4(412.5, 425.5]2352208526711.35%0.0904
5(425.5, inf]267625201565.83%0.2119
first_loan_length_grade — IV 0.0641，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.5]3294243585926.08%-0.1879
2(4.5, 6.5]2680212855220.60%-0.0702
3(6.5, inf]97828567121512.42%0.1799
bh_CO4001score — IV 0.0641，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 39.5]284126451966.90%0.1988
2(39.5, 45.5]4252366658613.78%0.0745
3(45.5, 47.5]1728144927916.15%0.0068
4(47.5, 50.5]2508205445418.10%-0.0247
5(50.5, inf]44923370112224.98%-0.2028
cust_seg2 — IV 0.0638，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]361333192948.14%0.2071
2(2.5, 3.5]79146652126215.95%0.0262
3(3.5, inf]42293159107025.30%-0.2032
repay_amt_6m_grade — IV 0.0630，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]81076344176321.75%-0.1751
2(1.5, 4.5]2733227046316.94%-0.0051
3(4.5, 6.5]2873258528810.02%0.1337
4(6.5, inf]204319311125.48%0.1760
score92663 — IV 0.0610，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 38.77465057373047]259324441495.75%0.2090
2(38.77465057373047, 46.850149154663086]3187283535211.04%0.1208
3(46.850149154663086, 59.89684867858887]61865058112818.23%-0.0509
4(59.89684867858887, 66.31809997558594]2218169852023.44%-0.1051
5(66.31809997558594, inf]1514105645830.25%-0.1515
adr_stability_grade — IV 0.0570，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.5]52974049124823.56%-0.1877
2(3.5, 5.5]1602128731519.66%-0.0360
3(5.5, 7.5]3815324557014.94%0.0411
4(7.5, 8.5]1751154820311.59%0.0680
5(8.5, inf]329130012908.81%0.1769
model_1034467 — IV 0.0496，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.0710735023021698]15351453825.34%0.1437
2(0.0710735023021698, 0.0934550017118454]4188372546311.06%0.1487
3(0.0934550017118454, 0.10137400031089783]1681138329817.73%-0.0158
4(0.10137400031089783, 0.16508999466896057]57874620116720.17%-0.1104
5(0.16508999466896057, inf]1921143448725.35%-0.1245
tot_pay_amt_6m_grade — IV 0.0488，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]58714534133722.77%-0.1771
2(1.5, 2.5]2131178135016.42%0.0037
3(2.5, 5.5]4544392362113.67%0.0812
4(5.5, inf]321028923189.91%0.1481
PY083P — IV 0.0466，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 571.5]3126230482226.30%-0.1874
2(571.5, 597.5]2218177144720.15%-0.0554
3(597.5, 674.5]69865907107915.45%0.0399
4(674.5, 719.5]186816841849.85%0.0968
5(719.5, inf]15111435765.03%0.1414
have_car_prob_grade — IV 0.0447，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]96337705192820.01%-0.1272
2(1.5, inf]6123542569811.40%0.1760
positive_biz_cnt_1y_grade — IV 0.0357，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]46733655101821.78%-0.1314
2(1.5, 2.5]1523124128218.52%-0.0214
3(2.5, 8.5]1656134131519.02%-0.0292
4(8.5, inf]79046893101112.79%0.1468
model_1034468 — IV 0.0332，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.07395549863576889]190717891186.19%0.1594
2(0.07395549863576889, 0.08735150098800659]3340288545513.62%0.0659
3(0.08735150098800659, 0.09519950300455093]1735145428116.20%0.0044
4(0.09519950300455093, 0.13253449648618698]4357354481318.66%-0.0556
5(0.13253449648618698, inf]3773294383022.00%-0.1268
zszs_xy_score — IV 0.0328，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 686.5]1595118041526.02%-0.1118
2(686.5, 696.5]1776136641023.09%-0.0849
3(696.5, 712.5]4431363579617.96%-0.0358
4(712.5, 731.5]4836413869814.43%0.0607
5(731.5, inf]293326702638.97%0.1590
avg_bal_6m_grade — IV 0.0325，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]78776243163420.74%-0.1402
2(1.5, 3.5]2058172133716.38%0.0044
3(3.5, 5.5]2042179125112.29%0.0663
4(5.5, 7.5]2142187926312.28%0.0691
5(7.5, inf]163714961418.61%0.1033
mobile_fixed_grade — IV 0.0266，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.5]2582211047218.28%-0.0284
2(4.5, 6.5]2921228463721.81%-0.0970
3(6.5, 7.5]3633294868518.85%-0.0489
4(7.5, 8.5]2735230842715.61%0.0197
5(8.5, inf]3885348040510.42%0.1565
repayment_ability_rank2 — IV 0.0256，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]166515061599.55%0.0922
2(1.5, 2.5]4245370454112.74%0.1023
3(2.5, 3.5]55514551100018.01%-0.0396
4(3.5, inf]4295336992621.56%-0.1195
xmf_v11xj — IV 0.0243，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 397.5]2559198257722.55%-0.1021
2(397.5, 433.5]75236139138418.40%-0.0617
3(433.5, 444.5]1553130924415.71%0.0109
4(444.5, 468.5]2339207226711.42%0.0892
5(468.5, inf]164815241247.52%0.1190
dev_stability_grade2 — IV 0.0179，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1847162122612.24%0.0619
2(1.5, 2.5]6332542790514.29%0.0782
3(2.5, 3.5]3996328571117.79%-0.0270
4(3.5, inf]3581279778421.89%-0.1133
have_fang_prob_grade — IV 0.0144，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]105128578193418.40%-0.0696
2(1.5, inf]5244455269213.20%0.1034
bh_a113 — IV 0.0137，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]84567268118814.05%0.0845
2(0.5, 1.5]3227260861919.18%-0.0721
3(1.5, inf]2098169240619.35%-0.0560
bh_a104 — IV 0.0129，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]84567268118814.05%0.0845
2(0.5, 1.5]1725135836721.28%-0.0755
3(1.5, 3.5]1918156435418.46%-0.0382
4(3.5, inf]1682137830418.07%-0.0290
last_6m_avg_asset_total_grade — IV 0.0125，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]79906463152719.11%-0.0861
2(1.5, 3.5]4197354565215.53%0.0286
3(3.5, 5.5]1839158325613.92%0.0379
4(5.5, inf]1730153919111.04%0.0748
bh_a112 — IV 0.0116，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96788263141514.62%0.0637
2(0.5, inf]4103330579819.45%-0.0910
bh_h171 — IV 0.0115，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 9.069999694824219]98988447145114.66%0.0625
2(9.069999694824219, inf]3883312176219.62%-0.0924
bh_h163 — IV 0.0101，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 11.444999694824219]106369056158014.86%0.0552
2(11.444999694824219, inf]3145251263320.13%-0.0917
bh_a220 — IV 0.0101，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 54.10999870300293]73436299104414.22%0.0724
2(54.10999870300293, 63.2450008392334]1687142026715.83%0.0034
3(63.2450008392334, 68.81999969482422]1401116223917.06%-0.0124
4(68.81999969482422, 5098.075000762939]1869147039921.35%-0.0814
5(5098.075000762939, inf]1471120826317.88%-0.0235
bh_a102 — IV 0.0092，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]111879511167614.98%0.0503
2(0.5, inf]2594205753720.70%-0.0914
bh_a111 — IV 0.0092，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]111879511167614.98%0.0503
2(0.5, inf]2594205753720.70%-0.0914
bh_a103 — IV 0.0090，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96788263141514.62%0.0637
2(0.5, 1.5]1545122831720.52%-0.0594
3(1.5, inf]2558207748118.80%-0.0541
bh_a211 — IV 0.0082，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.9649999737739563]1490126822214.90%0.0154
2(1.9649999737739563, 23.835000038146973]1748155019811.33%0.0729
3(23.835000038146973, 53.68000030517578]4033341561815.32%0.0204
4(53.68000030517578, 67.01499938964844]2138177636216.93%-0.0152
5(67.01499938964844, inf]4362355081218.62%-0.0717
bh_h155 — IV 0.0079，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 15.6899995803833]115569811174515.10%0.0452
2(15.6899995803833, inf]2225175746821.03%-0.0875
bh_a047 — IV 0.0069，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]91497781136814.95%0.0476
2(0.5, 2.5]2257189536216.04%0.0004
3(2.5, inf]2375189248320.34%-0.0792
score_dz — IV 0.0069，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 549.0]1384114923516.98%-0.0114
2(549.0, 630.0]5030411591518.19%-0.0652
3(630.0, 701.0]2330197135915.41%0.0123
4(701.0, 780.0]2343204429912.76%0.0634
5(780.0, inf]2699229340615.04%0.0214
BH_A342 — IV 0.0064，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]6249532192814.85%0.0433
2(0.5, 1.5]2263190136216.00%0.0011
3(1.5, 4.5]2787236542215.14%0.0197
4(4.5, inf]2482198150120.19%-0.0789
bh_a056 — IV 0.0064，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]91497781136814.95%0.0476
2(0.5, 1.5]2346196238416.37%-0.0058
3(1.5, inf]2286182546120.17%-0.0740
bh_a009 — IV 0.0059，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.5]4362357578718.04%-0.0560
2(3.5, 5.5]1343113820515.26%0.0096
3(5.5, 10.5]2124177135316.62%-0.0098
4(10.5, 32.5]3808328852013.66%0.0649
5(32.5, inf]2144179634816.23%-0.0030
bh_h001 — IV 0.0059，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]4780408070014.64%0.0436
2(1.5, 2.5]3876330357314.78%0.0345
3(2.5, 3.5]2672221046217.29%-0.0253
4(3.5, inf]2458197947919.49%-0.0654
bh_h006 — IV 0.0059，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.10499999672174454]1599134025916.20%-0.0019
2(0.10499999672174454, 1.215000033378601]3406291449214.45%0.0401
3(1.215000033378601, 2.0649999380111694]1818157624213.31%0.0432
4(2.0649999380111694, 3.4850000143051147]2501209840316.11%-0.0011
5(3.4850000143051147, inf]4457364081718.33%-0.0648
bh_a101 — IV 0.0057，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1228610405188115.31%0.0360
2(0.5, inf]1495116333222.21%-0.0792
bh_a110 — IV 0.0057，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1228610405188115.31%0.0360
2(0.5, inf]1495116333222.21%-0.0792
bh_h005 — IV 0.0056，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.23499999940395355]3272275152115.92%0.0032
2(0.23499999940395355, 1.1349999904632568]2522218034213.56%0.0505
3(1.1349999904632568, 2.284999966621399]3041258545615.00%0.0244
4(2.284999966621399, 4.055000066757202]2376198639016.41%-0.0068
5(4.055000066757202, inf]2570206650419.61%-0.0699
bh_h007 — IV 0.0056，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.0549999475479126]3327281551215.39%0.0163
2(1.0549999475479126, 1.9950000047683716]2303200729612.85%0.0608
3(1.9950000047683716, 3.34499990940094]2424200941517.12%-0.0204
4(3.34499990940094, 4.704999923706055]1651140125015.14%0.0132
5(4.704999923706055, inf]4076333674018.16%-0.0567
BH_A356 — IV 0.0055，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]1494127222214.86%0.0159
2(0.5, 1.5]2593224335013.50%0.0529
3(1.5, 3.5]3737315957815.47%0.0155
4(3.5, 5.5]1987165633116.66%-0.0099
5(5.5, inf]3970323873218.44%-0.0632
bh_a210 — IV 0.0054，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.884999990463257]1861158028115.10%0.0169
2(3.884999990463257, 26.545000076293945]1678147120712.34%0.0576
3(26.545000076293945, 56.55000114440918]3599299860116.70%-0.0144
4(56.55000114440918, 67.02499771118164]1609137423514.61%0.0222
5(67.02499771118164, inf]4610377883218.05%-0.0564
bh_a219 — IV 0.0054，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 47.21500015258789]4628393569314.97%0.0357
2(47.21500015258789, 51.78499984741211]2030175028013.79%0.0410
3(51.78499984741211, 63.52499961853027]1577132325416.11%0.0005
4(63.52499961853027, 74.7750015258789]1784148330116.87%-0.0113
5(74.7750015258789, inf]3338271062818.81%-0.0644
BH_A352 — IV 0.0053，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]6249532192814.85%0.0433
2(0.5, 1.5]3584302955515.49%0.0146
3(1.5, 2.5]1799150229716.51%-0.0069
4(2.5, inf]2149171643320.15%-0.0704
BH_A353 — IV 0.0052，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5197442477314.87%0.0383
2(0.5, 1.5]3686314354314.73%0.0347
3(1.5, 3.5]3158261554317.19%-0.0263
4(3.5, inf]1740138635420.34%-0.0628
bh_h002 — IV 0.0052，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.8449999988079071]91627760140215.30%0.0324
2(0.8449999988079071, 1.5950000286102295]1486124324316.35%-0.0039
3(1.5950000286102295, 2.4350000619888306]1373117819514.20%0.0231
4(2.4350000619888306, inf]1760138737321.19%-0.0756
bh_a126 — IV 0.0051，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]77226522120015.54%0.0205
2(0.5, 1.5]3356287048614.48%0.0388
3(1.5, inf]2703217652719.50%-0.0702
bh_a179 — IV 0.0050，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 14.974999904632568]6101520889314.64%0.0587
2(14.974999904632568, 22.34000015258789]1492122626617.83%-0.0232
3(22.34000015258789, 31.18000030517578]119496722719.01%-0.0333
4(31.18000030517578, 46.58999824523926]1198100219616.36%-0.0019
5(46.58999824523926, inf]2302189340917.77%-0.0311
bh_h004 — IV 0.0050，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.125]4204354466015.70%0.0101
2(0.125, 1.2450000047683716]2911251339813.67%0.0535
3(1.2450000047683716, 2.4350000619888306]2660225540515.23%0.0173
4(2.4350000619888306, 5.134999990463257]2673220047317.70%-0.0336
5(5.134999990463257, inf]1333105627720.78%-0.0557
bh_h003 — IV 0.0049，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.8149999976158142]73566219113715.46%0.0232
2(0.8149999976158142, 1.4950000047683716]1445120923616.33%-0.0035
3(1.4950000047683716, 2.6049998998641968]2137185428313.24%0.0503
4(2.6049998998641968, 4.125]1470120326718.16%-0.0272
5(4.125, inf]1373108329021.12%-0.0611
bh_a178 — IV 0.0048，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.609999895095825]5326455077614.57%0.0570
2(4.609999895095825, 9.46500015258789]1266106719915.72%0.0061
3(9.46500015258789, 16.09999942779541]1541127226917.46%-0.0184
4(16.09999942779541, 30.90000057220459]1785145033518.77%-0.0419
5(30.90000057220459, inf]2369195741217.39%-0.0241
bh_a218 — IV 0.0046，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 20.71500015258789]2262193233014.59%0.0302
2(20.71500015258789, 45.80000114440918]1935161432116.59%-0.0085
3(45.80000114440918, 58.11000061035156]2409207733213.78%0.0487
4(58.11000061035156, 91.29000091552734]3161258158018.35%-0.0549
5(91.29000091552734, inf]2690224744316.47%-0.0081
BH_A340 — IV 0.0046，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98218309151215.40%0.0292
2(0.5, 1.5]1921163528614.89%0.0191
3(1.5, inf]2039162441520.35%-0.0710
BH_A354 — IV 0.0045，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3341283850315.06%0.0245
2(0.5, 1.5]3503301548813.93%0.0542
3(1.5, 3.5]3727310762016.64%-0.0149
4(3.5, 5.5]1706138931718.58%-0.0367
5(5.5, inf]1504121928518.95%-0.0379
bh_h011 — IV 0.0045，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.9649999737739563]77166560115614.98%0.0428
2(0.9649999737739563, 2.1350001096725464]2197182137617.11%-0.0188
3(2.1350001096725464, 3.25]1456123622015.11%0.0123
4(3.25, inf]2412195146119.11%-0.0576
BH_A343 — IV 0.0045，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5197442477314.87%0.0383
2(0.5, 1.5]2176185432214.80%0.0226
3(1.5, 4.5]2996252846815.62%0.0099
4(4.5, 7.5]1432117425818.02%-0.0248
5(7.5, inf]1980158839219.80%-0.0607
bh_a160 — IV 0.0044，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 5.5]1825146835719.56%-0.0550
2(5.5, 18.5]2574214842616.55%-0.0076
3(18.5, 29.5]1281109918214.21%0.0251
4(29.5, 59.5]1827150931817.41%-0.0200
5(59.5, inf]4997425574214.85%0.0447
bh_a066 — IV 0.0043，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]6466551395314.74%0.0482
2(1.5, 4.5]2209179241718.88%-0.0499
3(4.5, 8.5]1693142227116.01%0.0008
4(8.5, 17.5]1844151732717.73%-0.0260
5(17.5, inf]1569132424515.62%0.0061
bh_a119 — IV 0.0043，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3832323659615.55%0.0135
2(0.5, 2.5]3464294452015.01%0.0262
3(2.5, 4.5]2019173628314.02%0.0347
4(4.5, 9.5]2461204841316.78%-0.0141
5(9.5, inf]2005160440120.00%-0.0645
bh_a201 — IV 0.0042，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 47.72500038146973]4651388976216.38%-0.0057
2(47.72500038146973, 61.64999961853027]2227191631113.96%0.0445
3(61.64999961853027, 95.32500076293945]2203181239117.75%-0.0297
4(95.32500076293945, 10150.0]1585136921613.63%0.0394
5(10150.0, inf]1621131031119.19%-0.0452
bh_h010 — IV 0.0041，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.165000081062317]87687453131515.00%0.0447
2(2.165000081062317, 2.274999976158142]1611132328817.88%-0.0253
3(2.274999976158142, 2.784999966621399]1523127225116.48%-0.0057
4(2.784999966621399, inf]1879152035919.11%-0.0477
BH_A341 — IV 0.0041，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]79946765122915.37%0.0275
2(0.5, 2.5]3345283750815.19%0.0213
3(2.5, inf]2442196647619.49%-0.0652
bh_a062 — IV 0.0040，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]96918196149515.43%0.0276
2(0.5, 1.5]1373117519814.42%0.0203
3(1.5, inf]2717219752019.14%-0.0633
bh_a132 — IV 0.0040，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]1327110522216.73%-0.0080
2(1.5, 5.5]5326455377314.51%0.0508
3(5.5, 7.5]1557128826917.28%-0.0166
4(7.5, 10.5]1667140925815.48%0.0084
5(10.5, inf]3904321369117.70%-0.0434
BH_A345 — IV 0.0040，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]3672314552714.35%0.0447
2(1.5, 3.5]2088173934916.71%-0.0113
3(3.5, 5.5]1450124021014.48%0.0205
4(5.5, 9.5]1822153728515.64%0.0065
5(9.5, inf]4749390784217.73%-0.0498
bh_a150 — IV 0.0039，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]57024702100017.54%-0.0489
2(0.5, 1.5]3489296252715.10%0.0240
3(1.5, 3.5]3022253648616.08%-0.0005
4(3.5, inf]1568136820012.76%0.0461
BH_A350 — IV 0.0038，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98218309151215.40%0.0292
2(0.5, 1.5]2637222441315.66%0.0082
3(1.5, inf]1323103528821.77%-0.0667
bh_a117 — IV 0.0038，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]77226522120015.54%0.0205
2(0.5, 1.5]2293196632714.26%0.0337
3(1.5, 3.5]2053171733616.37%-0.0052
4(3.5, inf]1713136335020.43%-0.0632
bh_a209 — IV 0.0037，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 36.415000915527344]4255364660914.31%0.0548
2(36.415000915527344, 65.4849967956543]3081255652517.04%-0.0228
3(65.4849967956543, 76.34000015258789]121398622718.71%-0.0312
4(76.34000015258789, 10150.0]2103176833515.93%0.0032
5(10150.0, inf]1805149531017.17%-0.0177
BH_A355 — IV 0.0037，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2247191733014.69%0.0252
2(0.5, 1.5]3054262942513.92%0.0496
3(1.5, 5.5]5678473894016.56%-0.0166
4(5.5, 8.5]1425115027519.30%-0.0406
5(8.5, inf]1377113424317.65%-0.0195
bh_a177 — IV 0.0036，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.9350000619888306]73476233111415.16%0.0424
2(3.9350000619888306, 10.889999866485596]1873152135218.79%-0.0439
3(10.889999866485596, 24.3149995803833]1395116822716.27%-0.0009
4(24.3149995803833, inf]1672137429817.82%-0.0253
BH_A351 — IV 0.0036，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]79946765122915.37%0.0275
2(0.5, 1.5]3331282051115.34%0.0175
3(1.5, inf]2456198347319.26%-0.0611
bh_a141 — IV 0.0036，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]57024702100017.54%-0.0489
2(0.5, 1.5]2066175431215.10%0.0165
3(1.5, 3.5]2298192637216.19%-0.0024
4(3.5, 6.5]1775151226314.82%0.0190
5(6.5, inf]1940167426613.71%0.0388
bh_a120 — IV 0.0035，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.5]71436043110015.40%0.0251
2(3.5, 6.5]2185188330213.82%0.0405
3(6.5, 9.5]1337110922817.05%-0.0119
4(9.5, 16.5]1699137132819.31%-0.0469
5(16.5, inf]1417116225518.00%-0.0243
BH_A344 — IV 0.0035，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]5209444076914.76%0.0420
2(1.5, 5.5]3869327559415.35%0.0189
3(5.5, 9.5]1733143130217.43%-0.0203
4(9.5, 16.5]1518122229619.50%-0.0454
5(16.5, inf]1452120025217.36%-0.0167
bh_a199 — IV 0.0035，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 8.21999979019165]5001426373814.76%0.0486
2(8.21999979019165, 22.795000076293945]1602132927317.04%-0.0127
3(22.795000076293945, 44.94499969482422]2419199542417.53%-0.0273
4(44.94499969482422, 56.69499969482422]1298109720115.49%0.0093
5(56.69499969482422, inf]1967161235518.05%-0.0326
bh_h012 — IV 0.0033，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.9049999713897705]5865497189415.24%0.0281
2(0.9049999713897705, 1.8350000381469727]1655138527016.31%-0.0037
3(1.8350000381469727, 1.8700000047683716]1351112922216.43%-0.0045
4(1.8700000047683716, 3.875]2299196333614.62%0.0270
5(3.875, inf]2611212049118.81%-0.0550
bh_a130 — IV 0.0033，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]4132349863415.34%0.0200
2(1.5, 2.5]2083180328013.44%0.0458
3(2.5, 3.5]1542130024215.69%0.0050
4(3.5, 8.5]4137343170617.07%-0.0278
5(8.5, inf]1887153635118.60%-0.0400
bh_a075 — IV 0.0032，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5221445976214.59%0.0476
2(0.5, 1.5]3161266449715.72%0.0078
3(1.5, 2.5]1842151532717.75%-0.0263
4(2.5, 4.5]1963160935418.03%-0.0321
5(4.5, inf]1594132127317.13%-0.0148
bh_a065 — IV 0.0032，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]6008512088814.78%0.0448
2(0.5, 3.5]3099255654317.52%-0.0333
3(3.5, 6.5]1671141026115.62%0.0064
4(6.5, 11.5]1451118726418.19%-0.0273
5(11.5, inf]1552129525716.56%-0.0068
bh_h013 — IV 0.0032，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.75]6320535796315.24%0.0294
2(1.75, 2.1200000047683716]1908163027814.57%0.0241
3(2.1200000047683716, 3.5199999809265137]1589134224715.54%0.0072
4(3.5199999809265137, 5.724999904632568]2055169635917.47%-0.0239
5(5.724999904632568, inf]1909154336619.17%-0.0493
bh_a116 — IV 0.0032，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98818349153215.50%0.0244
2(0.5, 1.5]1817154327415.08%0.0152
3(1.5, inf]2083167640719.54%-0.0588
bh_h144 — IV 0.0031，2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 50.0]104518844160715.38%0.0308
2(50.0, inf]3330272460618.20%-0.0508
bh_a046 — IV 0.0031，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]98848368151615.34%0.0318
2(0.5, 2.5]2245187736816.39%-0.0061
3(2.5, inf]1652132332919.92%-0.0543
bh_a128 — IV 0.0031，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]3832323659615.55%0.0135
2(0.5, 1.5]3491297451714.81%0.0315
3(1.5, 3.5]3522298453815.28%0.0198
4(3.5, 5.5]1611130530618.99%-0.0407
5(5.5, inf]1325106925619.32%-0.0385
bh_qu010 — IV 0.0031，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 33.5]1884161726714.17%0.0336
2(33.5, 47.0]1641135828317.25%-0.0175
3(47.0, 58.0]1504129820613.70%0.0351
4(58.0, 72.0]2068174232615.76%0.0063
5(72.0, inf]5360443692417.24%-0.0384
bh_a118 — IV 0.0030，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]5560469186915.63%0.0143
2(0.5, 1.5]2415207234314.20%0.0362
3(1.5, 2.5]1415118523016.25%-0.0025
4(2.5, 4.5]1921161530615.93%0.0021
5(4.5, inf]2470200546518.83%-0.0532
bh_h168 — IV 0.0030，4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 9.069999694824219]6187527091714.82%0.0441
2(9.069999694824219, 55.255001068115234]4161344671517.18%-0.0311
3(55.255001068115234, 69.97000122070312]1356111124518.07%-0.0243
4(69.97000122070312, inf]2077174133616.18%-0.0020
bh_h134 — IV 0.0029，3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]94327865156716.61%-0.0236
2(0.5, 2.5]2272197629613.03%0.0568
3(2.5, inf]2077172735016.85%-0.0136
bh_a129 — IV 0.0029，5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.5]2830239044015.55%0.0111
2(0.5, 1.5]3308281349514.96%0.0266
3(1.5, 4.5]4805406973615.32%0.0228
4(4.5, 6.5]1373111925418.50%-0.0298
5(6.5, inf]1465117728819.66%-0.0461

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）

ScoreCust1 — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 622.5]2312166764527.90%-0.1728
2(622.5, 707.5]3786296482221.71%-0.1133
3(707.5, 749.5]2358191943918.62%-0.0319
4(749.5, 833.5]4436386856812.80%0.1034
5(833.5, inf]293027671635.56%0.2339
ScoreCust2 — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 603.5]2598186273628.33%-0.1948
2(603.5, 747.5]62104956125420.19%-0.1078
3(747.5, 802.5]2807242238513.72%0.0567
4(802.5, 844.5]162514841418.68%0.1014
5(844.5, inf]258224611214.69%0.2294
dxm_2025v2 — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 387.5]43053218108725.25%-0.2037
2(387.5, 398.5]2744221453019.31%-0.0483
3(398.5, 412.5]3745314859715.94%0.0169
4(412.5, 425.5]2352208526711.35%0.0904
5(425.5, inf]267625201565.83%0.2119
score92663 — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 38.77465057373047]259324441495.75%0.2090
2(38.77465057373047, 46.850149154663086]3187283535211.04%0.1208
3(46.850149154663086, 59.89684867858887]61865058112818.23%-0.0509
4(59.89684867858887, 66.31809997558594]2218169852023.44%-0.1051
5(66.31809997558594, inf]1514105645830.25%-0.1515
model_risk_v9_stongyong_score — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 38.5]295027801705.76%0.2313
2(38.5, 44.5]2366211525110.61%0.1039
3(44.5, 48.5]2044174829614.48%0.0321
4(48.5, 59.5]53404312102819.25%-0.0753
5(59.5, inf]3003214086328.74%-0.2251
model_risk_v9_sxiaojin_score — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 35.5]226021431175.18%0.1972
2(35.5, 42.5]290226162869.86%0.1378
3(42.5, 50.5]4664396070415.09%0.0413
4(50.5, 58.5]3732289383922.48%-0.1308
5(58.5, inf]2145148366230.86%-0.2064
model_1034467 — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.0710735023021698]15351453825.34%0.1437
2(0.0710735023021698, 0.0934550017118454]4188372546311.06%0.1487
3(0.0934550017118454, 0.10137400031089783]1681138329817.73%-0.0158
4(0.10137400031089783, 0.16508999466896057]57874620116720.17%-0.1104
5(0.16508999466896057, inf]1921143448725.35%-0.1245
model_1034468 — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.07395549863576889]190717891186.19%0.1594
2(0.07395549863576889, 0.08735150098800659]3340288545513.62%0.0659
3(0.08735150098800659, 0.09519950300455093]1735145428116.20%0.0044
4(0.09519950300455093, 0.13253449648618698]4357354481318.66%-0.0556
5(0.13253449648618698, inf]3773294383022.00%-0.1268
score_50021 — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 0.007949999999254942]281026431675.94%0.2210
2(0.007949999999254942, 0.014750000089406967]4433387256112.66%0.1073
3(0.014750000089406967, 0.02075000014156103]3214265955517.27%-0.0144
4(0.02075000014156103, 0.03425000049173832]3421262479723.30%-0.1419
5(0.03425000049173832, inf]1593110748630.51%-0.1629
zszs_xy_score — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 686.5]1595118041526.02%-0.1118
2(686.5, 696.5]1776136641023.09%-0.0849
3(696.5, 712.5]4431363579617.96%-0.0358
4(712.5, 731.5]4836413869814.43%0.0607
5(731.5, inf]293326702638.97%0.1590
xmf_v11xj — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 397.5]2559198257722.55%-0.1021
2(397.5, 433.5]75236139138418.40%-0.0617
3(433.5, 444.5]1553130924415.71%0.0109
4(444.5, 468.5]2339207226711.42%0.0892
5(468.5, inf]164815241247.52%0.1190
bh_CO4001score — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 39.5]284126451966.90%0.1988
2(39.5, 45.5]4252366658613.78%0.0745
3(45.5, 47.5]1728144927916.15%0.0068
4(47.5, 50.5]2508205445418.10%-0.0247
5(50.5, inf]44923370112224.98%-0.2028
PY083P — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 571.5]3126230482226.30%-0.1874
2(571.5, 597.5]2218177144720.15%-0.0554
3(597.5, 674.5]69865907107915.45%0.0399
4(674.5, 719.5]186816841849.85%0.0968
5(719.5, inf]15111435765.03%0.1414
risk_v8_slowirr — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 31.5]326330651986.07%0.2427
2(31.5, 46.5]4029349253713.33%0.0826
3(46.5, 61.5]4358355680218.40%-0.0456
4(61.5, 70.5]2251173551622.92%-0.0984
5(70.5, inf]1797124355430.83%-0.1803
mobile_fixed_grade — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.5]2582211047218.28%-0.0284
2(4.5, 6.5]2921228463721.81%-0.0970
3(6.5, 7.5]3633294868518.85%-0.0489
4(7.5, 8.5]2735230842715.61%0.0197
5(8.5, inf]3885348040510.42%0.1565
adr_stability_grade — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 3.5]52974049124823.56%-0.1877
2(3.5, 5.5]1602128731519.66%-0.0360
3(5.5, 7.5]3815324557014.94%0.0411
4(7.5, 8.5]1751154820311.59%0.0680
5(8.5, inf]329130012908.81%0.1769
have_car_prob_grade — 2 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]96337705192820.01%-0.1272
2(1.5, inf]6123542569811.40%0.1760
tot_pay_amt_6m_grade — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]58714534133722.77%-0.1771
2(1.5, 2.5]2131178135016.42%0.0037
3(2.5, 5.5]4544392362113.67%0.0812
4(5.5, inf]321028923189.91%0.1481
first_loan_length_grade — 3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 4.5]3294243585926.08%-0.1879
2(4.5, 6.5]2680212855220.60%-0.0702
3(6.5, inf]97828567121512.42%0.1799
avg_bal_6m_grade — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]78776243163420.74%-0.1402
2(1.5, 3.5]2058172133716.38%0.0044
3(3.5, 5.5]2042179125112.29%0.0663
4(5.5, 7.5]2142187926312.28%0.0691
5(7.5, inf]163714961418.61%0.1033
repay_amt_6m_grade — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]81076344176321.75%-0.1751
2(1.5, 4.5]2733227046316.94%-0.0051
3(4.5, 6.5]2873258528810.02%0.1337
4(6.5, inf]204319311125.48%0.1760
positive_biz_cnt_1y_grade — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]46733655101821.78%-0.1314
2(1.5, 2.5]1523124128218.52%-0.0214
3(2.5, 8.5]1656134131519.02%-0.0292
4(8.5, inf]79046893101112.79%0.1468
risk_score — 5 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]398137272546.38%0.2728
2(1.5, 2.5]5083436272114.18%0.0718
3(2.5, 3.5]2829224258720.75%-0.0757
4(3.5, 4.5]1751133142023.99%-0.0929
5(4.5, inf]2112146864430.49%-0.1973
cust_seg2 — 3 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 2.5]361333192948.14%0.2071
2(2.5, 3.5]79146652126215.95%0.0262
3(3.5, inf]42293159107025.30%-0.2032
repayment_ability_rank2 — 4 箱
分组号分栏TotalGoodBadBad RateWOE
1(-inf, 1.5]166515061599.55%0.0922
2(1.5, 2.5]4245370454112.74%0.1023
3(2.5, 3.5]55514551100018.01%-0.0396
4(3.5, inf]4295336992621.56%-0.1195

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

05 变量筛选

候选变量 680，通过分箱 680，入模 25（上限 28，IV 阈值 0.018559745019538266）

变量名是否入模IV缺失率<90%IV≥阈值缺失率备注
risk_scoreY0.0909PASSPASS0.42%
model_risk_v9_stongyong_scoreY0.0840PASSPASS0.75%
model_risk_v9_sxiaojin_scoreY0.0794PASSPASS0.75%
ScoreCust2Y0.0780PASSPASS0.00%
ScoreCust1Y0.0736PASSPASS0.00%
risk_v8_slowirrY0.0727PASSPASS0.78%
score_50021Y0.0719PASSPASS2.22%
dxm_2025v2Y0.0692PASSPASS0.00%
first_loan_length_gradeY0.0641PASSPASS0.42%
bh_CO4001scoreY0.0641PASSPASS0.01%
cust_seg2Y0.0638PASSPASS0.42%
repay_amt_6m_gradeY0.0630PASSPASS0.42%
score92663Y0.0610PASSPASS0.78%
adr_stability_gradeY0.0570PASSPASS0.42%
model_1034467Y0.0496PASSPASS4.49%WOE不单调
tot_pay_amt_6m_gradeY0.0488PASSPASS0.42%
PY083PY0.0466PASSPASS0.71%
have_car_prob_gradeY0.0447PASSPASS0.42%
positive_biz_cnt_1y_gradeY0.0357PASSPASS0.42%WOE不单调
model_1034468Y0.0332PASSPASS4.49%
zszs_xy_scoreY0.0328PASSPASS1.59%
avg_bal_6m_gradeY0.0325PASSPASS0.42%
mobile_fixed_gradeY0.0266PASSPASS0.42%WOE不单调
repayment_ability_rank2Y0.0256PASSPASS0.42%WOE不单调
xmf_v11xjY0.0243PASSPASS1.26%
dev_stability_grade2N0.0179PASSFAIL0.42%WOE不单调
have_fang_prob_gradeN0.0144PASSFAIL0.42%
bh_a113N0.0137PASSFAIL12.90%WOE不单调
bh_a104N0.0129PASSFAIL12.90%WOE不单调
last_6m_avg_asset_total_gradeN0.0125PASSFAIL0.42%
bh_a112N0.0116PASSFAIL12.90%
bh_h171N0.0115PASSFAIL12.90%
bh_h163N0.0101PASSFAIL12.90%
bh_a220N0.0101PASSFAIL12.96%WOE不单调
bh_a102N0.0092PASSFAIL12.90%
bh_a111N0.0092PASSFAIL12.90%
bh_a103N0.0090PASSFAIL12.90%WOE不单调
bh_a211N0.0082PASSFAIL12.96%WOE不单调
bh_h155N0.0079PASSFAIL12.90%
bh_a047N0.0069PASSFAIL12.90%
score_dzN0.0069PASSFAIL12.87%WOE不单调
BH_A342N0.0064PASSFAIL12.90%WOE不单调
bh_a056N0.0064PASSFAIL12.90%
bh_a009N0.0059PASSFAIL12.90%WOE不单调
bh_h001N0.0059PASSFAIL12.87%
bh_h006N0.0059PASSFAIL12.90%WOE不单调
bh_a101N0.0057PASSFAIL12.90%
bh_a110N0.0057PASSFAIL12.90%
bh_h005N0.0056PASSFAIL12.90%WOE不单调
bh_h007N0.0056PASSFAIL12.90%WOE不单调
BH_A356N0.0055PASSFAIL12.90%WOE不单调
bh_a210N0.0054PASSFAIL15.58%WOE不单调
bh_a219N0.0054PASSFAIL15.58%WOE不单调
BH_A352N0.0053PASSFAIL12.90%
BH_A353N0.0052PASSFAIL12.90%
bh_h002N0.0052PASSFAIL12.90%WOE不单调
bh_a126N0.0051PASSFAIL12.90%WOE不单调
bh_a179N0.0050PASSFAIL22.34%WOE不单调
bh_h004N0.0050PASSFAIL12.90%WOE不单调
bh_h003N0.0049PASSFAIL12.90%WOE不单调
bh_a178N0.0048PASSFAIL22.34%WOE不单调
bh_a218N0.0046PASSFAIL21.27%WOE不单调
BH_A340N0.0046PASSFAIL12.90%
BH_A354N0.0045PASSFAIL12.90%WOE不单调
bh_h011N0.0045PASSFAIL12.90%WOE不单调
BH_A343N0.0045PASSFAIL12.90%
bh_a160N0.0044PASSFAIL20.97%WOE不单调
bh_a066N0.0043PASSFAIL12.90%WOE不单调
bh_a119N0.0043PASSFAIL12.90%WOE不单调
bh_a201N0.0042PASSFAIL22.34%WOE不单调
bh_h010N0.0041PASSFAIL12.90%WOE不单调
BH_A341N0.0041PASSFAIL12.90%
bh_a062N0.0040PASSFAIL12.90%
bh_a132N0.0040PASSFAIL12.90%WOE不单调
BH_A345N0.0040PASSFAIL12.90%WOE不单调
bh_a150N0.0039PASSFAIL12.90%WOE不单调
BH_A350N0.0038PASSFAIL12.90%
bh_a117N0.0038PASSFAIL12.90%WOE不单调
bh_a209N0.0037PASSFAIL21.27%WOE不单调
BH_A355N0.0037PASSFAIL12.90%WOE不单调
bh_a177N0.0036PASSFAIL22.34%WOE不单调
BH_A351N0.0036PASSFAIL12.90%
bh_a141N0.0036PASSFAIL12.90%WOE不单调
bh_a120N0.0035PASSFAIL12.90%WOE不单调
BH_A344N0.0035PASSFAIL12.90%WOE不单调
bh_a199N0.0035PASSFAIL22.34%WOE不单调
bh_h012N0.0033PASSFAIL12.90%WOE不单调
bh_a130N0.0033PASSFAIL12.90%WOE不单调
bh_a075N0.0032PASSFAIL12.90%WOE不单调
bh_a065N0.0032PASSFAIL12.90%WOE不单调
bh_h013N0.0032PASSFAIL12.90%
bh_a116N0.0032PASSFAIL12.90%
bh_h144N0.0031PASSFAIL12.90%
bh_a046N0.0031PASSFAIL12.90%
bh_a128N0.0031PASSFAIL12.90%WOE不单调
bh_qu010N0.0031PASSFAIL21.27%WOE不单调
bh_a118N0.0030PASSFAIL12.90%WOE不单调
bh_h168N0.0030PASSFAIL12.90%WOE不单调
bh_h134N0.0029PASSFAIL12.90%WOE不单调
bh_a129N0.0029PASSFAIL12.90%WOE不单调
bh_h161N0.0028PASSFAIL12.90%
BH_A319N0.0028PASSFAIL12.90%
bh_a073N0.0028PASSFAIL12.90%WOE不单调
bh_a055N0.0028PASSFAIL12.90%
BH_A230N0.0028PASSFAIL12.90%WOE不单调
bh_a064N0.0028PASSFAIL12.90%WOE不单调
bh_h160N0.0028PASSFAIL12.90%WOE不单调
bh_a074N0.0028PASSFAIL12.90%WOE不单调
bh_h152N0.0027PASSFAIL12.90%
bh_a083N0.0027PASSFAIL12.90%WOE不单调
bh_a071N0.0027PASSFAIL12.90%
bh_a085N0.0026PASSFAIL12.90%WOE不单调
BH_A339N0.0026PASSFAIL12.90%
BH_A349N0.0026PASSFAIL12.90%
bh_a131N0.0025PASSFAIL12.90%WOE不单调
BH_A346N0.0025PASSFAIL12.90%WOE不单调
bh_a200N0.0025PASSFAIL22.34%WOE不单调
bh_a123N0.0025PASSFAIL12.90%WOE不单调
bh_a125N0.0024PASSFAIL12.90%
bh_h153N0.0024PASSFAIL12.90%
bh_a202N0.0023PASSFAIL22.34%WOE不单调
bh_h141N0.0023PASSFAIL12.90%
bh_a127N0.0023PASSFAIL12.90%WOE不单调
bh_a181N0.0023PASSFAIL22.34%WOE不单调
bh_h169N0.0023PASSFAIL12.90%
bh_a082N0.0023PASSFAIL12.90%WOE不单调
bh_h162N0.0023PASSFAIL12.90%WOE不单调
bh_a094N0.0023PASSFAIL12.90%
bh_h110N0.0023PASSFAIL12.90%WOE不单调
BH_A392N0.0022PASSFAIL12.90%WOE不单调
bh_a054N0.0021PASSFAIL12.90%
bh_a061N0.0021PASSFAIL12.90%
bh_h009N0.0021PASSFAIL12.90%
bh_a159N0.0021PASSFAIL12.90%WOE不单调
bh_h008N0.0021PASSFAIL12.90%
bh_a018N0.0021PASSFAIL12.90%WOE不单调
bh_h123N0.0020PASSFAIL12.90%WOE不单调
bh_a019N0.0020PASSFAIL21.10%WOE不单调
bh_a008N0.0020PASSFAIL12.90%WOE不单调
bh_a070N0.0020PASSFAIL12.90%
BH_A335N0.0020PASSFAIL12.90%WOE不单调
bh_a072N0.0020PASSFAIL12.90%
bh_h158N0.0020PASSFAIL12.90%WOE不单调
bh_a115N0.0020PASSFAIL12.90%
bh_a124N0.0020PASSFAIL12.90%
bh_h170N0.0020PASSFAIL12.90%WOE不单调
bh_a044N0.0019PASSFAIL12.90%
bh_a053N0.0019PASSFAIL12.90%
BH_A309N0.0019PASSFAIL12.90%
bh_a045N0.0019PASSFAIL12.90%
bh_h122N0.0019PASSFAIL12.90%WOE不单调
BH_A381N0.0018PASSFAIL12.90%
BH_A282N0.0018PASSFAIL12.90%
bh_a121N0.0018PASSFAIL12.90%WOE不单调
bh_h143N0.0018PASSFAIL12.90%
bh_h140N0.0018PASSFAIL12.90%WOE不单调
bh_h159N0.0018PASSFAIL12.90%WOE不单调
BH_A384N0.0018PASSFAIL12.90%WOE不单调
BH_A288N0.0018PASSFAIL12.90%WOE不单调
BH_A277N0.0018PASSFAIL12.90%
bh_a180N0.0018PASSFAIL22.34%WOE不单调
bh_h166N0.0017PASSFAIL12.90%WOE不单调
BH_A389N0.0017PASSFAIL12.90%
bh_h126N0.0017PASSFAIL12.90%WOE不单调
BH_A283N0.0017PASSFAIL12.90%
BH_A284N0.0017PASSFAIL12.90%
bh_h118N0.0017PASSFAIL12.90%WOE不单调
bh_h135N0.0017PASSFAIL12.90%
bh_a060N0.0016PASSFAIL12.90%
bh_a069N0.0016PASSFAIL12.90%
BH_A292N0.0016PASSFAIL12.90%
bh_a084N0.0016PASSFAIL12.90%WOE不单调
bh_a063N0.0016PASSFAIL12.90%
bh_a149N0.0016PASSFAIL12.90%WOE不单调
bh_a198N0.0016PASSFAIL22.34%WOE不单调
BH_A327N0.0015PASSFAIL12.90%WOE不单调
bh_a122N0.0015PASSFAIL12.90%WOE不单调
bh_a005N0.0015PASSFAIL12.90%WOE不单调
bh_a081N0.0015PASSFAIL12.90%
bh_h151N0.0015PASSFAIL12.90%
BH_A366N0.0015PASSFAIL12.90%
bh_h167N0.0015PASSFAIL12.90%WOE不单调
bh_a043N0.0015PASSFAIL12.90%
bh_a052N0.0015PASSFAIL12.90%
BH_A391N0.0015PASSFAIL12.90%WOE不单调
BH_A318N0.0015PASSFAIL12.90%
BH_A390N0.0014PASSFAIL12.90%WOE不单调
BH_A388N0.0014PASSFAIL12.90%
BH_A376N0.0013PASSFAIL12.90%
bh_h138N0.0013PASSFAIL12.90%WOE不单调
bh_h136N0.0013PASSFAIL12.90%
bh_h137N0.0013PASSFAIL12.90%
bh_h106N0.0013PASSFAIL12.90%WOE不单调
bh_a007N0.0013PASSFAIL12.90%WOE不单调
BH_A383N0.0013PASSFAIL12.90%WOE不单调
BH_A269N0.0013PASSFAIL12.90%
bh_h145N0.0013PASSFAIL12.90%
BH_A286N0.0012PASSFAIL12.90%WOE不单调
BH_A382N0.0012PASSFAIL12.90%WOE不单调
BH_A240N0.0012PASSFAIL12.90%WOE不单调
bh_h127N0.0012PASSFAIL12.90%WOE不单调
bh_a006N0.0012PASSFAIL12.90%WOE不单调
BH_A229N0.0011PASSFAIL12.90%WOE不单调
BH_A267N0.0011PASSFAIL12.90%
BH_A275N0.0011PASSFAIL12.90%
bh_h149N0.0011PASSFAIL12.90%
BH_A380N0.0011PASSFAIL12.90%
BH_A308N0.0011PASSFAIL12.90%WOE不单调
BH_A324N0.0011PASSFAIL12.90%
bh_a140N0.0011PASSFAIL12.90%WOE不单调
bh_a003N0.0011PASSFAIL12.90%WOE不单调
BH_A287N0.0011PASSFAIL12.90%WOE不单调
bh_a004N0.0010PASSFAIL12.90%WOE不单调
bh_a016N0.0010PASSFAIL12.90%WOE不单调
BH_A261N0.0010PASSFAIL12.90%
BH_A294N0.0010PASSFAIL12.90%
bh_h107N0.0010PASSFAIL12.90%WOE不单调
bh_a093N0.0010PASSFAIL12.90%
BH_A285N0.0009PASSFAIL12.90%WOE不单调
bh_a092N0.0009PASSFAIL12.90%WOE不单调
bh_h111N0.0009PASSFAIL12.90%WOE不单调
BH_A365N0.0009PASSFAIL12.90%
BH_A293N0.0009PASSFAIL12.90%
BH_A276N0.0009PASSFAIL12.90%
BH_A251N0.0009PASSFAIL12.90%
bh_h139N0.0009PASSFAIL12.90%WOE不单调
bh_a015N0.0009PASSFAIL12.90%WOE不单调
bh_a090N0.0009PASSFAIL12.90%
BH_A325N0.0009PASSFAIL12.90%WOE不单调
BH_A268N0.0008PASSFAIL12.90%
BH_A326N0.0008PASSFAIL12.90%WOE不单调
bh_h084N0.0008PASSFAIL12.90%
bh_h085N0.0008PASSFAIL12.90%
bh_h133N0.0007PASSFAIL12.90%
bh_h124N0.0007PASSFAIL12.90%
bh_h125N0.0007PASSFAIL12.90%
bh_h094N0.0007PASSFAIL12.90%WOE不单调
bh_a080N0.0007PASSFAIL12.90%
bh_a089N0.0007PASSFAIL12.90%
BH_A281N0.0007PASSFAIL12.90%
BH_A291N0.0007PASSFAIL12.90%
bh_h173N0.0007PASSFAIL12.90%WOE不单调
bh_h157N0.0007PASSFAIL12.90%WOE不单调
BH_A334N0.0007PASSFAIL12.90%WOE不单调
BH_A295N0.0007PASSFAIL12.90%
bh_a014N0.0006PASSFAIL12.90%WOE不单调
bh_a148N0.0006PASSFAIL12.90%
bh_h117N0.0006PASSFAIL12.90%
bh_h130N0.0006PASSFAIL12.90%
bh_h131N0.0006PASSFAIL12.90%
BH_A296N0.0006PASSFAIL12.90%
bh_a139N0.0005PASSFAIL12.90%WOE不单调
bh_a079N0.0005PASSFAIL12.90%
bh_a088N0.0005PASSFAIL12.90%
bh_a137N0.0005PASSFAIL12.90%
bh_a146N0.0005PASSFAIL12.90%
BH_A323N0.0005PASSFAIL12.90%
bh_h100N0.0005PASSFAIL12.90%
bh_h101N0.0005PASSFAIL12.90%
BH_A379N0.0005PASSFAIL12.90%
BH_A387N0.0005PASSFAIL12.90%
bh_a147N0.0005PASSFAIL12.90%
bh_h116N0.0005PASSFAIL12.90%
BH_A227N0.0005PASSFAIL12.90%WOE不单调
bh_a017N0.0005PASSFAIL12.90%WOE不单调
bh_h091N0.0004PASSFAIL12.90%WOE不单调
BH_A266N0.0004PASSFAIL12.90%
BH_A274N0.0004PASSFAIL12.90%
BH_A226N0.0004PASSFAIL12.90%
bh_h058N0.0004PASSFAIL12.90%
bh_h059N0.0004PASSFAIL12.90%
bh_a138N0.0004PASSFAIL12.90%WOE不单调
bh_h150N0.0004PASSFAIL12.90%WOE不单调
BH_A364N0.0004PASSFAIL12.90%
BH_A374N0.0004PASSFAIL12.90%
bh_h132N0.0004PASSFAIL12.90%
bh_a012N0.0004PASSFAIL12.90%
BH_A236N0.0004PASSFAIL12.90%
BH_A362N0.0004PASSFAIL12.90%
BH_A372N0.0004PASSFAIL12.90%
BH_A375N0.0004PASSFAIL12.90%
bh_h074N0.0004PASSFAIL12.90%WOE不单调
ovd_order_days_6m_gradeN0.0003PASSFAIL0.42%
BH_A239N0.0003PASSFAIL12.90%WOE不单调
bh_a013N0.0003PASSFAIL12.90%WOE不单调
bh_h146N0.0003PASSFAIL12.90%
BH_A228N0.0003PASSFAIL12.90%
BH_A298N0.0003PASSFAIL12.90%WOE不单调
bh_h078N0.0003PASSFAIL12.90%WOE不单调
BH_A250N0.0003PASSFAIL12.90%
BH_A260N0.0003PASSFAIL12.90%
BH_A225N0.0003PASSFAIL12.90%
BH_A235N0.0003PASSFAIL12.90%
bh_h090N0.0003PASSFAIL12.90%WOE不单调
bh_a002N0.0003PASSFAIL12.90%
bh_a011N0.0003PASSFAIL12.90%
bh_h154N0.0003PASSFAIL12.90%
ovd_order_amt_6m_gradeN0.0003PASSFAIL0.42%
BH_A237N0.0003PASSFAIL12.90%WOE不单调
bh_h119N0.0002PASSFAIL12.90%
BH_A297N0.0002PASSFAIL12.90%WOE不单调
bh_h079N0.0002PASSFAIL12.90%
BH_A307N0.0002PASSFAIL12.90%
BH_A317N0.0002PASSFAIL12.90%
BH_A363N0.0002PASSFAIL12.90%
BH_A373N0.0002PASSFAIL12.90%
bh_h095N0.0002PASSFAIL12.90%WOE不单调
BH_A238N0.0002PASSFAIL12.90%WOE不单调
BH_A332N0.0002PASSFAIL12.90%
BH_A224N0.0001PASSFAIL12.90%
BH_A234N0.0001PASSFAIL12.90%
bh_h165N0.0001PASSFAIL12.90%WOE不单调
bh_h108N0.0001PASSFAIL12.90%
bh_h109N0.0001PASSFAIL12.90%
BH_A333N0.0001PASSFAIL12.90%WOE不单调
BH_A331N0.0001PASSFAIL12.90%
bh_a136N0.0000PASSFAIL12.90%
bh_a145N0.0000PASSFAIL12.90%
bh_h086N0.0000PASSFAIL12.90%
bh_h087N0.0000PASSFAIL12.90%
bh_a091N0.0000PASSFAIL12.90%
BH_A322N0.0000PASSFAIL12.90%
BH_A330N0.0000PASSFAIL12.90%
bh_h075N0.0000PASSFAIL12.90%
bh_h062N0.0000PASSFAIL12.90%
bh_h063N0.0000PASSFAIL12.90%
bh_h142N0.0000PASSFAIL12.90%
BH_A306N0.0000PASSFAIL12.90%
BH_A316N0.0000PASSFAIL12.90%
bh_a001N0.0000PASSFAIL12.90%
bh_a010N0.0000PASSFAIL12.90%
bh_a020N0.0000PASSFAIL12.90%
bh_a021N0.0000PASSFAIL12.90%
bh_a022N0.0000PASSFAIL12.90%
bh_a023N0.0000PASSFAIL12.90%
bh_a024N0.0000PASSFAIL12.90%
bh_a025N0.0000PASSFAIL12.90%
bh_a026N0.0000PASSFAIL12.90%
bh_a027N0.0000PASSFAIL12.90%
bh_a028N0.0000PASSFAIL12.90%
bh_a029N0.0000PASSFAIL12.90%
bh_a030N0.0000PASSFAIL12.90%
bh_a031N0.0000PASSFAIL12.90%
bh_a032N0.0000PASSFAIL12.90%
bh_a033N0.0000PASSFAIL12.90%
bh_a034N0.0000PASSFAIL12.90%
bh_a035N0.0000PASSFAIL12.90%
bh_a036N0.0000PASSFAIL12.90%
bh_a037N0.0000PASSFAIL12.90%
bh_a039N0.0000PASSFAIL12.90%
bh_a040N0.0000PASSFAIL12.90%
bh_a041N0.0000PASSFAIL12.90%
bh_a042N0.0000PASSFAIL12.90%
bh_a048N0.0000PASSFAIL12.90%
bh_a049N0.0000PASSFAIL12.90%
bh_a050N0.0000PASSFAIL12.90%
bh_a051N0.0000PASSFAIL12.90%
bh_a058N0.0000PASSFAIL12.90%
bh_a059N0.0000PASSFAIL12.90%
bh_a067N0.0000PASSFAIL12.90%
bh_a068N0.0000PASSFAIL12.90%
bh_a077N0.0000PASSFAIL12.90%
bh_a078N0.0000PASSFAIL12.90%
bh_a086N0.0000PASSFAIL12.90%
bh_a087N0.0000PASSFAIL12.90%
bh_a096N0.0000PASSFAIL12.90%
bh_a097N0.0000PASSFAIL12.90%
bh_a098N0.0000PASSFAIL12.90%
bh_a099N0.0000PASSFAIL12.90%
bh_a100N0.0000PASSFAIL12.90%
bh_a105N0.0000PASSFAIL12.90%
bh_a106N0.0000PASSFAIL12.90%
bh_a107N0.0000PASSFAIL12.90%
bh_a108N0.0000PASSFAIL12.90%
bh_a109N0.0000PASSFAIL12.90%
bh_a133N0.0000PASSFAIL12.90%
bh_a134N0.0000PASSFAIL12.90%
bh_a135N0.0000PASSFAIL12.90%
bh_a142N0.0000PASSFAIL12.90%
bh_a143N0.0000PASSFAIL12.90%
bh_a144N0.0000PASSFAIL12.90%
bh_h014N0.0000PASSFAIL12.90%
bh_h015N0.0000PASSFAIL12.90%
bh_h016N0.0000PASSFAIL12.90%
bh_h017N0.0000PASSFAIL12.90%
bh_h018N0.0000PASSFAIL12.90%
bh_h019N0.0000PASSFAIL12.90%
bh_h020N0.0000PASSFAIL12.90%
bh_h021N0.0000PASSFAIL12.90%
bh_h022N0.0000PASSFAIL12.90%
bh_h023N0.0000PASSFAIL12.90%
bh_h024N0.0000PASSFAIL12.90%
bh_h025N0.0000PASSFAIL12.90%
bh_h026N0.0000PASSFAIL12.90%
bh_h027N0.0000PASSFAIL12.90%
bh_h028N0.0000PASSFAIL12.90%
bh_h029N0.0000PASSFAIL12.90%
bh_h030N0.0000PASSFAIL12.90%
bh_h031N0.0000PASSFAIL12.90%
bh_h032N0.0000PASSFAIL12.90%
bh_h033N0.0000PASSFAIL12.90%
bh_h034N0.0000PASSFAIL12.90%
bh_h035N0.0000PASSFAIL12.90%
bh_h036N0.0000PASSFAIL12.90%
bh_h037N0.0000PASSFAIL12.90%
bh_h038N0.0000PASSFAIL12.90%
bh_h039N0.0000PASSFAIL12.90%
bh_h040N0.0000PASSFAIL12.90%
bh_h041N0.0000PASSFAIL12.90%
bh_h042N0.0000PASSFAIL12.90%
bh_h043N0.0000PASSFAIL12.90%
bh_h044N0.0000PASSFAIL12.90%
bh_h045N0.0000PASSFAIL12.90%
bh_h046N0.0000PASSFAIL12.90%
bh_h047N0.0000PASSFAIL12.90%
bh_h048N0.0000PASSFAIL12.90%
bh_h049N0.0000PASSFAIL12.90%
bh_h050N0.0000PASSFAIL12.90%
bh_h051N0.0000PASSFAIL12.90%
bh_h052N0.0000PASSFAIL12.90%
bh_h053N0.0000PASSFAIL12.90%
bh_h054N0.0000PASSFAIL12.90%
bh_h055N0.0000PASSFAIL12.90%
bh_h056N0.0000PASSFAIL12.90%
bh_h057N0.0000PASSFAIL12.90%
bh_h060N0.0000PASSFAIL12.90%
bh_h061N0.0000PASSFAIL12.90%
bh_h064N0.0000PASSFAIL12.90%
bh_h065N0.0000PASSFAIL12.90%
bh_h066N0.0000PASSFAIL12.90%
bh_h067N0.0000PASSFAIL12.90%
bh_h068N0.0000PASSFAIL12.90%
bh_h069N0.0000PASSFAIL12.90%
bh_h070N0.0000PASSFAIL12.90%
bh_h071N0.0000PASSFAIL12.90%
bh_h072N0.0000PASSFAIL12.90%
bh_h073N0.0000PASSFAIL12.90%
bh_h076N0.0000PASSFAIL12.90%
bh_h077N0.0000PASSFAIL12.90%
bh_h080N0.0000PASSFAIL12.90%
bh_h081N0.0000PASSFAIL12.90%
bh_h082N0.0000PASSFAIL12.90%
bh_h083N0.0000PASSFAIL12.90%
bh_h088N0.0000PASSFAIL12.90%
bh_h089N0.0000PASSFAIL12.90%
bh_h092N0.0000PASSFAIL12.90%
bh_h093N0.0000PASSFAIL12.90%
bh_h096N0.0000PASSFAIL12.90%
bh_h097N0.0000PASSFAIL12.90%
bh_h098N0.0000PASSFAIL12.90%
bh_h099N0.0000PASSFAIL12.90%
bh_h102N0.0000PASSFAIL12.90%
bh_h103N0.0000PASSFAIL12.90%
bh_h104N0.0000PASSFAIL12.90%
bh_h105N0.0000PASSFAIL12.90%
bh_h112N0.0000PASSFAIL12.90%
bh_h113N0.0000PASSFAIL12.90%
bh_h114N0.0000PASSFAIL12.90%
bh_h115N0.0000PASSFAIL12.90%
bh_h120N0.0000PASSFAIL12.90%
bh_h121N0.0000PASSFAIL12.90%
bh_h128N0.0000PASSFAIL12.90%
bh_h129N0.0000PASSFAIL12.90%
bh_h147N0.0000PASSFAIL12.90%
bh_h148N0.0000PASSFAIL12.90%
bh_h156N0.0000PASSFAIL12.90%
bh_h164N0.0000PASSFAIL12.90%
bh_h172N0.0000PASSFAIL12.90%
BH_A221N0.0000PASSFAIL12.90%
BH_A222N0.0000PASSFAIL12.90%
BH_A223N0.0000PASSFAIL12.90%
BH_A231N0.0000PASSFAIL12.90%
BH_A232N0.0000PASSFAIL12.90%
BH_A233N0.0000PASSFAIL12.90%
BH_A242N0.0000PASSFAIL12.90%
BH_A243N0.0000PASSFAIL12.90%
BH_A244N0.0000PASSFAIL12.90%
BH_A245N0.0000PASSFAIL12.90%
BH_A246N0.0000PASSFAIL12.90%
BH_A247N0.0000PASSFAIL12.90%
BH_A248N0.0000PASSFAIL12.90%
BH_A249N0.0000PASSFAIL12.90%
BH_A252N0.0000PASSFAIL12.90%
BH_A253N0.0000PASSFAIL12.90%
BH_A254N0.0000PASSFAIL12.90%
BH_A255N0.0000PASSFAIL12.90%
BH_A256N0.0000PASSFAIL12.90%
BH_A257N0.0000PASSFAIL12.90%
BH_A258N0.0000PASSFAIL12.90%
BH_A259N0.0000PASSFAIL12.90%
BH_A262N0.0000PASSFAIL12.90%
BH_A263N0.0000PASSFAIL12.90%
BH_A264N0.0000PASSFAIL12.90%
BH_A265N0.0000PASSFAIL12.90%
BH_A270N0.0000PASSFAIL12.90%
BH_A271N0.0000PASSFAIL12.90%
BH_A272N0.0000PASSFAIL12.90%
BH_A273N0.0000PASSFAIL12.90%
BH_A279N0.0000PASSFAIL12.90%
BH_A280N0.0000PASSFAIL12.90%
BH_A289N0.0000PASSFAIL12.90%
BH_A290N0.0000PASSFAIL12.90%
BH_A300N0.0000PASSFAIL12.90%
BH_A301N0.0000PASSFAIL12.90%
BH_A302N0.0000PASSFAIL12.90%
BH_A303N0.0000PASSFAIL12.90%
BH_A304N0.0000PASSFAIL12.90%
BH_A305N0.0000PASSFAIL12.90%
BH_A310N0.0000PASSFAIL12.90%
BH_A311N0.0000PASSFAIL12.90%
BH_A312N0.0000PASSFAIL12.90%
BH_A313N0.0000PASSFAIL12.90%
BH_A314N0.0000PASSFAIL12.90%
BH_A315N0.0000PASSFAIL12.90%
BH_A320N0.0000PASSFAIL12.90%
BH_A321N0.0000PASSFAIL12.90%
BH_A328N0.0000PASSFAIL12.90%
BH_A329N0.0000PASSFAIL12.90%
BH_A337N0.0000PASSFAIL12.90%
BH_A338N0.0000PASSFAIL12.90%
BH_A347N0.0000PASSFAIL12.90%
BH_A348N0.0000PASSFAIL12.90%
BH_A357N0.0000PASSFAIL12.90%
BH_A358N0.0000PASSFAIL12.90%
BH_A359N0.0000PASSFAIL12.90%
BH_A360N0.0000PASSFAIL12.90%
BH_A361N0.0000PASSFAIL12.90%
BH_A367N0.0000PASSFAIL12.90%
BH_A368N0.0000PASSFAIL12.90%
BH_A369N0.0000PASSFAIL12.90%
BH_A370N0.0000PASSFAIL12.90%
BH_A371N0.0000PASSFAIL12.90%
BH_A377N0.0000PASSFAIL12.90%
BH_A378N0.0000PASSFAIL12.90%
BH_A385N0.0000PASSFAIL12.90%
BH_A386N0.0000PASSFAIL12.90%
BH_X001N0.0000PASSFAIL12.87%
BH_X002N0.0000PASSFAIL12.87%
BH_X003N0.0000PASSFAIL12.87%
BH_X004N0.0000PASSFAIL12.87%
BH_X005N0.0000PASSFAIL12.87%
BH_X006N0.0000PASSFAIL12.87%
BH_X007N0.0000PASSFAIL12.87%
BH_X008N0.0000PASSFAIL12.87%
BH_X009N0.0000PASSFAIL12.87%
BH_X010N0.0000PASSFAIL12.87%
BH_X011N0.0000PASSFAIL12.87%
BH_X012N0.0000PASSFAIL12.87%
BH_X013N0.0000PASSFAIL12.87%
BH_X014N0.0000PASSFAIL12.87%
BH_X015N0.0000PASSFAIL12.87%
BH_X016N0.0000PASSFAIL12.87%
BH_X017N0.0000PASSFAIL12.87%
BH_X018N0.0000PASSFAIL12.87%
BH_X019N0.0000PASSFAIL12.87%
BH_X020N0.0000PASSFAIL12.87%
BH_X021N0.0000PASSFAIL12.87%
BH_X022N0.0000PASSFAIL12.87%
BH_X023N0.0000PASSFAIL12.87%
BH_X024N0.0000PASSFAIL12.87%
BH_X025N0.0000PASSFAIL12.87%
BH_X026N0.0000PASSFAIL12.87%
BH_X027N0.0000PASSFAIL12.87%
BH_X028N0.0000PASSFAIL12.87%
BH_X029N0.0000PASSFAIL12.87%
BH_X030N0.0000PASSFAIL12.87%
BH_X031N0.0000PASSFAIL12.87%
BH_X032N0.0000PASSFAIL12.87%
BH_X033N0.0000PASSFAIL12.87%
BH_X034N0.0000PASSFAIL12.87%
BH_X035N0.0000PASSFAIL12.87%
BH_X036N0.0000PASSFAIL12.87%
BH_X037N0.0000PASSFAIL12.87%
BH_X038N0.0000PASSFAIL12.87%
BH_X039N0.0000PASSFAIL12.87%
BH_X040N0.0000PASSFAIL12.87%
BH_X041N0.0000PASSFAIL12.87%
BH_X042N0.0000PASSFAIL12.87%
BH_X043N0.0000PASSFAIL12.87%
BH_X044N0.0000PASSFAIL12.87%
BH_X045N0.0000PASSFAIL12.87%
BH_X046N0.0000PASSFAIL12.87%
BH_X047N0.0000PASSFAIL12.87%
BH_X048N0.0000PASSFAIL12.87%
BH_X049N0.0000PASSFAIL12.87%
BH_X050N0.0000PASSFAIL12.87%
BH_X051N0.0000PASSFAIL12.87%
BH_X052N0.0000PASSFAIL12.87%
BH_X053N0.0000PASSFAIL12.87%
BH_X054N0.0000PASSFAIL12.87%
BH_X055N0.0000PASSFAIL12.87%
BH_X056N0.0000PASSFAIL12.87%
BH_X057N0.0000PASSFAIL12.87%
BH_X058N0.0000PASSFAIL12.87%
BH_X059N0.0000PASSFAIL12.87%
BH_X060N0.0000PASSFAIL12.87%
BH_X061N0.0000PASSFAIL12.87%
BH_X062N0.0000PASSFAIL12.87%
BH_X063N0.0000PASSFAIL12.87%
BH_X064N0.0000PASSFAIL12.87%
BH_X065N0.0000PASSFAIL12.87%
BH_X066N0.0000PASSFAIL12.87%
BH_X067N0.0000PASSFAIL12.87%
BH_X068N0.0000PASSFAIL12.87%
BH_X069N0.0000PASSFAIL12.87%
BH_X070N0.0000PASSFAIL12.87%
BH_X071N0.0000PASSFAIL12.87%
BH_X072N0.0000PASSFAIL12.87%
BH_X073N0.0000PASSFAIL12.87%
BH_X074N0.0000PASSFAIL12.87%
BH_X075N0.0000PASSFAIL12.87%
BH_X076N0.0000PASSFAIL12.87%
BH_X077N0.0000PASSFAIL12.87%
BH_X078N0.0000PASSFAIL12.87%
BH_X079N0.0000PASSFAIL12.87%
BH_X080N0.0000PASSFAIL12.87%
BH_X081N0.0000PASSFAIL12.87%
BH_X082N0.0000PASSFAIL12.87%
BH_X083N0.0000PASSFAIL12.87%
BH_X084N0.0000PASSFAIL12.87%
BH_X085N0.0000PASSFAIL12.87%
BH_X086N0.0000PASSFAIL12.87%
BH_X087N0.0000PASSFAIL12.87%
BH_X088N0.0000PASSFAIL12.87%
BH_X089N0.0000PASSFAIL12.87%
BH_X090N0.0000PASSFAIL12.87%
BH_X091N0.0000PASSFAIL12.87%
BH_X092N0.0000PASSFAIL12.87%
BH_X093N0.0000PASSFAIL12.87%
BH_X094N0.0000PASSFAIL12.87%
BH_X095N0.0000PASSFAIL12.87%
BH_X096N0.0000PASSFAIL12.87%
BH_X097N0.0000PASSFAIL12.87%
BH_X098N0.0000PASSFAIL12.87%
BH_X099N0.0000PASSFAIL12.87%
BH_X100N0.0000PASSFAIL12.87%
BH_X101N0.0000PASSFAIL12.87%
BH_X102N0.0000PASSFAIL12.87%
BH_X103N0.0000PASSFAIL12.87%
BH_X104N0.0000PASSFAIL12.87%
BH_X105N0.0000PASSFAIL12.87%
BH_X106N0.0000PASSFAIL12.87%
BH_X107N0.0000PASSFAIL12.87%
BH_X108N0.0000PASSFAIL12.87%
BH_X109N0.0000PASSFAIL12.87%
BH_X110N0.0000PASSFAIL12.87%
BH_X111N0.0000PASSFAIL12.87%
BH_X112N0.0000PASSFAIL12.87%
BH_X113N0.0000PASSFAIL12.87%
BH_X114N0.0000PASSFAIL12.87%
BH_X115N0.0000PASSFAIL12.87%
BH_X116N0.0000PASSFAIL12.87%
BH_X117N0.0000PASSFAIL12.87%
BH_X118N0.0000PASSFAIL12.87%
BH_X119N0.0000PASSFAIL12.87%
BH_X120N0.0000PASSFAIL12.87%
BH_X121N0.0000PASSFAIL12.87%
BH_X122N0.0000PASSFAIL12.87%
BH_X123N0.0000PASSFAIL12.87%
BH_X124N0.0000PASSFAIL12.87%
BH_X125N0.0000PASSFAIL12.87%
BH_X126N0.0000PASSFAIL12.87%
BH_X127N0.0000PASSFAIL12.87%
BH_X128N0.0000PASSFAIL12.87%
BH_X129N0.0000PASSFAIL12.87%
BH_X130N0.0000PASSFAIL12.87%
BH_X131N0.0000PASSFAIL12.87%
BH_X132N0.0000PASSFAIL12.87%
BH_X133N0.0000PASSFAIL12.87%
BH_X134N0.0000PASSFAIL12.87%
BH_X135N0.0000PASSFAIL12.87%
BH_X136N0.0000PASSFAIL12.87%
BH_X137N0.0000PASSFAIL12.87%
BH_X138N0.0000PASSFAIL12.87%
BH_X139N0.0000PASSFAIL12.87%
BH_X140N0.0000PASSFAIL12.87%
BH_X141N0.0000PASSFAIL12.87%
BH_X142N0.0000PASSFAIL12.87%
BH_X143N0.0000PASSFAIL12.87%
BH_X144N0.0000PASSFAIL12.87%

06 回归结果

ParameterLabelEstimateStandard ErrorWald Chi-SquarePr > ChiSqStandardized Estimate
InterceptIntercept-1.73640.03782114.68<0.0001—
WOE_ScoreCust1ScoreCust1-0.81810.28068.500.0035-0.1171
WOE_ScoreCust2ScoreCust2-0.83320.29797.820.0052-0.1200
WOE_dxm_2025v2dxm_2025v2-0.81860.185319.52<0.0001-0.1171
WOE_score92663score92663-0.36760.36281.030.3110-0.0447
WOE_model_risk_v9_stongyong_scoremodel_risk_v9_stongyong_score-0.47630.32112.200.1380-0.0726
WOE_model_risk_v9_sxiaojin_scoremodel_risk_v9_sxiaojin_score-0.52830.31912.740.0978-0.0734
WOE_model_1034467model_1034467-0.41110.32811.570.2102-0.0490
WOE_model_1034468model_1034468-0.25820.42370.370.5422-0.0239
WOE_score_50021score_50021-0.80480.199016.36<0.0001-0.1097
WOE_zszs_xy_scorezszs_xy_score-0.43500.27732.460.1167-0.0388
WOE_xmf_v11xjxmf_v11xj-0.15520.36540.180.6710-0.0118
WOE_bh_CO4001scorebh_CO4001score-0.12170.20320.360.5493-0.0174
WOE_PY083PPY083P-0.42620.23443.300.0691-0.0449
WOE_risk_v8_slowirrrisk_v8_slowirr-0.46560.31512.180.1395-0.0641
WOE_mobile_fixed_grademobile_fixed_grade-0.09540.29330.110.7448-0.0088
WOE_adr_stability_gradeadr_stability_grade-0.24790.19851.560.2115-0.0344
WOE_have_car_prob_gradehave_car_prob_grade-0.23930.17231.930.1648-0.0353
WOE_tot_pay_amt_6m_gradetot_pay_amt_6m_grade-0.26420.20471.670.1969-0.0353
WOE_first_loan_length_gradefirst_loan_length_grade-0.56910.158112.960.0003-0.0892
WOE_avg_bal_6m_gradeavg_bal_6m_grade-0.03820.51300.010.9406-0.0039
WOE_repay_amt_6m_graderepay_amt_6m_grade-0.73940.36654.070.0437-0.1074
WOE_positive_biz_cnt_1y_gradepositive_biz_cnt_1y_grade-0.17160.28010.380.5401-0.0211
WOE_risk_scorerisk_score-0.90230.195521.30<0.0001-0.1450
WOE_cust_seg2cust_seg2-0.36750.20053.360.0668-0.0534
WOE_repayment_ability_rank2repayment_ability_rank2-0.19420.29350.440.5081-0.0174

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
ScoreCust13.20506
ScoreCust23.36298
dxm_2025v21.46917
score926633.60964
model_risk_v9_stongyong_score4.97405
model_risk_v9_sxiaojin_score4.41892
model_10344672.94815
model_10344682.90922
score_500211.49315
zszs_xy_score1.21950
xmf_v11xj1.44537
bh_CO4001score1.82658
PY083P1.46706
risk_v8_slowirr3.60070
mobile_fixed_grade1.27899
adr_stability_grade1.54311
have_car_prob_grade1.20764
tot_pay_amt_6m_grade1.63456
first_loan_length_grade1.42114
avg_bal_6m_grade5.81105
repay_amt_6m_grade5.67029
positive_biz_cnt_1y_grade2.67143
risk_score1.89309
cust_seg21.82959
repayment_ability_rank21.43178

相关系数（WOE 转换后，开发样本）

ScoreCust1ScoreCust2dxm_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_seg2repayment_ability_rank2
ScoreCust11.0000.8140.3480.3510.3140.2690.3300.3460.2350.1740.2980.3750.3790.3560.1620.1670.0820.1020.1070.0950.1220.0870.2550.2060.107
ScoreCust20.8141.0000.3760.3990.3680.3180.3870.3690.2730.2190.3210.3350.3470.4060.2140.2240.1170.1120.1460.0870.1200.0840.2780.2160.100
dxm_2025v20.3480.3761.0000.3270.3260.3180.2620.2550.2850.1840.4620.2540.3080.3370.1730.2250.1650.1330.1630.0910.1300.0810.2450.2110.136
score926630.3510.3990.3271.0000.7220.6610.3470.3380.4180.2330.3290.5050.3130.8230.1870.2260.1890.1740.1550.1080.1360.0720.2690.2440.153
model_risk_v9_stongyong_score0.3140.3680.3260.7221.0000.8660.3490.3160.4990.2580.3200.5110.3090.7060.2570.2630.2470.1860.2200.1270.1590.0910.2900.2730.183
model_risk_v9_sxiaojin_score0.2690.3180.3180.6610.8661.0000.3100.2680.4830.2700.2780.5100.2990.6720.2900.3090.2600.2340.2680.1580.1920.1230.3270.3020.210
model_10344670.3300.3870.2620.3470.3490.3101.0000.7970.3270.2010.2660.3020.2740.3460.1510.2020.1350.0900.1160.0240.0480.0040.1980.1770.108
model_10344680.3460.3690.2550.3380.3160.2680.7971.0000.3090.1780.2880.2960.2790.3290.0850.1160.0950.0490.0530.0010.023-0.0150.1510.1320.070
score_500210.2350.2730.2850.4180.4990.4830.3270.3091.0000.2410.2880.3880.2660.4200.2170.2260.2240.1670.1900.1170.1430.0760.2650.2560.191
zszs_xy_score0.1740.2190.1840.2330.2580.2700.2010.1780.2411.0000.1430.2320.1760.2470.1980.3010.1730.2270.1860.1560.1930.1340.2930.2800.207
xmf_v11xj0.2980.3210.4620.3290.3200.2780.2660.2880.2880.1431.0000.2600.3500.3260.0910.1090.0860.0730.0470.0420.0610.0270.1450.1420.077
bh_CO4001score0.3750.3350.2540.5050.5110.5100.3020.2960.3880.2320.2601.0000.4440.5310.2160.2700.2050.2850.1780.1790.2000.1400.3750.3180.199
PY083P0.3790.3470.3080.3130.3090.2990.2740.2790.2660.1760.3500.4441.0000.3270.1280.2240.1270.2150.1280.1810.1950.1740.2990.2510.161
risk_v8_slowirr0.3560.4060.3370.8230.7060.6720.3460.3290.4200.2470.3260.5310.3271.0000.2070.2530.1860.1830.1810.1200.1530.0900.2980.2660.178
mobile_fixed_grade0.1620.2140.1730.1870.2570.2900.1510.0850.2170.1980.0910.2160.1280.2071.0000.3400.2170.1750.3460.1340.1550.1090.2630.2540.188
adr_stability_grade0.1670.2240.2250.2260.2630.3090.2020.1160.2260.3010.1090.2700.2240.2530.3401.0000.2660.3650.3990.2770.3050.2520.4420.3760.243
have_car_prob_grade0.0820.1170.1650.1890.2470.2600.1350.0950.2240.1730.0860.2050.1270.1860.2170.2661.0000.2560.2360.1870.2230.1720.2780.2870.202
tot_pay_amt_6m_grade0.1020.1120.1330.1740.1860.2340.0900.0490.1670.2270.0730.2850.2150.1830.1750.3650.2561.0000.2380.4730.5180.3970.4700.3720.232
first_loan_length_grade0.1070.1460.1630.1550.2200.2680.1160.0530.1900.1860.0470.1780.1280.1810.3460.3990.2360.2381.0000.2550.2830.2720.4100.3260.228
avg_bal_6m_grade0.0950.0870.0910.1080.1270.1580.0240.0010.1170.1560.0420.1790.1810.1200.1340.2770.1870.4730.2551.0000.8940.7700.3740.2640.137
repay_amt_6m_grade0.1220.1200.1300.1360.1590.1920.0480.0230.1430.1930.0610.2000.1950.1530.1550.3050.2230.5180.2830.8941.0000.7420.4370.3190.165
positive_biz_cnt_1y_grade0.0870.0840.0810.0720.0910.1230.004-0.0150.0760.1340.0270.1400.1740.0900.1090.2520.1720.3970.2720.7700.7421.0000.4080.2370.109
risk_score0.2550.2780.2450.2690.2900.3270.1980.1510.2650.2930.1450.3750.2990.2980.2630.4420.2780.4700.4100.3740.4370.4081.0000.4750.259
cust_seg20.2060.2160.2110.2440.2730.3020.1770.1320.2560.2800.1420.3180.2510.2660.2540.3760.2870.3720.3260.2640.3190.2370.4751.0000.534
repayment_ability_rank20.1070.1000.1360.1530.1830.2100.1080.0700.1910.2070.0770.1990.1610.1780.1880.2430.2020.2320.2280.1370.1650.1090.2590.5341.000

08 最终评分卡

标准分600
标准ODD50
PDO20
变量分栏WOECoefficientScorecard Points
ScoreCust1(-inf, 622.5]-0.1728-0.818117
(622.5, 707.5]-0.1133-0.818119
(707.5, 749.5]-0.0319-0.818121
(749.5, 833.5]0.1034-0.818124
(833.5, inf]0.2339-0.818127
ScoreCust2(-inf, 603.5]-0.1948-0.833217
(603.5, 747.5]-0.1078-0.833219
(747.5, 802.5]0.0567-0.833223
(802.5, 844.5]0.1014-0.833224
(844.5, inf]0.2294-0.833227
dxm_2025v2(-inf, 387.5]-0.2037-0.818617
(387.5, 398.5]-0.0483-0.818620
(398.5, 412.5]0.0169-0.818622
(412.5, 425.5]0.0904-0.818624
(425.5, inf]0.2119-0.818626
score92663(-inf, 38.77465057373047]0.2090-0.367624
(38.77465057373047, 46.850149154663086]0.1208-0.367623
(46.850149154663086, 59.89684867858887]-0.0509-0.367621
(59.89684867858887, 66.31809997558594]-0.1051-0.367620
(66.31809997558594, inf]-0.1515-0.367620
model_risk_v9_stongyong_score(-inf, 38.5]0.2313-0.476325
(38.5, 44.5]0.1039-0.476323
(44.5, 48.5]0.0321-0.476322
(48.5, 59.5]-0.0753-0.476320
(59.5, inf]-0.2251-0.476318
model_risk_v9_sxiaojin_score(-inf, 35.5]0.1972-0.528324
(35.5, 42.5]0.1378-0.528324
(42.5, 50.5]0.0413-0.528322
(50.5, 58.5]-0.1308-0.528319
(58.5, inf]-0.2064-0.528318
model_1034467(-inf, 0.0710735023021698]0.1437-0.411123
(0.0710735023021698, 0.0934550017118454]0.1487-0.411123
(0.0934550017118454, 0.10137400031089783]-0.0158-0.411121
(0.10137400031089783, 0.16508999466896057]-0.1104-0.411120
(0.16508999466896057, inf]-0.1245-0.411120
model_1034468(-inf, 0.07395549863576889]0.1594-0.258223
(0.07395549863576889, 0.08735150098800659]0.0659-0.258222
(0.08735150098800659, 0.09519950300455093]0.0044-0.258222
(0.09519950300455093, 0.13253449648618698]-0.0556-0.258221
(0.13253449648618698, inf]-0.1268-0.258221
score_50021(-inf, 0.007949999999254942]0.2210-0.804827
(0.007949999999254942, 0.014750000089406967]0.1073-0.804824
(0.014750000089406967, 0.02075000014156103]-0.0144-0.804821
(0.02075000014156103, 0.03425000049173832]-0.1419-0.804818
(0.03425000049173832, inf]-0.1629-0.804818
zszs_xy_score(-inf, 686.5]-0.1118-0.435020
(686.5, 696.5]-0.0849-0.435020
(696.5, 712.5]-0.0358-0.435021
(712.5, 731.5]0.0607-0.435022
(731.5, inf]0.1590-0.435023
xmf_v11xj(-inf, 397.5]-0.1021-0.155221
(397.5, 433.5]-0.0617-0.155221
(433.5, 444.5]0.0109-0.155222
(444.5, 468.5]0.0892-0.155222
(468.5, inf]0.1190-0.155222
bh_CO4001score(-inf, 39.5]0.1988-0.121722
(39.5, 45.5]0.0745-0.121722
(45.5, 47.5]0.0068-0.121722
(47.5, 50.5]-0.0247-0.121721
(50.5, inf]-0.2028-0.121721
PY083P(-inf, 571.5]-0.1874-0.426219
(571.5, 597.5]-0.0554-0.426221
(597.5, 674.5]0.0399-0.426222
(674.5, 719.5]0.0968-0.426223
(719.5, inf]0.1414-0.426223
risk_v8_slowirr(-inf, 31.5]0.2427-0.465625
(31.5, 46.5]0.0826-0.465623
(46.5, 61.5]-0.0456-0.465621
(61.5, 70.5]-0.0984-0.465620
(70.5, inf]-0.1803-0.465619
mobile_fixed_grade(-inf, 4.5]-0.0284-0.095421
(4.5, 6.5]-0.0970-0.095421
(6.5, 7.5]-0.0489-0.095421
(7.5, 8.5]0.0197-0.095422
(8.5, inf]0.1565-0.095422
adr_stability_grade(-inf, 3.5]-0.1877-0.247920
(3.5, 5.5]-0.0360-0.247921
(5.5, 7.5]0.0411-0.247922
(7.5, 8.5]0.0680-0.247922
(8.5, inf]0.1769-0.247923
have_car_prob_grade(-inf, 1.5]-0.1272-0.239321
(1.5, inf]0.1760-0.239323
tot_pay_amt_6m_grade(-inf, 1.5]-0.1771-0.264220
(1.5, 2.5]0.0037-0.264222
(2.5, 5.5]0.0812-0.264222
(5.5, inf]0.1481-0.264223
first_loan_length_grade(-inf, 4.5]-0.1879-0.569118
(4.5, 6.5]-0.0702-0.569120
(6.5, inf]0.1799-0.569124
avg_bal_6m_grade(-inf, 1.5]-0.1402-0.038221
(1.5, 3.5]0.0044-0.038221
(3.5, 5.5]0.0663-0.038222
(5.5, 7.5]0.0691-0.038222
(7.5, inf]0.1033-0.038222
repay_amt_6m_grade(-inf, 1.5]-0.1751-0.739418
(1.5, 4.5]-0.0051-0.739421
(4.5, 6.5]0.1337-0.739424
(6.5, inf]0.1760-0.739425
positive_biz_cnt_1y_grade(-inf, 1.5]-0.1314-0.171621
(1.5, 2.5]-0.0214-0.171621
(2.5, 8.5]-0.0292-0.171621
(8.5, inf]0.1468-0.171622
risk_score(-inf, 1.5]0.2728-0.902329
(1.5, 2.5]0.0718-0.902323
(2.5, 3.5]-0.0757-0.902320
(3.5, 4.5]-0.0929-0.902319
(4.5, inf]-0.1973-0.902316
cust_seg2(-inf, 2.5]0.2071-0.367524
(2.5, 3.5]0.0262-0.367522
(3.5, inf]-0.2032-0.367519
repayment_ability_rank2(-inf, 1.5]0.0922-0.194222
(1.5, 2.5]0.1023-0.194222
(2.5, 3.5]-0.0396-0.194221
(3.5, inf]-0.1195-0.194221

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0.36400.4868
LR + WOE 评分卡预留验证样本0.32570.4280
LR + WOE 评分卡跨时间验证样本(OOT)0.25070.3442

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
10.0200 ~ 0.0486158310.01%15572611.81%0.99%1.64%1.64%59.8859.88
20.0486 ~ 0.0722158220.00%15255711.57%3.15%3.60%2.62%26.7537.13
30.0722 ~ 0.0963158230.00%146911311.14%7.43%7.14%4.13%13.0023.22
40.0964 ~ 0.1226158240.00%142016210.77%13.58%10.24%5.66%8.7716.68
50.1226 ~ 0.1519158250.00%138319910.49%21.12%12.58%7.04%6.9513.20
60.1519 ~ 0.1849158260.00%135123110.25%29.88%14.60%8.30%5.8511.05
70.1849 ~ 0.2216158270.00%12613219.56%42.06%20.29%10.01%3.938.99
80.2217 ~ 0.2643158280.00%12013819.11%56.50%24.08%11.77%3.157.49
90.2644 ~ 0.3220158289.99%11044788.37%74.63%30.21%13.82%2.316.24
100.3220 ~ 0.52271583100.00%9146696.93%100.00%42.26%16.67%1.375.00
TOTALS1582213185263716.67%—5.00

预留验证样本

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0203 ~ 0.052352110.00%5111011.17%1.58%1.92%1.92%51.1051.10
20.0524 ~ 0.072552120.00%4962510.84%5.52%4.80%3.36%19.8428.77
30.0725 ~ 0.093952130.00%5012010.95%8.68%3.84%3.52%25.0527.42
40.0940 ~ 0.116152140.00%4794210.47%15.30%8.06%4.65%11.4020.48
50.1161 ~ 0.139552150.00%4705110.27%23.34%9.79%5.68%9.2216.60
60.1396 ~ 0.165752160.00%4616010.07%32.81%11.52%6.65%7.6814.03
70.1657 ~ 0.195752170.00%446759.75%44.64%14.40%7.76%5.9511.89
80.1957 ~ 0.231752180.00%431909.42%58.83%17.27%8.95%4.7910.17
90.2319 ~ 0.287052190.00%4201019.18%74.76%19.39%10.11%4.168.89
100.2871 ~ 0.5048521100.00%3611607.89%100.00%30.71%12.17%2.267.22
TOTALS5210457663412.17%—7.22

跨时间验证样本(OOT)

组号分数区间(PD)样本数累计占比GoodBad累计Good占比累计Bad占比分组坏率累计坏率分组Odds累计Odds
10.0206 ~ 0.060349610.01%4801612.33%1.51%3.23%3.23%30.0030.00
20.0603 ~ 0.083049520.00%4336211.12%7.36%12.53%7.87%6.9811.71
30.0830 ~ 0.104649530.00%4158010.66%14.91%16.16%10.63%5.198.41
40.1046 ~ 0.125249640.01%4148210.63%22.64%16.53%12.11%5.057.26
50.1253 ~ 0.146049550.00%4118410.55%30.57%16.97%13.08%4.896.65
60.1461 ~ 0.170349559.99%3871089.94%40.75%21.82%14.54%3.585.88
70.1704 ~ 0.196249670.00%3661309.40%53.02%26.21%16.21%2.825.17
80.1962 ~ 0.230149580.00%3701259.50%64.81%25.25%17.34%2.964.77
90.2302 ~ 0.274349589.99%3271688.40%80.66%33.94%19.18%1.954.21
100.2747 ~ 0.4854496100.00%2912057.47%100.00%41.33%21.40%1.423.67
TOTALS49543894106021.40%—3.67

注：分数段基于模型输出 PD 等频分 10 档，按分数升序排列。

10 KS和GINI

LR + WOE 评分卡

样本KSGINI
开发样本0.36400.4868
预留验证样本0.32570.4280
跨时间验证样本(OOT)0.25070.3442

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0.1188

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_grade0.0639稳定
risk_score0.0582稳定
bh_CO4001score0.0401稳定
tot_pay_amt_6m_grade0.0389稳定
adr_stability_grade0.0305稳定
have_car_prob_grade0.0166稳定
model_risk_v9_sxiaojin_score0.0165稳定
ScoreCust10.0142稳定
cust_seg20.0115稳定
ScoreCust20.0110稳定
repay_amt_6m_grade0.0098稳定
PY083P0.0091稳定
avg_bal_6m_grade0.0084稳定
model_10344680.0081稳定
repayment_ability_rank20.0079稳定
positive_biz_cnt_1y_grade0.0070稳定
risk_v8_slowirr0.0065稳定
model_10344670.0062稳定
zszs_xy_score0.0054稳定
mobile_fixed_grade0.0053稳定
score926630.0048稳定
xmf_v11xj0.0025稳定
dxm_2025v20.0020稳定
model_risk_v9_stongyong_score0.0019稳定
score_500210.0009稳定
ScoreCust1 — PSI 0.0142
分栏开发基准比例OOT 比例变更贡献
(-inf, 622.5]14.61%16.94%2.32%0.0034
(622.5, 707.5]23.93%25.72%1.79%0.0013
(707.5, 749.5]14.90%15.50%0.60%0.0002
(749.5, 833.5]28.04%27.17%-0.87%0.0003
(833.5, inf]18.52%14.67%-3.84%0.0089
ScoreCust2 — PSI 0.0110
分栏开发基准比例OOT 比例变更贡献
(-inf, 603.5]16.42%17.66%1.24%0.0009
(603.5, 747.5]39.25%42.83%3.58%0.0031
(747.5, 802.5]17.74%16.55%-1.19%0.0008
(802.5, 844.5]10.27%9.51%-0.76%0.0006
(844.5, inf]16.32%13.44%-2.88%0.0056
dxm_2025v2 — PSI 0.0020
分栏开发基准比例OOT 比例变更贡献
(-inf, 387.5]27.21%25.82%-1.39%0.0007
(387.5, 398.5]17.34%18.51%1.17%0.0008
(398.5, 412.5]23.67%24.34%0.67%0.0002
(412.5, 425.5]14.87%15.12%0.25%0.0000
(425.5, inf]16.91%16.21%-0.70%0.0003
score92663 — PSI 0.0048
分栏开发基准比例OOT 比例变更贡献
(-inf, 38.77465057373047]16.52%16.71%0.20%0.0000
(38.77465057373047, 46.850149154663086]20.30%22.12%1.82%0.0016
(46.850149154663086, 59.89684867858887]39.41%39.10%-0.31%0.0000
(59.89684867858887, 66.31809997558594]14.13%14.08%-0.05%0.0000
(66.31809997558594, inf]9.64%7.98%-1.66%0.0031
model_risk_v9_stongyong_score — PSI 0.0019
分栏开发基准比例OOT 比例变更贡献
(-inf, 38.5]18.79%17.97%-0.82%0.0004
(38.5, 44.5]15.07%16.31%1.24%0.0010
(44.5, 48.5]13.02%12.86%-0.15%0.0000
(48.5, 59.5]34.01%34.60%0.59%0.0001
(59.5, inf]19.12%18.27%-0.85%0.0004
model_risk_v9_sxiaojin_score — PSI 0.0165
分栏开发基准比例OOT 比例变更贡献
(-inf, 35.5]14.39%14.38%-0.01%0.0000
(35.5, 42.5]18.48%20.90%2.42%0.0030
(42.5, 50.5]29.70%32.33%2.63%0.0022
(50.5, 58.5]23.77%22.20%-1.57%0.0011
(58.5, inf]13.66%10.19%-3.47%0.0102
model_1034467 — PSI 0.0062
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.0710735023021698]10.16%8.74%-1.42%0.0021
(0.0710735023021698, 0.0934550017118454]27.71%26.00%-1.71%0.0011
(0.0934550017118454, 0.10137400031089783]11.12%11.15%0.02%0.0000
(0.10137400031089783, 0.16508999466896057]38.29%39.54%1.24%0.0004
(0.16508999466896057, inf]12.71%14.58%1.87%0.0026
model_1034468 — PSI 0.0081
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.07395549863576889]12.62%11.09%-1.53%0.0020
(0.07395549863576889, 0.08735150098800659]22.10%20.65%-1.45%0.0010
(0.08735150098800659, 0.09519950300455093]11.48%10.52%-0.96%0.0008
(0.09519950300455093, 0.13253449648618698]28.83%29.45%0.62%0.0001
(0.13253449648618698, inf]24.97%28.29%3.32%0.0041
score_50021 — PSI 0.0009
分栏开发基准比例OOT 比例变更贡献
(-inf, 0.007949999999254942]18.16%17.03%-1.13%0.0007
(0.007949999999254942, 0.014750000089406967]28.65%29.07%0.42%0.0001
(0.014750000089406967, 0.02075000014156103]20.77%21.18%0.41%0.0001
(0.02075000014156103, 0.03425000049173832]22.11%22.27%0.16%0.0000
(0.03425000049173832, inf]10.30%10.44%0.14%0.0000
zszs_xy_score — PSI 0.0054
分栏开发基准比例OOT 比例变更贡献
(-inf, 686.5]10.24%8.59%-1.65%0.0029
(686.5, 696.5]11.41%10.55%-0.85%0.0007
(696.5, 712.5]28.46%27.99%-0.47%0.0001
(712.5, 731.5]31.06%33.13%2.07%0.0013
(731.5, inf]18.84%19.74%0.90%0.0004
xmf_v11xj — PSI 0.0025
分栏开发基准比例OOT 比例变更贡献
(-inf, 397.5]16.38%18.11%1.73%0.0017
(397.5, 433.5]48.16%46.56%-1.60%0.0005
(433.5, 444.5]9.94%9.71%-0.24%0.0001
(444.5, 468.5]14.97%15.31%0.34%0.0001
(468.5, inf]10.55%10.31%-0.23%0.0001
bh_CO4001score — PSI 0.0401
分栏开发基准比例OOT 比例变更贡献
(-inf, 39.5]17.96%21.64%3.69%0.0069
(39.5, 45.5]26.88%32.34%5.47%0.0101
(45.5, 47.5]10.92%10.38%-0.54%0.0003
(47.5, 50.5]15.85%14.54%-1.32%0.0011
(50.5, inf]28.39%21.10%-7.29%0.0217
PY083P — PSI 0.0091
分栏开发基准比例OOT 比例变更贡献
(-inf, 571.5]19.90%16.93%-2.97%0.0048
(571.5, 597.5]14.12%12.90%-1.22%0.0011
(597.5, 674.5]44.47%46.69%2.22%0.0011
(674.5, 719.5]11.89%13.49%1.60%0.0020
(719.5, inf]9.62%9.99%0.37%0.0001
risk_v8_slowirr — PSI 0.0065
分栏开发基准比例OOT 比例变更贡献
(-inf, 31.5]20.79%20.95%0.16%0.0000
(31.5, 46.5]25.67%27.05%1.38%0.0007
(46.5, 61.5]27.76%28.65%0.89%0.0003
(61.5, 70.5]14.34%14.28%-0.06%0.0000
(70.5, inf]11.45%9.08%-2.37%0.0055
mobile_fixed_grade — PSI 0.0053
分栏开发基准比例OOT 比例变更贡献
(-inf, 4.5]16.39%16.35%-0.04%0.0000
(4.5, 6.5]18.54%17.72%-0.81%0.0004
(6.5, 7.5]23.06%21.17%-1.89%0.0016
(7.5, 8.5]17.36%19.83%2.48%0.0033
(8.5, inf]24.66%24.92%0.27%0.0000
adr_stability_grade — PSI 0.0305
分栏开发基准比例OOT 比例变更贡献
(-inf, 3.5]33.62%26.97%-6.65%0.0146
(3.5, 5.5]10.17%9.07%-1.10%0.0013
(5.5, 7.5]24.21%26.38%2.17%0.0019
(7.5, 8.5]11.11%14.95%3.83%0.0114
(8.5, inf]20.89%22.63%1.75%0.0014
have_car_prob_grade — PSI 0.0166
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]61.14%54.78%-6.36%0.0070
(1.5, inf]38.86%45.22%6.36%0.0096
tot_pay_amt_6m_grade — PSI 0.0389
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]37.26%28.31%-8.95%0.0246
(1.5, 2.5]13.53%14.22%0.69%0.0003
(2.5, 5.5]28.84%32.37%3.53%0.0041
(5.5, inf]20.37%25.11%4.73%0.0099
first_loan_length_grade — PSI 0.0639
分栏开发基准比例OOT 比例变更贡献
(-inf, 4.5]20.91%11.84%-9.06%0.0515
(4.5, 6.5]17.01%16.99%-0.01%0.0000
(6.5, inf]62.08%71.16%9.08%0.0124
avg_bal_6m_grade — PSI 0.0084
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]49.99%48.06%-1.93%0.0008
(1.5, 3.5]13.06%11.93%-1.13%0.0010
(3.5, 5.5]12.96%12.72%-0.24%0.0000
(5.5, 7.5]13.59%14.18%0.59%0.0002
(7.5, inf]10.39%13.11%2.72%0.0063
repay_amt_6m_grade — PSI 0.0098
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]51.45%47.11%-4.34%0.0038
(1.5, 4.5]17.35%18.68%1.33%0.0010
(4.5, 6.5]18.23%21.38%3.14%0.0050
(6.5, inf]12.97%12.84%-0.13%0.0000
positive_biz_cnt_1y_grade — PSI 0.0070
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]29.66%26.89%-2.77%0.0027
(1.5, 2.5]9.67%9.11%-0.56%0.0003
(2.5, 8.5]10.51%9.69%-0.82%0.0007
(8.5, inf]50.17%54.31%4.14%0.0033
risk_score — PSI 0.0582
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]25.27%18.17%-7.10%0.0234
(1.5, 2.5]32.26%36.44%4.18%0.0051
(2.5, 3.5]17.96%23.65%5.69%0.0157
(3.5, 4.5]11.11%12.19%1.07%0.0010
(4.5, inf]13.40%9.55%-3.85%0.0131
cust_seg2 — PSI 0.0115
分栏开发基准比例OOT 比例变更贡献
(-inf, 2.5]22.93%20.40%-2.53%0.0030
(2.5, 3.5]50.23%55.57%5.34%0.0054
(3.5, inf]26.84%24.03%-2.81%0.0031
repayment_ability_rank2 — PSI 0.0079
分栏开发基准比例OOT 比例变更贡献
(-inf, 1.5]10.57%9.15%-1.42%0.0021
(1.5, 2.5]26.94%27.48%0.54%0.0001
(2.5, 3.5]35.23%38.67%3.44%0.0032
(3.5, inf]27.26%24.70%-2.56%0.0025

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

12 单变量分析

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

ScoreCust1
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 622.5]231214.61%166764527.90%2.58
2(622.5, 707.5]378638.54%296482221.71%3.61
3(707.5, 749.5]235853.44%191943918.62%4.37
4(749.5, 833.5]443681.48%386856812.80%6.81
5(833.5, inf]2930100.00%27671635.56%16.98
合计1582213185263716.67%5.00
ScoreCust2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 603.5]259816.42%186273628.33%2.53
2(603.5, 747.5]621055.67%4956125420.19%3.95
3(747.5, 802.5]280773.41%242238513.72%6.29
4(802.5, 844.5]162583.68%14841418.68%10.52
5(844.5, inf]2582100.00%24611214.69%20.34
合计1582213185263716.67%5.00
dxm_2025v2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 387.5]430527.21%3218108725.25%2.96
2(387.5, 398.5]274444.55%221453019.31%4.18
3(398.5, 412.5]374568.22%314859715.94%5.27
4(412.5, 425.5]235283.09%208526711.35%7.81
5(425.5, inf]2676100.00%25201565.83%16.15
合计1582213185263716.67%5.00
score92663
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 38.77465057373047]259316.52%24441495.75%16.40
2(38.77465057373047, 46.850149154663086]318736.82%283535211.04%8.05
3(46.850149154663086, 59.89684867858887]618676.23%5058112818.23%4.48
4(59.89684867858887, 66.31809997558594]221890.36%169852023.44%3.27
5(66.31809997558594, inf]1514100.00%105645830.25%2.31
合计1569813091260716.61%5.02
model_risk_v9_stongyong_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 38.5]295018.79%27801705.76%16.35
2(38.5, 44.5]236633.85%211525110.61%8.43
3(44.5, 48.5]204446.87%174829614.48%5.91
4(48.5, 59.5]534080.88%4312102819.25%4.19
5(59.5, inf]3003100.00%214086328.74%2.48
合计1570313095260816.61%5.02
model_risk_v9_sxiaojin_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 35.5]226014.39%21431175.18%18.32
2(35.5, 42.5]290232.87%26162869.86%9.15
3(42.5, 50.5]466462.57%396070415.09%5.62
4(50.5, 58.5]373286.34%289383922.48%3.45
5(58.5, inf]2145100.00%148366230.86%2.24
合计1570313095260816.61%5.02
model_1034467
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.0710735023021698]153510.16%1453825.34%17.72
2(0.0710735023021698, 0.0934550017118454]418837.87%372546311.06%8.05
3(0.0934550017118454, 0.10137400031089783]168148.99%138329817.73%4.64
4(0.10137400031089783, 0.16508999466896057]578787.29%4620116720.17%3.96
5(0.16508999466896057, inf]1921100.00%143448725.35%2.94
合计1511212615249716.52%5.05
model_1034468
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.07395549863576889]190712.62%17891186.19%15.16
2(0.07395549863576889, 0.08735150098800659]334034.72%288545513.62%6.34
3(0.08735150098800659, 0.09519950300455093]173546.20%145428116.20%5.17
4(0.09519950300455093, 0.13253449648618698]435775.03%354481318.66%4.36
5(0.13253449648618698, inf]3773100.00%294383022.00%3.55
合计1511212615249716.52%5.05
score_50021
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 0.007949999999254942]281018.16%26431675.94%15.83
2(0.007949999999254942, 0.014750000089406967]443346.82%387256112.66%6.90
3(0.014750000089406967, 0.02075000014156103]321467.59%265955517.27%4.79
4(0.02075000014156103, 0.03425000049173832]342189.70%262479723.30%3.29
5(0.03425000049173832, inf]1593100.00%110748630.51%2.28
合计1547112905256616.59%5.03
zszs_xy_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 686.5]159510.24%118041526.02%2.84
2(686.5, 696.5]177621.65%136641023.09%3.33
3(696.5, 712.5]443150.11%363579617.96%4.57
4(712.5, 731.5]483681.16%413869814.43%5.93
5(731.5, inf]2933100.00%26702638.97%10.15
合计1557112989258216.58%5.03
xmf_v11xj
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 397.5]255916.38%198257722.55%3.44
2(397.5, 433.5]752364.54%6139138418.40%4.44
3(433.5, 444.5]155374.48%130924415.71%5.36
4(444.5, 468.5]233989.45%207226711.42%7.76
5(468.5, inf]1648100.00%15241247.52%12.29
合计1562213026259616.62%5.02
bh_CO4001score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 39.5]284117.96%26451966.90%13.49
2(39.5, 45.5]425244.83%366658613.78%6.26
3(45.5, 47.5]172855.76%144927916.15%5.19
4(47.5, 50.5]250871.61%205445418.10%4.52
5(50.5, inf]4492100.00%3370112224.98%3.00
合计1582113184263716.67%5.00
PY083P
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 571.5]312619.90%230482226.30%2.80
2(571.5, 597.5]221834.02%177144720.15%3.96
3(597.5, 674.5]698678.49%5907107915.45%5.47
4(674.5, 719.5]186890.38%16841849.85%9.15
5(719.5, inf]1511100.00%1435765.03%18.88
合计1570913101260816.60%5.02
risk_v8_slowirr
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 31.5]326320.79%30651986.07%15.48
2(31.5, 46.5]402946.45%349253713.33%6.50
3(46.5, 61.5]435874.21%355680218.40%4.43
4(61.5, 70.5]225188.55%173551622.92%3.36
5(70.5, inf]1797100.00%124355430.83%2.24
合计1569813091260716.61%5.02
mobile_fixed_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 4.5]258216.39%211047218.28%4.47
2(4.5, 6.5]292134.93%228463721.81%3.59
3(6.5, 7.5]363357.98%294868518.85%4.30
4(7.5, 8.5]273575.34%230842715.61%5.41
5(8.5, inf]3885100.00%348040510.42%8.59
合计1575613130262616.67%5.00
adr_stability_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 3.5]529733.62%4049124823.56%3.24
2(3.5, 5.5]160243.79%128731519.66%4.09
3(5.5, 7.5]381568.00%324557014.94%5.69
4(7.5, 8.5]175179.11%154820311.59%7.63
5(8.5, inf]3291100.00%30012908.81%10.35
合计1575613130262616.67%5.00
have_car_prob_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]963361.14%7705192820.01%4.00
2(1.5, inf]6123100.00%542569811.40%7.77
合计1575613130262616.67%5.00
tot_pay_amt_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]587137.26%4534133722.77%3.39
2(1.5, 2.5]213150.79%178135016.42%5.09
3(2.5, 5.5]454479.63%392362113.67%6.32
4(5.5, inf]3210100.00%28923189.91%9.09
合计1575613130262616.67%5.00
first_loan_length_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 4.5]329420.91%243585926.08%2.83
2(4.5, 6.5]268037.92%212855220.60%3.86
3(6.5, inf]9782100.00%8567121512.42%7.05
合计1575613130262616.67%5.00
avg_bal_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]787749.99%6243163420.74%3.82
2(1.5, 3.5]205863.06%172133716.38%5.11
3(3.5, 5.5]204276.02%179125112.29%7.14
4(5.5, 7.5]214289.61%187926312.28%7.14
5(7.5, inf]1637100.00%14961418.61%10.61
合计1575613130262616.67%5.00
repay_amt_6m_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]810751.45%6344176321.75%3.60
2(1.5, 4.5]273368.80%227046316.94%4.90
3(4.5, 6.5]287387.03%258528810.02%8.98
4(6.5, inf]2043100.00%19311125.48%17.24
合计1575613130262616.67%5.00
positive_biz_cnt_1y_grade
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]467329.66%3655101821.78%3.59
2(1.5, 2.5]152339.32%124128218.52%4.40
3(2.5, 8.5]165649.83%134131519.02%4.26
4(8.5, inf]7904100.00%6893101112.79%6.82
合计1575613130262616.67%5.00
risk_score
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]398125.27%37272546.38%14.67
2(1.5, 2.5]508357.53%436272114.18%6.05
3(2.5, 3.5]282975.48%224258720.75%3.82
4(3.5, 4.5]175186.60%133142023.99%3.17
5(4.5, inf]2112100.00%146864430.49%2.28
合计1575613130262616.67%5.00
cust_seg2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 2.5]361322.93%33192948.14%11.29
2(2.5, 3.5]791473.16%6652126215.95%5.27
3(3.5, inf]4229100.00%3159107025.30%2.95
合计1575613130262616.67%5.00
repayment_ability_rank2
组号ValueTot. Records累计占比#Goods#BadsBad RateG/B Odds
1(-inf, 1.5]166510.57%15061599.55%9.47
2(1.5, 2.5]424537.51%370454112.74%6.85
3(2.5, 3.5]555172.74%4551100018.01%4.55
4(3.5, inf]4295100.00%336992621.56%3.64
合计1575613130262616.67%5.00

13 压力测试

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

测试情景1：跨时间(OOT)样本

变量贡献度

变量贡献度
risk_score0.1450
ScoreCust20.1200
dxm_2025v20.1171
ScoreCust10.1171
score_500210.1097
repay_amt_6m_grade0.1074
first_loan_length_grade0.0892
model_risk_v9_sxiaojin_score0.0734
model_risk_v9_stongyong_score0.0726
risk_v8_slowirr0.0641

区分度验证 — LR + WOE 评分卡 @ OOT

KS = 0.2507，GINI = 0.3442

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
10.0206 ~ 0.060349610.01%4801612.33%1.51%3.23%3.23%30.0030.00
20.0603 ~ 0.083049520.00%4336211.12%7.36%12.53%7.87%6.9811.71
30.0830 ~ 0.104649530.00%4158010.66%14.91%16.16%10.63%5.198.41
40.1046 ~ 0.125249640.01%4148210.63%22.64%16.53%12.11%5.057.26
50.1253 ~ 0.146049550.00%4118410.55%30.57%16.97%13.08%4.896.65
60.1461 ~ 0.170349559.99%3871089.94%40.75%21.82%14.54%3.585.88
70.1704 ~ 0.196249670.00%3661309.40%53.02%26.21%16.21%2.825.17
80.1962 ~ 0.230149580.00%3701259.50%64.81%25.25%17.34%2.964.77
90.2302 ~ 0.274349589.99%3271688.40%80.66%33.94%19.18%1.954.21
100.2747 ~ 0.4854496100.00%2912057.47%100.00%41.33%21.40%1.423.67
TOTALS49543894106021.40%—3.67