根据人行征信，做特征衍生，写2-5个指标的中英文名，并且写出指标的类型，和风险类型，对其中的1个写伪代码指标逻辑和sql逻辑，特征衍生的经典一点，复杂一点

指标一：逾期次数（OverdueCount）
类型：数值型
风险类型：信用风险
伪代码逻辑：

overdue_count = 0
for each record in credit_records:
    if record.overdue_days > 0:
        overdue_count += 1

SQL逻辑：

SELECT COUNT(*) AS overdue_count
FROM credit_records
WHERE overdue_days > 0;

指标二：负债比例（DebtRatio）
类型：数值型
风险类型：债务风险
伪代码逻辑：

total_debt = 0
total_assets = 0
for each record in credit_records:
    total_debt += record.debt
    total_assets += record.assets
debt_ratio = total_debt / total_assets

SQL逻辑：

SELECT SUM(debt) AS total_debt, SUM(assets) AS total_assets, 
(total_debt/total_assets) AS debt_ratio
FROM credit_records;

指标三：月均消费（MonthlyExpense）
类型：数值型
风险类型：生活习惯风险
伪代码逻辑：

total_expense = 0
for each record in credit_records:
    total_expense += record.expense
monthly_expense = total_expense / number_of_months

SQL逻辑：

SELECT SUM(expense) AS total_expense, 
(DATEDIFF(MAX(date), MIN(date))/30) AS number_of_months,
(total_expense/number_of_months) AS monthly_expense
FROM credit_records;

指标四：信用评级（CreditRating）
类型：分类型
风险类型：信用风险
伪代码逻辑：

if credit_score >= 800:
    credit_rating = "A"
elif credit_score >= 700:
    credit_rating = "B"
elif credit_score >= 600:
    credit_rating = "C"
else:
    credit_rating = "D"

SQL逻辑：

SELECT CASE 
    WHEN credit_score >= 800 THEN 'A'
    WHEN credit_score >= 700 THEN 'B'
    WHEN credit_score >= 600 THEN 'C'
    ELSE 'D' END AS credit_rating
FROM credit_records;

指标五：稳定性指数（StabilityIndex）
类型：数值型
风险类型：职业稳定风险
伪代码逻辑：

stable_years = 0
for each record in employment_records:
    if record.duration > 1:
        stable_years += 1
stability_index = stable_years / number_of_employment_records

SQL逻辑：

SELECT COUNT(*) AS number_of_employment_records, 
SUM(CASE WHEN duration > 1 THEN 1 ELSE 0 END) AS stable_years,
(stable_years/number_of_employment_records) AS stability_index
FROM employment_records;