根据人行征信,做特征衍生,写3个指标的中英文名,并且写出指标的特征类型,以及特征的风险类型,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,独特一点
时间: 2024-04-29 22:23:38 浏览: 22
1. 逾期次数(Overdue Count)
特征类型:计数型特征
特征风险类型:风险指标,逾期次数越高,风险越大。
伪代码逻辑:
```
overdue_count = 0
for 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
```
2. 借款人还款能力(Borrower Repayment Capacity)
特征类型:数值型特征
特征风险类型:风险指标,还款能力越弱,风险越大。
伪代码逻辑:
```
total_repayment = 0
for record in credit_records:
total_repayment += record.repayment_amount
repayment_capacity = total_repayment / total_income
```
SQL逻辑:
```
SELECT SUM(repayment_amount) / SUM(income) AS repayment_capacity
FROM credit_records
```
3. 信用卡额度使用率(Credit Card Utilization)
特征类型:数值型特征
特征风险类型:风险指标,使用率越高,风险越大。
伪代码逻辑:
```
total_limit = 0
total_balance = 0
for record in credit_records:
if record.credit_type == 'credit card':
total_limit += record.credit_limit
total_balance += record.credit_balance
credit_utilization = total_balance / total_limit
```
SQL逻辑:
```
SELECT SUM(credit_balance) / SUM(credit_limit) AS credit_utilization
FROM credit_records
WHERE credit_type = 'credit card'
```
特征衍生:逾期率(Overdue Rate)
特征类型:数值型特征
特征风险类型:风险指标,逾期率越高,风险越大。
伪代码逻辑:
```
overdue_count = 0
total_count = 0
for record in credit_records:
if record.overdue_days > 0:
overdue_count += 1
total_count += 1
overdue_rate = overdue_count / total_count
```
SQL逻辑:
```
SELECT COUNT(CASE WHEN overdue_days > 0 THEN 1 END) / COUNT(*) AS overdue_rate
FROM credit_records
```
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