Research on Personal Credit Score Card Model Based on Logistic Regression
Building an effective personal credit risk assessment system to address potential personal credit risks is of great practical significance for the financial industry and the general public.This paper first cleans and preprocesses the data,and then uses WOE coding and binning and IV values for variable screening.A logistic regression model is constructed,and a personal credit score card model is established based on the logistic regression model.This model can assist decision-makers in formulating reasonable credit policies,pricing strategies,and other related business operation strategies.
国家科技期刊平台
NSTL
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