Datascience & ml: detailed introduction to risk control indicators / field related concepts and dimension logic of risk control in the field of financial technology

DataScience&ML： Risk control indicators of risk control in the financial technology field / Field related concepts 、 Detailed introduction to caliber logic

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Risk control indicators / Field related concepts 、 Caliber logic

Basic indicators

Depth index

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Risk control indicators / Field related concepts 、 Caliber logic

Basic indicators

name	english	meaning / Caliber logic	give an example
Account age	Month on Book,MOB	Refers to the month of asset lending . It's similar to a baby having an age at birth , Once the loan application order is released , Then you have the aging and life cycle .	MOB0： From the lending date to the end of the month MOB1： The second full month after the loan MOB2： The third full month after the loan MOB The maximum value of depends on the term of the credit product . If it is 12 Phase I products , The life cycle of the asset is 12 period ,MOB Maximum to MOB12. for example ,2019 year 11 month 13 Order for daily disbursement ,2019 year 11 Month is MOB0,2019 year 12 Month is MOB1, And so on .
Days overdue	Days Past Due,DPD	Days overdue = Actual repayment date - Repayment date .	DPDN+： Indicates the number of days overdue >= N God ; DPD30+： Indicates the number of days overdue >=30 Days of assets ; for example , If the repayment date is monthly 8 Number , that 9 No. is the first day overdue . If the customer is 10 Repayment No , So overdue 2 God .
Number of overdue periods	Month	It refers to the overdue days between the actual repayment date and the repayment date , And the overdue status divided by interval .（ notes ： The interval division defined by different organizations may be different ）	M0： Currently not overdue （ Or use C Express , Taken from the Current） M1： Within the time limit 1~30 Japan ; M2： Within the time limit 31~60 Japan ; M3： Within the time limit 61~90 Japan ; M4： Within the time limit 91~120 Japan ; M5： Within the time limit 121~150 Japan ; M6： Within the time limit 151~180 Japan ; M7： Within the time limit 180 More than days ; This is also called bad debt （Bad Debts）, The account will be cancelled （write-off）

Depth index

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