[the most detailed in history] statistical description of overdue days in credit

As the new epidemic continues , From Hong Kong to Shenzhen , Then to Shanghai and Jilin . The rampant expansion of the epidemic has made the individual economy worse , Many cities and industries have been affected . Forced to be quarantined due to the epidemic , Thus losing income , The number of people who are in debt or overdue has climbed , People from all walks of life have their own difficulties .
  
If it is overdue in the credit , How do we calculate the overdue days ？ For example, a person is 2022 year 4 Due to the epidemic, the income fell sharply in August , But the credit overdue , here we are 2022 year 5 Things got better in August , Pay back the overdue money , How to count the overdue days of this person ？ At this time, the statistical caliber can be divided into past overdue and current overdue , Corresponding to different values . And for credit institutions , In the calculation Vintage Table time , Will also face this situation . This article will work with you to thoroughly understand the calculation logic of overdue days .

  

One 、 Definition of overdue days

  
Within the time limit It refers to the customer's failure to repay the amount due in the current month in full on the repayment date , Then the contract will be overdue . Overdue includes historical overdue and current overdue . History is overdue It refers to once （ The time before the observation time point ） There have been overdue . Current overdue It refers to whether history has been overdue , As long as the observation time point is overdue , It is currently overdue . For example, although the customer was overdue in the past , But after a few days, it has been repaid , By the observation time point, there is no current overdue . Then the customer has historical overdue , No current overdue .
  
Days overdue DPD（Days Past Due） It refers to the fact that the customer has not made repayment on the due date , The overdue days are from the next day of the due date to the actual repayment date （ contain ） Number of days in the period , If the customer fails to repay in the current period and has no actual repayment date , Then take the data statistics day to replace the actual repayment day .
  
for example ：DPDN+ Indicates the number of days overdue ≥N Day's customers , Such as DPD60+ Indicates the number of days overdue ≥60 Day's customers .
  
Example ：
  

  
That is, on the first repayment date （2021 year 5 month 12 Japan ） Outstanding , that 2021 year 5 month 13 Day is one day overdue , Customers in 5 month 17 Daily repayment , The customer first exceeded 5 God . The statistics of overdue days are also divided into past overdue days and current overdue days . Next, a detailed description .
  
  

Two 、 Calculation logic of overdue days

  
In order to make the statistics of overdue days clearer , Next, use the method of drawing to elaborate .

  

1 Dimension of days overdue

  
The number of days overdue mainly considers whether the customer is overdue before the observation date , First, there are two situations: the repayment day is greater than or equal to the observation day and the repayment day is less than the observation day . The due date is greater than or equal to the observation date, indicating that the order has not reached the time of repayment , Naturally, there is no delay , The number of days overdue is naturally 0. The due date is less than the observation date , It is also divided into two situations: unsettled on the observation day and settled on the observation day , The specific calculation logic is as follows ：
  

Situation 1 ： Due date ≥ Observation day （Mob_date）

  
Days overdue =0
  

Case 2 ： Due date ＜ Observation day （Mob_date）

  
① Not settled by the observation day

  
Days overdue = Observation day - Due date
  
② By the observation day, it has been settled
  
  a． The settlement date is before the observation day

  
   Days overdue = clear date - Due date
  
   b． The settlement date is after the observation day

  
   Days overdue = Observation day - Due date

  

2 Current overdue days dimension

  
The current overdue days mainly consider whether the customer is overdue on the observation day , First, there are two situations: the repayment day is greater than or equal to the observation day and the repayment day is less than the observation day . The due date is greater than or equal to the observation date, indicating that the order has not reached the time of repayment , Naturally, there is no delay , The current overdue days are naturally 0. The due date is less than the observation date , It is also divided into two situations: unsettled on the observation day and settled on the observation day , The specific calculation logic is as follows ：

  

Situation 1 ： Due date ≥ Observation day （Mob_date）

  

  
Current overdue days =0

  

Case 2 ： Due date ＜ Observation day （Mob_date）

  
① Not settled by the observation day
  

  
Current overdue days = Observation day - Due date
  
② By the observation day, it has been settled
  
  a． The settlement date is before the observation day （ There's a difference ）
  

  
   Current overdue days =0
  
   b． The settlement date is after the observation day
  

  
   Current overdue days = Observation day - Due date

  

3 The statistical difference between the past overdue days and the current overdue days

  
From the above analysis, we can see that only on the due date ＜ Observation day , If the observation date has been settled and the settlement date is before the observation date, there is a difference between the past overdue days and the current overdue days .
  

  
Days overdue = clear date - Due date , But the current overdue days =0. For several other cases , The two methods of calculating overdue days are consistent , Write the corresponding SQL Just pay attention when .
  
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