农业贷款风控模型优化方案.docxVIP

农业贷款风控模型优化方案

目录

1.内容概览................................................3

1.1项目背景.............................................3

1.2项目目标.............................................4

1.3文件结构.............................................5

2.农业贷款风控模型现状分析................................6

2.1农业贷款市场概述.....................................7

2.2当前风控模型存在的问题...............................9

2.3风险因素识别与分析..................................10

3.农业贷款风控模型优化方案设计...........................11

3.1优化原则............................................12

3.2模型构建方法........................................13

3.2.1数据收集与处理..................................14

3.2.2特征工程........................................15

3.2.3模型选择........................................16

3.2.4模型训练与调优..................................18

3.3模型评估指标........................................19

4.数据准备与处理.........................................20

4.1数据来源............................................22

4.2数据清洗............................................22

4.3数据标准化..........................................23

4.4数据集划分..........................................24

5.特征工程...............................................25

5.1特征提取............................................27

5.2特征选择............................................28

5.3特征组合............................................29

6.模型构建与优化.........................................30

6.1传统模型............................................32

6.1.1线性回归........................................33

6.1.2决策树..........................................34

6.1.3支持向量机......................................35

6.2机器学习模型........................................37

6.2.1随机森林........................................38

6.2.2梯度提升机......................................40

6.2.3深度学习模型....................................41

6.3模型融合策略........................................42

7.模型评估与验证......................................