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Python数据分析及可视化实例之银行信用卡违约预测

发布时间：2023-06-04 付费文章：2.0元

Talk is cheap

 

加载数据

import pandas as pd
df=pd.read_excel('LRGWFB.xls')
df.head()

年龄 教育 工龄 地址 收入 负债率 信用卡负债 其他负债 违约 0 41 3 17 12 176 9.3 11.359392 5.008608 1 1 27 1 10 6 31 17.3 1.362202 4.000798 0 2 40 1 15 14 55 5.5 0.856075 2.168925 0 3 41 1 15 14 120 2.9 2.658720 0.821280 0 4 24 2 2 0 28 17.3 1.787436 3.056564 1

是否有空值

df.isnull().any()
年龄       False
教育       False
工龄       False
地址       False
收入       False
负债率      False
信用卡负债    False
其他负债     False
违约       False
dtype: bool

目标集分类

df['违约'].unique()
array([1, 0], dtype=int64)

训练集、目标集分割

X, y = df.iloc[:,1:-1],df.iloc[:,-1]

特征相关性

classes = X.columns.tolist()
classes
['教育', '工龄', '地址', '收入', '负债率', '信用卡负债', '其他负债']

from yellowbrick.features import Rank2D
visualizer = Rank2D(algorithm='pearson',size=(800, 600),title="7特征向量的皮尔森相关系数")
visualizer.fit(X, y)
visualizer.transform(X)
visualizer.poof()
E:\Anaconda3\lib\site-packages\yellowbrick\features\rankd.py:262: FutureWarning: Method .as_matrix will be removed in a future version. Use .values instead.
  X = X.as_matrix()

 

 

 

 

 

 

 

 

 

特征重要性

from sklearn.ensemble import RandomForestClassifier
from yellowbrick.features.importances import FeatureImportances
model = RandomForestClassifier(n_estimators=10)
viz = FeatureImportances(model,size=(800, 600),title="随机森林算法分类训练特征重要性",xlabel='重要性评分')
viz.fit(X, y)
viz.poof()

 

 

 

 

 

 

 

 

 

分类报告

训练集、测试集分割

from sklearn.model_selection import train_test_split as tts
X_train, X_test, y_train, y_test = tts(X, y, test_size =0.2, random_state=10)

分类结果报告

from sklearn.ensemble import RandomForestClassifier
from yellowbrick.classifier import ClassificationReport
model = RandomForestClassifier(n_estimators=10)
visualizer = ClassificationReport(model, support=True,size=(800, 600),title="机森林算法分类报告")
visualizer.fit(X_train.values, y_train)
print('得分：',visualizer.score(X_test.values, y_test)) 
visualizer.poof()
得分： 0.7714285714285715

 

 

 

 

 

 

 

 

 

持久化保存

from sklearn.ensemble import RandomForestClassifier
model = RandomForestClassifier(n_estimators=10)
model.fit(X_train.values, y_train)
RandomForestClassifier(bootstrap=True, class_weight=None, criterion='gini',
            max_depth=None, max_features='auto', max_leaf_nodes=None,
            min_impurity_decrease=0.0, min_impurity_split=None,
            min_samples_leaf=1, min_samples_split=2,
            min_weight_fraction_leaf=0.0, n_estimators=10, n_jobs=None,
            oob_score=False, random_state=None, verbose=0,
            warm_start=False)
from sklearn.externals import joblib
joblib.dump(model,'model.pickle') #保存
['model.pickle']

载入训练模型

model = joblib.load('model.pickle') #载入
model.predict(X_test) # 输出每组数据的预测结果的标签值
array([0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 0, 1, 0, 0, 0, 0, 0, 0, 1, 1,
       0, 0, 0, 0, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 1, 0, 0, 0, 0, 0, 1, 0,
       1, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0,
       0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 1, 0,
       0, 0, 1, 0, 0, 0, 0, 0, 0, 1, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0,
       0, 0, 0, 0, 0, 0, 0, 0, 1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0,
       1, 0, 1, 1, 0, 0, 0, 0], dtype=int64)
model.predict_proba(X_test) # 输出的是二维矩阵 ，第i行j列表示测试数据第i行测试数据在每个label上的概率
array([[1. , 0. ],
       [0.9, 0.1],
       [0.8, 0.2],
       [1. , 0. ],
       [0.9, 0.1],
       [1. , 0. ],
       [0.5, 0.5],
       [0.8, 0.2],
       [0.9, 0.1],
       [1. , 0. ],
       [0.4, 0.6],
       [1. , 0. ],
       [0.6, 0.4],
       [0.3, 0.7],
       [1. , 0. ],
       [0.6, 0.4],
       [0.9, 0.1],
       [0.7, 0.3],
       [1. , 0. ],
       [0.9, 0.1],
       [0.4, 0.6],
       [0.4, 0.6],
       [0.5, 0.5],
       [1. , 0. ],
       [0.8, 0.2],
       [1. , 0. ],
       [0.9, 0.1],
       [0.5, 0.5],
       [0.1, 0.9],
       [0.9, 0.1],
       [0.8, 0.2],
       [0.6, 0.4],
       [0.8, 0.2],
       [0.9, 0.1],
       [0.7, 0.3],
       [1. , 0. ],
       [0.2, 0.8],
       [0.9, 0.1],
       [1. , 0. ],
       [1. , 0. ],
       [1. , 0. ],
       [0.9, 0.1],
       [0.4, 0.6],
       [0.7, 0.3],
       [0.4, 0.6],
       [0.9, 0.1],
       [0.5, 0.5],
       [0.1, 0.9],
       [1. , 0. ],
       [1. , 0. ],
       [0.8, 0.2],
       [0.7, 0.3],
       [1. , 0. ],
       [0.5, 0.5],
       [0.8, 0.2],
       [0.7, 0.3],
       [0.9, 0.1],
       [0.8, 0.2],
       [0.3, 0.7],
       [0.9, 0.1],
       [1. , 0. ],
       [0.9, 0.1],
       [0.9, 0.1],
       [0.9, 0.1],
       [0.8, 0.2],
       [0.9, 0.1],
       [1. , 0. ],
       [0.9, 0.1],
       [0.4, 0.6],
       [0.5, 0.5],
       [0.9, 0.1],
       [0.8, 0.2],
       [0.6, 0.4],
       [0.8, 0.2],
       [1. , 0. ],
       [1. , 0. ],
       [0.8, 0.2],
       [1. , 0. ],
       [0.9, 0.1],
       [0.6, 0.4],
       [1. , 0. ],
       [1. , 0. ],
       [0.7, 0.3],
       [1. , 0. ],
       [0.8, 0.2],
       [1. , 0. ],
       [0.3, 0.7],
       [0.9, 0.1],
       [0.7, 0.3],
       [0.5, 0.5],
       [0.4, 0.6],
       [1. , 0. ],
       [0.9, 0.1],
       [0.8, 0.2],
       [0.8, 0.2],
       [0.9, 0.1],
       [0.8, 0.2],
       [0.2, 0.8],
       [0.7, 0.3],
       [0.7, 0.3],
       [0.4, 0.6],
       [0.6, 0.4],
       [0.7, 0.3],
       [0.8, 0.2],
       [1. , 0. ],
       [0.5, 0.5],
       [0.8, 0.2],
       [1. , 0. ],
       [0.9, 0.1],
       [0.5, 0.5],
       [0.8, 0.2],
       [0.6, 0.4],
       [0.8, 0.2],
       [0.9, 0.1],
       [0.9, 0.1],
       [0.6, 0.4],
       [0.8, 0.2],
       [0.9, 0.1],
       [0.1, 0.9],
       [1. , 0. ],
       [1. , 0. ],
       [1. , 0. ],
       [0.9, 0.1],
       [0.6, 0.4],
       [1. , 0. ],
       [0.8, 0.2],
       [0.8, 0.2],
       [0.7, 0.3],
       [0.9, 0.1],
       [0.9, 0.1],
       [0.5, 0.5],
       [1. , 0. ],
       [0.2, 0.8],
       [0.9, 0.1],
       [0.4, 0.6],
       [0.2, 0.8],
       [0.8, 0.2],
       [1. , 0. ],
       [0.8, 0.2],
       [0.8, 0.2]])

 

 

 

该数据集为银行卡违约，付费后可以查看加密内容，获取下载链接，若链接失效，联系微信yeeyea


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