“数据分析案例：借贷平台”的版本间的差异

2020年11月18日 (三) 15:16的最新版本

题干

Prosper是美国一家p2p在在线借贷平台，网站可撮合一些有闲钱的人和基于用钱的热，用户若有贷款需求，可在网站上列出期望数额和可承受最大利率，潜在贷方则为数额和利率展开竞价，以下是该网站的部分数据

LoanStatus,BorrowerRate,ProsperScore,Occupation,EmploymentStatus,IsBorrowerHomeowner,CreditScoreRangeLower,CreditScoreRangeUpper,IncomeRange

Completed,0.158,,Other,Self-employed,TRUE,640,659,"$25,000-49,999"

Current,0.092,7,Professional,Employed,FALSE,680,699,"$50,000-74,999"

Completed,0.275,,Other,Not available,FALSE,480,499,Not displayed

Current,0.0974,9,Skilled Labor,Employed,TRUE,800,819,"$25,000-49,999"

Current,0.2085,4,Executive,Employed,TRUE,680,699,"$100,000+"

Current,0.1314,10,Professional,Employed,TRUE,740,759,"$100,000+"

Current,0.2712,2,Sales - Retail,Employed,FALSE,680,699,"$25,000-49,999"

Current,0.2019,4,Laborer,Employed,FALSE,700,719,"$25,000-49,999"

建表语句

建库

create database 库名;

建表，Prosper借贷平台 共81个字段

create table Prosper(

ListingKey string ,

ListingNumber int,

ListingCreationDate TIMESTAMP,

CreditGrade string,

Term int,

LoanStatus string,

ClosedDate TIMESTAMP,

BorrowerAPR float,

BorrowerRate float,

LenderYield float,

EstimatedEffectiveYield float,

EstimatedLoss float,

EstimatedReturn float,

ProsperRating(numeric) int,

ProsperRating (Alpha) string,

ProsperScore int,

ListingCategory (numeric) int,

BorrowerState string,

Occupation string,

EmploymentStatus string,

EmploymentStatusDuration int,

IsBorrowerHomeowner string,

CurrentlyInGroup string,

GroupKey string,

DateCreditPulled TIMESTAMP,

CreditScoreRangeLower int,

CreditScoreRangeUpper int,

FirstRecordedCreditLine TIMESTAMP,

CurrentCreditLines int,

OpenCreditLines int,

TotalCreditLinespast7years int,

OpenRevolvingAccounts int,

OpenRevolvingMonthlyPayment int,

InquiriesLast6Months int,

TotalInquiries int,

CurrentDelinquencies int,

AmountDelinquent int,

DelinquenciesLast7Years int,

PublicRecordsLast10Years int,

PublicRecordsLast12Months int,

RevolvingCreditBalance int,

BankcardUtilization float,

AvailableBankcardCredit int,

TotalTrades int,

TradesNeverDelinquent (percentage) float,

TradesOpenedLast6Months int,

DebtToIncomeRatio float,

IncomeRange string,

IncomeVerifiable string,

StatedMonthlyIncome double,

LoanKey string,

TotalProsperLoans int,

TotalProsperPaymentsBilled int,

OnTimeProsperPayments int,

ProsperPaymentsLessThanOneMonthLate int,

ProsperPaymentsOneMonthPlusLate int,

ProsperPrincipalBorrowed int,

ProsperPrincipalOutstanding double,

ScorexChangeAtTimeOfListing int,

LoanCurrentDaysDelinquent int,

LoanFirstDefaultedCycleNumber int,

LoanMonthsSinceOrigination int,

LoanNumber int,

LoanOriginalAmount int,

LoanOriginationDate TIMESTAMP,

LoanOriginationQuarter string,

MemberKey string,

MonthlyLoanPayment float,

LP_CustomerPayments double,

LP_CustomerPrincipalPayments double,

LP_InterestandFees double, LP_ServiceFees double,

LP_CollectionFees double,

LP_GrossPrincipalLoss double,

LP_NetPrincipalLoss double,

LP_NonPrincipalRecoverypayments double,

PercentFunded double,

Recommendations int,

InvestmentFromFriendsCount int,

InvestmentFromFriendsAmount double,

Investors int

)row format delimited

fields terminated by ',';

提取有用数据建表

create table test(

LoanStatus string,

BorrowerRate float,

ProsperScore int,

Occupation string,

EmploymentStatus string,

IsBorrowerHomeowner string,

CreditScoreRangeLower int,

CreditScoreRangeUpper int,

IncomeRange string

)row format delimited

fields terminated by ',';

数据清洗

导入另一个表

insert into table test select LoanStatus,BorrowerRate,ProsperScore,Occupation,EmploymentStatus,IsBorrowerHomeowner,CreditScoreRangeLower,CreditScoreRangeUpper,IncomeRange form perop;

导入后的数据示例

Completed,0.158,,Other,Self-employed,TRUE,640,659,"$25,000-49,999"

Current,0.092,7,Professional,Employed,FALSE,680,699,"$50,000-74,999"

Completed,0.275,,Other,Not available,FALSE,480,499,Not displayed

Current,0.0974,9,Skilled Labor,Employed,TRUE,800,819,"$25,000-49,999"

Current,0.2085,4,Executive,Employed,TRUE,680,699,"$100,000+"

Current,0.1314,10,Professional,Employed,TRUE,740,759,"$100,000+"

Current,0.2712,2,Sales - Retail,Employed,FALSE,680,699,"$25,000-49,999"

Current,0.2019,4,Laborer,Employed,FALSE,700,719,"$25,000-49,999"

Current,0.0629,9,Food Service,Employed,TRUE,820,839,"$25,000-49,999"

Current,0.0629,11,Food Service,Employed,TRUE,820,839,"$25,000-49,999"

Current,0.2489,7,Fireman,Employed,FALSE,640,659,"$75,000-99,999"

Completed,0.1325,,Waiter/Waitress,Full-time,FALSE,640,659,"$1-24,999"

Past Due (1-15 days),0.1435,4,Sales - Retail,Employed,FALSE,680,699,"$25,000-49,999"

Current,0.1034,8,Construction,Employed,TRUE,740,759,"$50,000-74,999"

Current,0.0949,8,Computer Programmer,Employed,FALSE,740,759,"$100,000+"

Defaulted,0.3177,5,Other,Other,TRUE,700,719,"$50,000-74,999"

Current,0.2809,4,Professional,Full-time,TRUE,640,659,"$75,000-99,999"

Chargedoff,0.125,,Professional,Not available,TRUE,760,779,Not displayed

Current,0.0974,7,Sales - Commission,Employed,FALSE,740,759,"$75,000-99,999"

Current,0.2225,8,Laborer,Employed,FALSE,680,699,"$25,000-49,999"

Current,0.1314,7,Retail Management,Employed,TRUE,660,679,"$50,000-74,999"

Completed,0.2075,,Professional,Full-time,FALSE,620,639,"$25,000-49,999"

数据分析

信用得分对借款的影响

select ProsperScore,avg(BorrowerRate) as t from loan group by ProsperScore;

1. 职业对借款难易的影响 (拿不准)

select Occupation,avg(BorrowerRate) from loan group by Occupation;

违约客户的就业信息分布情况

select Occupation,count(*) from loan

where LoanStatus='Defaulted' or LoanStatus='Chargedoff'

group by Occupation;

贷款人的收入范围统计

select IncomeRange,count(*) from loan

group by IncomeRange;

不同职业的信用得分分布

select Occupation,ProsperScore,count(ProsperScore) from loan

group by Occupation,ProsperScore;