array(2) {
  ["docs"]=>
  array(10) {
    [0]=>
    array(10) {
      ["id"]=>
      string(3) "428"
      ["text"]=>
      string(77) "Visual Studio 2017 单独启动MSDN帮助（Microsoft Help Viewer）的方法"
      ["intro"]=>
      string(288) "目录

ECharts
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ECharts
数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
chart.setOption({
    color: [
        "
      ["username"]=>
      string(8) "DonetRen"
      ["tagsname"]=>
      string(55) "Visual Studio 2017|MSDN帮助|C#程序|.NET|Help Viewer"
      ["tagsid"]=>
      string(23) "[401,402,403,"300",404]"
      ["catesname"]=>
      string(0) ""
      ["catesid"]=>
      string(2) "[]"
      ["createtime"]=>
      string(10) "1511400964"
      ["_id"]=>
      string(3) "428"
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    [1]=>
    array(10) {
      ["id"]=>
      string(3) "427"
      ["text"]=>
      string(42) "npm -v；报错 cannot find module "wrapp""
      ["intro"]=>
      string(288) "目录

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ECharts
数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
chart.setOption({
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        "
      ["username"]=>
      string(4) "zzty"
      ["tagsname"]=>
      string(50) "node.js|npm|cannot find module "wrapp“|node"
      ["tagsid"]=>
      string(19) "[398,"239",399,400]"
      ["catesname"]=>
      string(0) ""
      ["catesid"]=>
      string(2) "[]"
      ["createtime"]=>
      string(10) "1511400760"
      ["_id"]=>
      string(3) "427"
    }
    [2]=>
    array(10) {
      ["id"]=>
      string(3) "426"
      ["text"]=>
      string(54) "说说css中pt、px、em、rem都扮演了什么角色"
      ["intro"]=>
      string(288) "目录

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ECharts
数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
chart.setOption({
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        "
      ["username"]=>
      string(12) "zhengqiaoyin"
      ["tagsname"]=>
      string(0) ""
      ["tagsid"]=>
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      ["catesname"]=>
      string(0) ""
      ["catesid"]=>
      string(2) "[]"
      ["createtime"]=>
      string(10) "1511400640"
      ["_id"]=>
      string(3) "426"
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    [3]=>
    array(10) {
      ["id"]=>
      string(3) "425"
      ["text"]=>
      string(83) "深入学习JS执行--创建执行上下文（变量对象，作用域链，this）"
      ["intro"]=>
      string(288) "目录

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ECharts
数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
chart.setOption({
    color: [
        "
      ["username"]=>
      string(7) "Ry-yuan"
      ["tagsname"]=>
      string(33) "Javascript|Javascript执行过程"
      ["tagsid"]=>
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      string(0) ""
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      string(2) "[]"
      ["createtime"]=>
      string(10) "1511399901"
      ["_id"]=>
      string(3) "425"
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    array(10) {
      ["id"]=>
      string(3) "424"
      ["text"]=>
      string(30) "C# 排序技术研究与对比"
      ["intro"]=>
      string(288) "目录

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ECharts
数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
chart.setOption({
    color: [
        "
      ["username"]=>
      string(9) "vveiliang"
      ["tagsname"]=>
      string(0) ""
      ["tagsid"]=>
      string(2) "[]"
      ["catesname"]=>
      string(8) ".Net Dev"
      ["catesid"]=>
      string(5) "[199]"
      ["createtime"]=>
      string(10) "1511399150"
      ["_id"]=>
      string(3) "424"
    }
    [5]=>
    array(10) {
      ["id"]=>
      string(3) "423"
      ["text"]=>
      string(72) "【算法】小白的算法笔记：快速排序算法的编码和优化"
      ["intro"]=>
      string(288) "目录

ECharts
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ECharts
数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
chart.setOption({
    color: [
        "
      ["username"]=>
      string(9) "penghuwan"
      ["tagsname"]=>
      string(6) "算法"
      ["tagsid"]=>
      string(7) "["344"]"
      ["catesname"]=>
      string(0) ""
      ["catesid"]=>
      string(2) "[]"
      ["createtime"]=>
      string(10) "1511398109"
      ["_id"]=>
      string(3) "423"
    }
    [6]=>
    array(10) {
      ["id"]=>
      string(3) "422"
      ["text"]=>
      string(64) "JavaScript数据可视化编程学习（二）Flotr2，雷达图"
      ["intro"]=>
      string(288) "目录

ECharts
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ECharts
数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
chart.setOption({
    color: [
        "
      ["username"]=>
      string(7) "chengxs"
      ["tagsname"]=>
      string(28) "数据可视化|前端学习"
      ["tagsid"]=>
      string(9) "[396,397]"
      ["catesname"]=>
      string(18) "前端基本知识"
      ["catesid"]=>
      string(5) "[198]"
      ["createtime"]=>
      string(10) "1511397800"
      ["_id"]=>
      string(3) "422"
    }
    [7]=>
    array(10) {
      ["id"]=>
      string(3) "421"
      ["text"]=>
      string(36) "C#表达式目录树（Expression）"
      ["intro"]=>
      string(288) "目录

ECharts
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ECharts
数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
chart.setOption({
    color: [
        "
      ["username"]=>
      string(4) "wwym"
      ["tagsname"]=>
      string(0) ""
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      string(2) "[]"
      ["catesname"]=>
      string(4) ".NET"
      ["catesid"]=>
      string(7) "["119"]"
      ["createtime"]=>
      string(10) "1511397474"
      ["_id"]=>
      string(3) "421"
    }
    [8]=>
    array(10) {
      ["id"]=>
      string(3) "420"
      ["text"]=>
      string(47) "数据结构 队列_队列实例：事件处理"
      ["intro"]=>
      string(288) "目录

ECharts
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ECharts
数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
chart.setOption({
    color: [
        "
      ["username"]=>
      string(7) "idreamo"
      ["tagsname"]=>
      string(40) "C语言|数据结构|队列|事件处理"
      ["tagsid"]=>
      string(23) "["246","247","248",395]"
      ["catesname"]=>
      string(12) "数据结构"
      ["catesid"]=>
      string(7) "["133"]"
      ["createtime"]=>
      string(10) "1511397279"
      ["_id"]=>
      string(3) "420"
    }
    [9]=>
    array(10) {
      ["id"]=>
      string(3) "419"
      ["text"]=>
      string(47) "久等了,博客园官方Android客户端发布"
      ["intro"]=>
      string(288) "目录

ECharts
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ECharts
数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
chart.setOption({
    color: [
        "
      ["username"]=>
      string(3) "cmt"
      ["tagsname"]=>
      string(0) ""
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      string(2) "[]"
      ["catesname"]=>
      string(0) ""
      ["catesid"]=>
      string(2) "[]"
      ["createtime"]=>
      string(10) "1511396549"
      ["_id"]=>
      string(3) "419"
    }
  }
  ["count"]=>
  int(200)
}
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数据可视化在过去几年中取得了巨大进展。开发人员对可视化产品的期望不再是简单的图表创建工具，而是在交互、性能、数据处理等方面有更高的要求。
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                        <h1 class="page-title"><a href="/show-203440578.html" title="python贷款还款预测">python贷款还款预测</a></h1>
            
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<h2>
<a target="_blank" rel="nofollow"></a>(学习)python贷款还款预测</h2>
<p>贷款数据：<a href="https://pan.baidu.com/s/196a8C8Xs4OPsY3PVWc4UWQ" rel="nofollow" data-token="aab15bcf3d7c95b3df8fd45be8b87f30" target="_blank">https://pan.baidu.com/s/196a8C8Xs4OPsY3PVWc4UWQ</a><br>
提取码：k8oo<br>
代码：<br><a href="https://pan.baidu.com/s/1jMuZCYgU9h2i_4PB5ByqcA" rel="nofollow" data-token="8143e6b998d07a4a9d9ec21ab11adced" target="_blank">https://pan.baidu.com/s/1jMuZCYgU9h2i_4PB5ByqcA</a><br>
提取码：pvd7</p>
<h3>
<a target="_blank" rel="nofollow"></a>导入数据</h3>
<p><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpJd01pOWtaalF5T0Rnd01HSmhOR0k0WVdOaFpUVm1ZVGcxTXpRME1HUTJaRGszWVM1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"></p>
<h3>
<a target="_blank" rel="nofollow"></a>去掉全为NaN的列</h3>
<p><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpReU9TOW1aV05tT1RWa09XTTJPVFpsTkRWaVkyTTVORGhsWWpsa01qVXhOR1JtWkM1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"></p>
<h3>
<a target="_blank" rel="nofollow"></a>选择我们需要的列</h3>
<p><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpnd01pOHlaREJtTlRZNU9EWXlPVFUzTW1WaE5qTXpaak13TXpjd1pqQXdOV1JsTWk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"></p>
<p><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpRNE5TODRZVFZsT1dNeU56VTJNVGs0TVRka01qaGhPVEJsWlRJNE5UVTNZVE5rWkM1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"></p>
<h3>
<a target="_blank" rel="nofollow"></a>数据转换</h3>
<p>输入的变量必须是量化的值，不能是字符串<br>
数据清洗主要做数据类型的转换，以及处理缺失数据<br>
采用针对矩阵的元素的函数实现<br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpjMU55ODRaVEV3WkdRME5tWTRZbU01TVdFNU9EQXlORE00WXpBM016TTROemcxTlM1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpVNU1TODNOVFE1WVRnMVlUUTNNR013TkRnMk1HRmtNbVUwTkRrNVl6RTVPRGt4Tnk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THprM01DOHdNMlk0T0RVMk1qVmhNV0ZpTldJeVpEUTVaRFF4TjJZM05ESXpNakpoTWk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br>
describe<br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpZNE15OHdObUZqWmpoaVkyRmlPR1ptTlRRMllUVTJNbUZsWVRrNU1EVmlPVFk0WWk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"></p>
<h3>
<a target="_blank" rel="nofollow"></a>数据探索</h3>
<p><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpFMEwyVTNOMlZtTWpjeE5XVTBZMlZsT0RWbFlUUTFNV1F4TW1WbE9ESmtNVFZsTG5CdVp3PT0=" alt="python贷款还款预测" title="python贷款还款预测"></p>
<h3>
<a target="_blank" rel="nofollow"></a>箱图</h3>
<p>异常数据排除 比如箱线图的四分位<br>
只取25%–75%的数据<br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpZME5DOWxNREJtTkRjMFl6TTFNRGswTkRBd09EVTVNalV6WkRjeU5XTTFZbUUzTkM1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpZek1TOW1ZalJqWkdWaE5XSXdPRGhoWVdWaFlqYzRaR00yWkdJM056Z3lNR1l4Wmk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpjd055OHhaamhqTTJJME1EbGpNVEUzTXpBNE4ySTJNbUpoWWpNeE9EZGtaRGd6TXk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"></p>
<h3>
<a target="_blank" rel="nofollow"></a>相关性</h3>
<p>特征和特征的关系<br>
比如贷款量 分期付款的量 相关性 很大 合成一个 提高模型的准确性 和 效率<img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THprME5pOHdPRFkyTlRRME9EazBaalkwTURNM1lUTTVaamN6TWpnMlltSm1PVFpoTWk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br>
正相关的关系，相关性还是比较大的，比较好的办法是合并这些特征<br>
合并方法 PCA</p>
<h3>
<a target="_blank" rel="nofollow"></a>还款状态</h3>
<p>哪些用户已经还完了贷款，用饼状图来表示<br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpNeU1TODRNRGRtTVRBeE9EQmlZak16T0RSbE1URm1OalEwT0RRM05UZzRPV1ZqTVM1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"></p>
<h3>
<a target="_blank" rel="nofollow"></a>把被拒绝的数据合并</h3>
<p><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpNM0wyTTRZVGczTURNNU5tSXdZalUyT1RsaU5qUXhOakZrTWpJMllqQmpZVE0xTG5CdVp3PT0=" alt="python贷款还款预测" title="python贷款还款预测"><br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpneE55OHpabVl5WkRObU5ESTBaamN5Wmpnd01ETmlNVGd3TnpGbVptRXhNekl4TVM1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpFM09TOHpOalE0WlRGaVkyVTBOelF6TkRRelptWmlPVEpoTXpCbU9ETmlOVFJrTXk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"></p>
<h3>
<a target="_blank" rel="nofollow"></a>风险建模预测</h3>
<p><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpnME5pOWhZV00wTVdSbU5UUXlZbVZoTldSaE56WXdNekkzT1dJeU9XRTFNbVpoWlM1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpFME9DOHpNRGhpT0RVeU1ERmtNR05pWkdWbE5UZGxaVGxqTXpKaE5XRm1ZekUzWXk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br>
30%的数据来测试模型是否准确<br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpFNU5DODBOVGd5TURoak5HSTBNbVpsWXpOaVltSTBOMkV4T0RreU5HVXpOMkl3TWk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpRMU55OWxaV1V4WWpRNE9EVXlZV0ptWVdNd05HSTNaREJpTUdKa09UVmlaVFJsTVM1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br>
采用高斯朴素贝叶斯模型<br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpFeU5pOW1aR1l6WkRBelltSmtabVk0TnpJME1HSXhabUZrWVRFd05XSmpPREJoTmk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br>
模型预测可以给出概率的结果<br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpJd055OWlPVFF6TlRCa1pHVXpaR0V4T1dSaE1Ua3pZMkZoTUdZeVpHSTJNemhpTnk1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br>
返回概率最高的结果<br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpnNUx6VTFZamRqTUdJMVpEbGxZVE14WW1FMllXVTJObVl4WmpCbFlUa3laRGM1TG5CdVp3PT0=" alt="python贷款还款预测" title="python贷款还款预测"><br>
把预测的结果和真实的结果比较<br><img src="/default/index/img?u=L2RlZmF1bHQvaW5kZXgvaW1nP3U9YUhSMGNITTZMeTl3YVdGdWMyaGxiaTVqYjIwdmFXMWhaMlZ6THpnek1pODFZbUZoT1dGak9UUmlaVFl3TURrME1qbGxNamswTm1Wa05qWmpOakl3T0M1d2JtYz0=" alt="python贷款还款预测" title="python贷款还款预测"><br>
ps：另外的问题是样本集不均衡</p>
 
                    
            
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