Index name

Index grading

WOE

IV

network access time

[6, 7]

1.06

0.66

(7, 11]

0.44

(11, 24]

−0.24

(24, 36]

−0.66

(36, 48]

−0.81

(48, 72]

−1.03

(72, 150]

−1.32

>150

−1.81

active days

(0, 2]

1.44

0.56

(2, 10]

0.55

(10, 20]

−0.02

(20, 25]

−0.39

(25, 29]

−0.73

>29

−0.83

number of overdue fees

0

−0.56

0.76

1

0.93

2

1.58

3

1.69

4

2.02

5

1.95

6

1.90

contact circle

(0, 1]

0.86

0.34

(1, 4]

−0.12

(4, 8]

−0.38

(8, 15]

−0.53

(15, 30]

−0.69

≥31

−0.73

number of traffic used

(0, 30]

0.79

0.26

(30, 200]

0.03

(200, 500]

−0.29

(500, 1000]

−0.45

(1000, 2000]

−0.56

>2000

−0.27

age

≤18

0.80

0.12

(18, 25]

0.14

(25, 50]

−0.13

>50

0.29