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 |