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Implementation of credit scoring card model based on logistic regression and lightgbm

In the credit business, business default often occurs. This paper maps the relationship between customer default rate and scorecard, and uses the fusion of logistic regression and lightgbm to establish the scorecard model to complete the construction of the scorecard. Firstly, the data set is loaded and analyzed. Finally, KS value and AUC value are used to evaluate the discrimination and stability of the model. Experiments show that the score card model based on the fusion model has good differentiation and stability.