Lending Club是美国的一家P2P公司,位于旧金山,也是全球最大的撮合借款人和投资人的线上金融平台,它利用互联网模式建立了一种比传统银行系统更有效率的、能够在借款人和投资人之间自由配置资本的机制。本项目经过1000多行的代码,我完成了构建lending club的评分卡模型。
lending club贷款利率平均值是在13.2%,还是比较低的。总体范围在5.3%--29.0%之间 5.Lenging club信用等级风控模型是否管用?坏账出现出现在哪个信用等级上了? badloanDf=badloanDf.sort_values(by='grade',ascending=True)sns.countplot('grade',data=badloanDf)plt.ylabel('坏账件数')plt.xlabel('信用等级')pl...
更何况，Lending Club 能够正常运营的背后是有美国强大的信用体系支撑，这一点正好是中国P2P行业的短板。...
用户主要分布在加州,因为Lending Club总部在加州,对本地业务开拓比较深;其次是纽约州和德克萨斯州; 用户职业主要都是老师、管理者; 大部分用户工作了10+年以上,其余用户工作年限非常均匀,从1到9年的都有,数量相差不多; 极大部分用户年收入都大于20000美元,其中高于60000的用户占比大于50%; 用户画像2: 大...
Lending Club是全球最大的撮合借款人和投资人的线上金融平台,它利用互联网模式建立了一种比传统银行系统更有效率的、能够在借款人和投资人之间自由配置资本的机制。 经过1000多行的代码,我完成了构建lending club的评分卡模型。 文章大致分为下列几个阶段
Lending Club(以下简称LC)是美国的P2P互联网消费借贷平台,可以看做P2P行业的鼻祖。LC创始于2007年,2008金融危机期间抓住信贷缺失的机遇,快速发展,目前是美国最大的P2P平台。关于LC的业务模式参见《Lending Club简史》读书笔记--美国P2P行业发展浅析 本文结合kaggle的Lending Club数据集,分析了LC的业务状况、信贷违约,并...
LendingClub FAQs Review methodology With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such ...
When LendingClub started out a peer-to-peer lender, the grand idea was that the spread that banks got between taking deposits and making loans would be made thinner, with the difference going toindividuals, NOT Wall Street. Individual borrowers got loans at lower rates. Individual lenders got ...
This is due to the fact that Lending Club is “screening” the borrowers looking for good credit people only. The other feature I like is that Lending Club assigns a credit grade and rate based on some ingenious credit review process… I don’t have to bid because I know exactly what ...
Credit cards Checking Accounts LendingClub Banking has two main personal checking account offerings—Rewards Checking and Member Rewards Checking. There’s also a third option for customers who don’t meet the requirements for these two accounts. ...