Not available for all cars:If you have a car that is older than 10 years old, you won’t qualify for a loan refinance with LendingClub. Your vehicle also must have less than 120,000 miles on it and not be one of the restricted makes or models. Vehicle state registration restrictions:R...
If this is your situation, it can be helpful to remember that Lending Club is acting on the best information they have about you. Perhaps the loan application you filled out included some new negative facts that decreased your chances of getting a loan. There are a lot of possible reasons ...
Lending Club的商业模式中大概的流程如下图所示 借款人向Lending Club发起贷款申请,Lending Club对借款人的资质进行打分,审核过贷款业务转给WebBank,WebBank向借款人发放贷款,与借款人签署借款本票并将其平价转让给Lending Club,Lending Club将借款本票进行资产证券化,投资人从Lending Club中选择合适的理财产品进行投资。
Lending Club handles the loan documents, processing payments and discharging bad debts (so neither the lenders nor the borrowers need to understand the full legality of lending money – the company takes care of that). Lending Club makes its money by taking a cut of the loan when it’s ...
数据下载地址:https://www.lendingclub.com/info/download-data.action 2.2. 导入数据 #导入数据分析包importpandasaspdimportnumpyasnpimportmatplotlib.pyplotaspltimportseabornassnsimportwarningswarnings.filterwarnings('ignore')%matplotlibinline#导入数据loanDf=pd.read_csv('C:\sandra\loan\LoanStats_2017Q4.csv'...
data=pd.read_csv('LoanStats_2017Q2.csv',encoding='latin-1',skiprows=1)#读取数据data.head()#查看表格默认前5行 统计每列属性缺失值的数量。 check_null=data.isnull().sum(axis=0).sort_values(ascending=False)/float(len(data))#查看缺失值比例print(check_null[check_null>0.2])# 查看缺失比例大...
df['loan_status'] = df['loan_status'].map(status_mapping) print(df['loan_status'].value_counts()) 0.000 34113 1.000 6431 可以看出来此样本数据正常还款远远高于违约,数据属于不平衡样本,后期要做不平衡样本处理。 2.贷款金额分布 df['loan_amnt'].describe() ...
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LendingCLub数据库说明文档
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