互联网金融风控流程

import pandas as pd
from sklearn.model_selection import train_test_split
from sklearn.linear_model import LogisticRegression
from sklearn.metrics import accuracy_score

# 假设我们有一个包含用户信用数据的DataFrame
data = pd.read_csv('credit_data.csv')

# 特征和标签
X = data[['income', 'credit_history', 'debt_to_income_ratio']]
y = data['default']

# 划分训练集和测试集
X_train, X_test, y_train, y_test = train_test_split(X, y, test_size=0.2, random_state=42)

# 训练模型
model = LogisticRegression()
model.fit(X_train, y_train)

# 预测
y_pred = model.predict(X_test)

# 评估模型
accuracy = accuracy_score(y_test, y_pred)
print(f'模型准确率: {accuracy}')