cuhk-business-project's Introduction

CUHK-Business-project

The findings in my project in Business School, the Chinese University of Hong Kong.

Mission:

You work for a lending company that provides small loans to individual borrowers for 3 or 5 years. The company has collected data on the loans granted in the past few years. Your responsibility is to conduct analysis on the data and uncover insights about the loans’ performance. Good loans are the ones where the status is current or fully paid. Bad loans are the ones where the status is default, in grace period or late.

Data Field Definition

id Borrower’s id
loan_amount Amount of loan
term Term of loan
int_rate Interest rate
installment Monthly payment
emp_length Borrower’s employment length
home_ownership Borrower’s home ownership
annual_inc Borrower’s annual income
loan_status Status of the loan
purpose Purpose of the loan
addr_state Borrower’s residence state
dti Borrower’s debt-to-income ratio
delinq_2yrs The frequency of the borrower’s delinquencies in the last 2 years.
earliest_cr_line The date the borrower started his/her first credit line
mths_since_last_delinq The number of months since the borrower’s last delinquency
open_acc The number of the borrower’s open credit accounts
revol_bal The borrower’s revolving balance
total_acc The number of the borrower’s total credit accounts, including currently open & closed
out_prncp Outstanding principal of the loan
total_pymnt Total payment on the loan
total_rec_prncp Total received principal on the loan
total_rec_int Total received interest on the loan