Credit Risk Classification Dataset
A comprehensive view of the credit-risk profile of customers, enabling credit-risk managers to better understand the characteristics of high-risk and low-risk customers, as well as the factors affecting credit risk.
- Labeling Type: Credit Risk Level
- Data Format: Tabular
- Data Type: Synthetic Data
Main product
Data Quantity (Samples)
Total Price
$ 14,600
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About Dataset
1) Data introduction
• Credit-risk dataset is data on customer transactions and demographics, dividing risky and non-risky customers for specific banking products.2) Data utilization
(1) Credit-risk data has characteristics that: • The data consists of 12 columns, including type of delinquency, number of days of delinquency, and credit limit, and is classified as high risk = 1 and low risk = 0. (2) Credit-risk data can be used to: • Risk Management: The dataset identifies key factors affecting credit risk to help you develop risk management strategies by better monitoring and mitigating potential defaults. • Policy formulation: Regulators and policymakers can analyze this data to understand credit risk patterns and develop regulations to ensure fair and responsible lending practices.Meta Data
Excellent
Outstanding
Data Samples
Utility
| Downstream Classification (▲) | Entropy (▲) | MMD (▼) | 2D Correlation Similarity (▼) | One Class Classification (▼) | Duplication Rate (▼) | |
|---|---|---|---|---|---|---|
| Total | 0 | 0 | 0 | 0 | 0 | 0 |
| Suitability | OK | OK | OK | OK | OK | OK |
The higher the value, the better (▲)
Model Performance
Downstream classification accuracy is an indicator used to evaluate the usefulness of synthetic data. It measures whether synthetic data performs similarly to real data. The method involves training the same model separately on real data and synthetic data, and then comparing the accuracies of the two models. Interpretation: A high accuracy rate means that the model trained on synthetic data performs similarly to the one trained on real data, indicating that the synthetic data is of high quality and well represents the real data.
The closer the value is to 0 or 1, or the lower the number, the better (▼)
Quality
MMD (Maximum Mean Discrepancy) is a metric used to assess the similarity between two probability distributions. It is commonly used to compare generated data with real data. High MMD score: A score above 0.05 indicates that the two distributions may differ. Low MMD score: Indicates that the generated data is similar to the real data. A score close to 0 is preferable, and a score below 0.01 suggests that the two data distributions are nearly indistinguishable.
Quality
2D Relationship Similarity measures the similarity in correlation structures between two datasets by comparing the correlation coefficients of columns in the original and generated data. High value (0.05 or above): Suggests differences in correlation structures, indicating the generated data may differ from the original. Low value: Indicates that the correlation structure of the generated data is similar to the original data. For instance, a 2D Relationship Similarity below 0.01 suggests the datasets are very similar.
Duplication Rate
Duplication Rate represents the proportion of identical or nearly identical items within a dataset. It is calculated by dividing the number of duplicate items by the total number of items. High Duplication Rate: Indicates lower data diversity and potential quality issues, which can reduce the reliability of analysis and models. Low Duplication Rate: Suggests higher data diversity and better quality.
Privacy
| Identification Risk (▼) | Linkage Risk (▼) | Inference Risk (▼) (Adjust by subtracting 0.5) | |
|---|---|---|---|
| Total | 0 | 0 | 0 |
| Suitability | OK | OK | OK |
The closer to zero or the lower the value, the better (▼)
Structural Similarity
Identification risk assesses how well synthetic data protects the privacy of the original data. It measures the likelihood that synthetic data can match records from the original data, thereby evaluating the potential for identifying specific individuals. Interpretation: A value closer to 0 indicates that the synthetic data is effectively protecting personal information. The level of risk considered safe can vary depending on the nature and sensitivity of the information contained in the data.
Perceptual Similarity
Linkage risk assesses the risk of inferring sensitive information from the original data using synthetic data. It measures the proportion of quasi-identifier values in the synthetic data that match those in the original data when an attacker knows quasi-identifier information from the original data. High Duplication Rate: Indicates lower data diversity and potential quality issues, which can reduce the reliability of analysis and models. Interpretation: A lower risk indicates that the data is safer, meaning there is a reduced likelihood of inferring sensitive information.
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