Improved ML-Based Technique for Credit Card Scoring in Internet Financial Risk Control

Table 7

Test set sample score.

Score:	GS	GS rate (%)	BS	BS rate (%)	TS	TR (%)	BR (%)
[low, 575]	366	6.01	542	24.63	908	10.02	51.28
[576, 585]	518	8.31	396	15.32	914	9.65	32.32
[586, 595]	722	9.35	345	15.2	1067	10.86	30.19
[595, 601]	699	9.35	263	10.36	962	9.52	21.25
[602, 608]	885	10.52	132	9.52	1017	10.27	18.77
[609, 615]	887	10.36	106	7.02	988	9.65	14.38
[616, 622]	896	10.89	96	5.99	992	9.68	12.35
[623, 630]	902	11.96	90	5.26	992	10.05	10.37
[631, 641]	932	11.68	68	3.88	1000	10.01	7.85
[642, high]	941	12.05	35	1.38	976	9.68	2.73