Research on Default Prediction for Credit Card Users Based on XGBoost-LSTM Model

Table 5

Model evaluation indicators of machine learning algorithms.

Algorithm	Train AUC	Train ACC	Test AUC	Test ACC	Test recall	Test precision
K neighbors	0.844	0.836	0.547	0.794	0.017	0.274
SVM	0.714	0.793	0.738	0.772	0.455	0.435
DecisionTree	0.855	0.855	0.852	0.853	0.459	0.705
RandomForest	0.857	0.841	0.854	0.838	0.245	0.818
AdaBoost	0.890	0.866	0.884	0.863	0.507	0.725
XGBoost	0.920	0.916	0.889	0.865	0.515	0.734