python信用卡客户_银行信用卡客户价值分析（Python数据分析）

import pandas as pd

from sklearn.preprocessing import StandardScaler

from sklearn.cluster import KMeans

data = pd.read_csv(r'credit_card.csv',sep=',',encoding='gbk')

print(data.columns)

#1.处理信用卡异常值

data1 = data[data['逾期'] != 1]

data2 = data[data['呆账'] != 1]

data3 = data[data['强制停卡记录'] != 1]

data4 = data[data['退票'] != 1]

data5 = data[data['拒往记录'] != 1]

data6 = data[data['瑕疵户'] != 1]

print(data6)

#2.构造信用卡客户风险关键特征

#(1)行为特征；(2)经济风险特征#；(3)收入风险特征；(4)标准化数据

data_action = data[['瑕疵户','逾期','呆账','强制停卡记录','退票','拒往记录']]

data_jingji = data[['借款余额', '个人月收入','个人月开销','家庭月收入','月刷卡额']