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使用 Azure HDInsight Spark 群集实现贷款冲销预测

冲销贷款是指债权人(通常是贷款机构)宣布的不太可能收回的一些债务,通常出现在债务人严重拖欠贷款时。鉴于高冲销会对贷款机构的年终财务状况产生负面影响,贷款机构通常会密切监测贷款冲销风险,以防发生贷款冲销。借助 Azure HDInsight R Server,贷款机构可以利用机器学习预测分析来预测出现贷款冲销的可能性,并对存储在 HDFS 和配置单元表中的分析结果运行报告。

Loan ChargeOff Prediction with Azure HDInsight Spark ClustersA charged off loan is a loan that is declared by a creditor (usually a lending institution) that an amount of debt is unlikely to be collected, usually when the loan repayment is severely delinquent by the debtor. Given that high chargeoff has negative impact on lending institutions' year end financials, lending institutions often monitor loan chargeoff risk very closely to prevent loans from getting charged-off. Using Azure HDInsight R Server, a lending institution can leverage machine learning predictive analytics to predict the likelihood of loans getting charged off and run a report on the analytics result stored in HDFS and hive tables.

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Loan ChargeOff Prediction with Azure HDInsight Spark ClustersA charged off loan is a loan that is declared by a creditor (usually a lending institution) that an amount of debt is unlikely to be collected, usually when the loan repayment is severely delinquent by the debtor. Given that high chargeoff has negative impact on lending institutions' year end financials, lending institutions often monitor loan chargeoff risk very closely to prevent loans from getting charged-off. Using Azure HDInsight R Server, a lending institution can leverage machine learning predictive analytics to predict the likelihood of loans getting charged off and run a report on the analytics result stored in HDFS and hive tables.

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