| # Exemples réalistes pour POST /predict |
|
|
| Cinq profils-types couvrant le spectre de risque attendu par le modèle : |
| trois clients **connus** (SK_ID_CURR présent dans `features_store.parquet`, |
| donc historique bureau/prev/POS/CC/install agrégé) et deux clients |
| **inconnus** (SK_ID_CURR absent, le `no_history_template` neutralise tout |
| l'historique et le score ne repose plus que sur les inputs `app_train`). |
| Toutes les valeurs respectent les bornes définies dans `api/schemas.py`. |
|
|
| --- |
|
|
| ## 1) Profil faible risque — cadre stable, propriétaire, scores externes élevés |
|
|
| Femme 42 ans, mariée, Higher education, manager dans une banque, revenu confortable, |
| ancienneté ~10 ans, propriétaire d'un bien immobilier et d'une voiture, EXT_SOURCE élevés, |
| ratio crédit/revenu modéré. |
| |
| ```json |
| { |
| "SK_ID_CURR": 282751, |
| "NAME_CONTRACT_TYPE": "Cash loans", |
| "CODE_GENDER": "F", |
| "FLAG_OWN_CAR": "Y", |
| "FLAG_OWN_REALTY": "Y", |
| "CNT_CHILDREN": 1, |
| "AMT_INCOME_TOTAL": 270000, |
| "AMT_CREDIT": 600000, |
| "AMT_ANNUITY": 28500, |
| "AMT_GOODS_PRICE": 540000, |
| "NAME_TYPE_SUITE": "Unaccompanied", |
| "NAME_INCOME_TYPE": "Commercial associate", |
| "NAME_EDUCATION_TYPE": "Higher education", |
| "NAME_FAMILY_STATUS": "Married", |
| "NAME_HOUSING_TYPE": "House / apartment", |
| "REGION_POPULATION_RELATIVE": 0.035792, |
| "DAYS_BIRTH": -15400, |
| "DAYS_EMPLOYED": -3650, |
| "DAYS_REGISTRATION": -4200.0, |
| "DAYS_ID_PUBLISH": -2800, |
| "OWN_CAR_AGE": 4, |
| "FLAG_MOBIL": 1, |
| "FLAG_EMP_PHONE": 1, |
| "FLAG_WORK_PHONE": 0, |
| "FLAG_CONT_MOBILE": 1, |
| "FLAG_PHONE": 1, |
| "FLAG_EMAIL": 1, |
| "OCCUPATION_TYPE": "Managers", |
| "CNT_FAM_MEMBERS": 3, |
| "REGION_RATING_CLIENT": 2, |
| "REGION_RATING_CLIENT_W_CITY": 2, |
| "WEEKDAY_APPR_PROCESS_START": "WEDNESDAY", |
| "HOUR_APPR_PROCESS_START": 11, |
| "REG_REGION_NOT_LIVE_REGION": 0, |
| "REG_REGION_NOT_WORK_REGION": 0, |
| "LIVE_REGION_NOT_WORK_REGION": 0, |
| "REG_CITY_NOT_LIVE_CITY": 0, |
| "REG_CITY_NOT_WORK_CITY": 0, |
| "LIVE_CITY_NOT_WORK_CITY": 0, |
| "ORGANIZATION_TYPE": "Bank", |
| "EXT_SOURCE_1": 0.80, |
| "EXT_SOURCE_2": 0.85, |
| "EXT_SOURCE_3": 0.78, |
| "APARTMENTS_AVG": 0.1242, |
| "BASEMENTAREA_AVG": 0.0876, |
| "YEARS_BEGINEXPLUATATION_AVG": 0.9821, |
| "YEARS_BUILD_AVG": 0.7553, |
| "COMMONAREA_AVG": 0.0432, |
| "ELEVATORS_AVG": 0.08, |
| "ENTRANCES_AVG": 0.1379, |
| "FLOORSMAX_AVG": 0.1667, |
| "FLOORSMIN_AVG": 0.2083, |
| "LANDAREA_AVG": 0.0481, |
| "LIVINGAPARTMENTS_AVG": 0.0973, |
| "LIVINGAREA_AVG": 0.1099, |
| "NONLIVINGAPARTMENTS_AVG": 0.0039, |
| "NONLIVINGAREA_AVG": 0.0144, |
| "APARTMENTS_MODE": 0.1257, |
| "BASEMENTAREA_MODE": 0.0901, |
| "YEARS_BEGINEXPLUATATION_MODE": 0.9826, |
| "YEARS_BUILD_MODE": 0.7649, |
| "COMMONAREA_MODE": 0.0413, |
| "ELEVATORS_MODE": 0.0775, |
| "ENTRANCES_MODE": 0.1379, |
| "FLOORSMAX_MODE": 0.1667, |
| "FLOORSMIN_MODE": 0.2083, |
| "LANDAREA_MODE": 0.0492, |
| "LIVINGAPARTMENTS_MODE": 0.0991, |
| "LIVINGAREA_MODE": 0.1129, |
| "NONLIVINGAPARTMENTS_MODE": 0.0036, |
| "NONLIVINGAREA_MODE": 0.0151, |
| "APARTMENTS_MEDI": 0.1252, |
| "BASEMENTAREA_MEDI": 0.0884, |
| "YEARS_BEGINEXPLUATATION_MEDI": 0.9822, |
| "YEARS_BUILD_MEDI": 0.7585, |
| "COMMONAREA_MEDI": 0.0432, |
| "ELEVATORS_MEDI": 0.08, |
| "ENTRANCES_MEDI": 0.1379, |
| "FLOORSMAX_MEDI": 0.1667, |
| "FLOORSMIN_MEDI": 0.2083, |
| "LANDAREA_MEDI": 0.0482, |
| "LIVINGAPARTMENTS_MEDI": 0.0978, |
| "LIVINGAREA_MEDI": 0.1109, |
| "NONLIVINGAPARTMENTS_MEDI": 0.0039, |
| "NONLIVINGAREA_MEDI": 0.0148, |
| "FONDKAPREMONT_MODE": "reg oper account", |
| "HOUSETYPE_MODE": "block of flats", |
| "TOTALAREA_MODE": 0.1023, |
| "WALLSMATERIAL_MODE": "Panel", |
| "EMERGENCYSTATE_MODE": "No", |
| "OBS_30_CNT_SOCIAL_CIRCLE": 1, |
| "DEF_30_CNT_SOCIAL_CIRCLE": 0, |
| "OBS_60_CNT_SOCIAL_CIRCLE": 1, |
| "DEF_60_CNT_SOCIAL_CIRCLE": 0, |
| "DAYS_LAST_PHONE_CHANGE": -1850, |
| "FLAG_DOCUMENT_2": 0, |
| "FLAG_DOCUMENT_3": 1, |
| "FLAG_DOCUMENT_4": 0, |
| "FLAG_DOCUMENT_5": 0, |
| "FLAG_DOCUMENT_6": 0, |
| "FLAG_DOCUMENT_7": 0, |
| "FLAG_DOCUMENT_8": 0, |
| "FLAG_DOCUMENT_9": 0, |
| "FLAG_DOCUMENT_10": 0, |
| "FLAG_DOCUMENT_11": 0, |
| "FLAG_DOCUMENT_12": 0, |
| "FLAG_DOCUMENT_13": 0, |
| "FLAG_DOCUMENT_14": 0, |
| "FLAG_DOCUMENT_15": 0, |
| "FLAG_DOCUMENT_16": 0, |
| "FLAG_DOCUMENT_17": 0, |
| "FLAG_DOCUMENT_18": 0, |
| "FLAG_DOCUMENT_19": 0, |
| "FLAG_DOCUMENT_20": 0, |
| "FLAG_DOCUMENT_21": 0, |
| "AMT_REQ_CREDIT_BUREAU_HOUR": 0, |
| "AMT_REQ_CREDIT_BUREAU_DAY": 0, |
| "AMT_REQ_CREDIT_BUREAU_WEEK": 0, |
| "AMT_REQ_CREDIT_BUREAU_MON": 0, |
| "AMT_REQ_CREDIT_BUREAU_QRT": 0, |
| "AMT_REQ_CREDIT_BUREAU_YEAR": 2 |
| } |
| ``` |
| |
| --- |
| |
| ## 2) Profil risque moyen — employé, locataire, scores externes médians |
| |
| Homme 32 ans, célibataire, Secondary education, Laborer dans l'industrie, revenu moyen, |
| ancienneté 4 ans, locataire, EXT_SOURCE autour de 0.4-0.5, ratio crédit/revenu plus tendu. |
|
|
| ```json |
| { |
| "SK_ID_CURR": 207397, |
| "NAME_CONTRACT_TYPE": "Cash loans", |
| "CODE_GENDER": "M", |
| "FLAG_OWN_CAR": "N", |
| "FLAG_OWN_REALTY": "N", |
| "CNT_CHILDREN": 0, |
| "AMT_INCOME_TOTAL": 135000, |
| "AMT_CREDIT": 450000, |
| "AMT_ANNUITY": 24700, |
| "AMT_GOODS_PRICE": 405000, |
| "NAME_TYPE_SUITE": "Unaccompanied", |
| "NAME_INCOME_TYPE": "Working", |
| "NAME_EDUCATION_TYPE": "Secondary / secondary special", |
| "NAME_FAMILY_STATUS": "Single / not married", |
| "NAME_HOUSING_TYPE": "Rented apartment", |
| "REGION_POPULATION_RELATIVE": 0.018634, |
| "DAYS_BIRTH": -11680, |
| "DAYS_EMPLOYED": -1460, |
| "DAYS_REGISTRATION": -3100.0, |
| "DAYS_ID_PUBLISH": -1500, |
| "OWN_CAR_AGE": null, |
| "FLAG_MOBIL": 1, |
| "FLAG_EMP_PHONE": 1, |
| "FLAG_WORK_PHONE": 1, |
| "FLAG_CONT_MOBILE": 1, |
| "FLAG_PHONE": 0, |
| "FLAG_EMAIL": 0, |
| "OCCUPATION_TYPE": "Laborers", |
| "CNT_FAM_MEMBERS": 1, |
| "REGION_RATING_CLIENT": 2, |
| "REGION_RATING_CLIENT_W_CITY": 2, |
| "WEEKDAY_APPR_PROCESS_START": "FRIDAY", |
| "HOUR_APPR_PROCESS_START": 16, |
| "REG_REGION_NOT_LIVE_REGION": 0, |
| "REG_REGION_NOT_WORK_REGION": 0, |
| "LIVE_REGION_NOT_WORK_REGION": 0, |
| "REG_CITY_NOT_LIVE_CITY": 0, |
| "REG_CITY_NOT_WORK_CITY": 1, |
| "LIVE_CITY_NOT_WORK_CITY": 1, |
| "ORGANIZATION_TYPE": "Industry: type 3", |
| "EXT_SOURCE_1": 0.42, |
| "EXT_SOURCE_2": 0.48, |
| "EXT_SOURCE_3": 0.39, |
| "APARTMENTS_AVG": null, |
| "BASEMENTAREA_AVG": null, |
| "YEARS_BEGINEXPLUATATION_AVG": null, |
| "YEARS_BUILD_AVG": null, |
| "COMMONAREA_AVG": null, |
| "ELEVATORS_AVG": null, |
| "ENTRANCES_AVG": null, |
| "FLOORSMAX_AVG": null, |
| "FLOORSMIN_AVG": null, |
| "LANDAREA_AVG": null, |
| "LIVINGAPARTMENTS_AVG": null, |
| "LIVINGAREA_AVG": null, |
| "NONLIVINGAPARTMENTS_AVG": null, |
| "NONLIVINGAREA_AVG": null, |
| "APARTMENTS_MODE": null, |
| "BASEMENTAREA_MODE": null, |
| "YEARS_BEGINEXPLUATATION_MODE": null, |
| "YEARS_BUILD_MODE": null, |
| "COMMONAREA_MODE": null, |
| "ELEVATORS_MODE": null, |
| "ENTRANCES_MODE": null, |
| "FLOORSMAX_MODE": null, |
| "FLOORSMIN_MODE": null, |
| "LANDAREA_MODE": null, |
| "LIVINGAPARTMENTS_MODE": null, |
| "LIVINGAREA_MODE": null, |
| "NONLIVINGAPARTMENTS_MODE": null, |
| "NONLIVINGAREA_MODE": null, |
| "APARTMENTS_MEDI": null, |
| "BASEMENTAREA_MEDI": null, |
| "YEARS_BEGINEXPLUATATION_MEDI": null, |
| "YEARS_BUILD_MEDI": null, |
| "COMMONAREA_MEDI": null, |
| "ELEVATORS_MEDI": null, |
| "ENTRANCES_MEDI": null, |
| "FLOORSMAX_MEDI": null, |
| "FLOORSMIN_MEDI": null, |
| "LANDAREA_MEDI": null, |
| "LIVINGAPARTMENTS_MEDI": null, |
| "LIVINGAREA_MEDI": null, |
| "NONLIVINGAPARTMENTS_MEDI": null, |
| "NONLIVINGAREA_MEDI": null, |
| "FONDKAPREMONT_MODE": null, |
| "HOUSETYPE_MODE": null, |
| "TOTALAREA_MODE": null, |
| "WALLSMATERIAL_MODE": null, |
| "EMERGENCYSTATE_MODE": null, |
| "OBS_30_CNT_SOCIAL_CIRCLE": 4, |
| "DEF_30_CNT_SOCIAL_CIRCLE": 1, |
| "OBS_60_CNT_SOCIAL_CIRCLE": 4, |
| "DEF_60_CNT_SOCIAL_CIRCLE": 1, |
| "DAYS_LAST_PHONE_CHANGE": -620, |
| "FLAG_DOCUMENT_2": 0, |
| "FLAG_DOCUMENT_3": 1, |
| "FLAG_DOCUMENT_4": 0, |
| "FLAG_DOCUMENT_5": 0, |
| "FLAG_DOCUMENT_6": 0, |
| "FLAG_DOCUMENT_7": 0, |
| "FLAG_DOCUMENT_8": 0, |
| "FLAG_DOCUMENT_9": 0, |
| "FLAG_DOCUMENT_10": 0, |
| "FLAG_DOCUMENT_11": 0, |
| "FLAG_DOCUMENT_12": 0, |
| "FLAG_DOCUMENT_13": 0, |
| "FLAG_DOCUMENT_14": 0, |
| "FLAG_DOCUMENT_15": 0, |
| "FLAG_DOCUMENT_16": 0, |
| "FLAG_DOCUMENT_17": 0, |
| "FLAG_DOCUMENT_18": 0, |
| "FLAG_DOCUMENT_19": 0, |
| "FLAG_DOCUMENT_20": 0, |
| "FLAG_DOCUMENT_21": 0, |
| "AMT_REQ_CREDIT_BUREAU_HOUR": 0, |
| "AMT_REQ_CREDIT_BUREAU_DAY": 0, |
| "AMT_REQ_CREDIT_BUREAU_WEEK": 1, |
| "AMT_REQ_CREDIT_BUREAU_MON": 1, |
| "AMT_REQ_CREDIT_BUREAU_QRT": 2, |
| "AMT_REQ_CREDIT_BUREAU_YEAR": 6 |
| } |
| ``` |
|
|
| --- |
|
|
| ## 3) Profil haut risque — jeune, faibles revenus, scores externes bas, sollicitations bureau élevées |
|
|
| Homme 25 ans, union libre, Secondary education, Low-skill Laborer, vit chez ses parents, |
| faible ancienneté (8 mois), revenu bas, ratio crédit/revenu très tendu, EXT_SOURCE faibles, |
| plusieurs requêtes au crédit bureau récentes, défauts sociaux observés. |
| |
| ```json |
| { |
| "SK_ID_CURR": 244757, |
| "NAME_CONTRACT_TYPE": "Cash loans", |
| "CODE_GENDER": "M", |
| "FLAG_OWN_CAR": "N", |
| "FLAG_OWN_REALTY": "N", |
| "CNT_CHILDREN": 2, |
| "AMT_INCOME_TOTAL": 81000, |
| "AMT_CREDIT": 720000, |
| "AMT_ANNUITY": 42300, |
| "AMT_GOODS_PRICE": 675000, |
| "NAME_TYPE_SUITE": "Family", |
| "NAME_INCOME_TYPE": "Working", |
| "NAME_EDUCATION_TYPE": "Secondary / secondary special", |
| "NAME_FAMILY_STATUS": "Civil marriage", |
| "NAME_HOUSING_TYPE": "With parents", |
| "REGION_POPULATION_RELATIVE": 0.008575, |
| "DAYS_BIRTH": -9125, |
| "DAYS_EMPLOYED": -240, |
| "DAYS_REGISTRATION": -800.0, |
| "DAYS_ID_PUBLISH": -450, |
| "OWN_CAR_AGE": null, |
| "FLAG_MOBIL": 1, |
| "FLAG_EMP_PHONE": 1, |
| "FLAG_WORK_PHONE": 0, |
| "FLAG_CONT_MOBILE": 1, |
| "FLAG_PHONE": 0, |
| "FLAG_EMAIL": 0, |
| "OCCUPATION_TYPE": "Low-skill Laborers", |
| "CNT_FAM_MEMBERS": 4, |
| "REGION_RATING_CLIENT": 3, |
| "REGION_RATING_CLIENT_W_CITY": 3, |
| "WEEKDAY_APPR_PROCESS_START": "SATURDAY", |
| "HOUR_APPR_PROCESS_START": 19, |
| "REG_REGION_NOT_LIVE_REGION": 1, |
| "REG_REGION_NOT_WORK_REGION": 1, |
| "LIVE_REGION_NOT_WORK_REGION": 0, |
| "REG_CITY_NOT_LIVE_CITY": 1, |
| "REG_CITY_NOT_WORK_CITY": 1, |
| "LIVE_CITY_NOT_WORK_CITY": 1, |
| "ORGANIZATION_TYPE": "Construction", |
| "EXT_SOURCE_1": 0.08, |
| "EXT_SOURCE_2": 0.10, |
| "EXT_SOURCE_3": 0.06, |
| "APARTMENTS_AVG": null, |
| "BASEMENTAREA_AVG": null, |
| "YEARS_BEGINEXPLUATATION_AVG": null, |
| "YEARS_BUILD_AVG": null, |
| "COMMONAREA_AVG": null, |
| "ELEVATORS_AVG": null, |
| "ENTRANCES_AVG": null, |
| "FLOORSMAX_AVG": null, |
| "FLOORSMIN_AVG": null, |
| "LANDAREA_AVG": null, |
| "LIVINGAPARTMENTS_AVG": null, |
| "LIVINGAREA_AVG": null, |
| "NONLIVINGAPARTMENTS_AVG": null, |
| "NONLIVINGAREA_AVG": null, |
| "APARTMENTS_MODE": null, |
| "BASEMENTAREA_MODE": null, |
| "YEARS_BEGINEXPLUATATION_MODE": null, |
| "YEARS_BUILD_MODE": null, |
| "COMMONAREA_MODE": null, |
| "ELEVATORS_MODE": null, |
| "ENTRANCES_MODE": null, |
| "FLOORSMAX_MODE": null, |
| "FLOORSMIN_MODE": null, |
| "LANDAREA_MODE": null, |
| "LIVINGAPARTMENTS_MODE": null, |
| "LIVINGAREA_MODE": null, |
| "NONLIVINGAPARTMENTS_MODE": null, |
| "NONLIVINGAREA_MODE": null, |
| "APARTMENTS_MEDI": null, |
| "BASEMENTAREA_MEDI": null, |
| "YEARS_BEGINEXPLUATATION_MEDI": null, |
| "YEARS_BUILD_MEDI": null, |
| "COMMONAREA_MEDI": null, |
| "ELEVATORS_MEDI": null, |
| "ENTRANCES_MEDI": null, |
| "FLOORSMAX_MEDI": null, |
| "FLOORSMIN_MEDI": null, |
| "LANDAREA_MEDI": null, |
| "LIVINGAPARTMENTS_MEDI": null, |
| "LIVINGAREA_MEDI": null, |
| "NONLIVINGAPARTMENTS_MEDI": null, |
| "NONLIVINGAREA_MEDI": null, |
| "FONDKAPREMONT_MODE": null, |
| "HOUSETYPE_MODE": null, |
| "TOTALAREA_MODE": null, |
| "WALLSMATERIAL_MODE": null, |
| "EMERGENCYSTATE_MODE": null, |
| "OBS_30_CNT_SOCIAL_CIRCLE": 7, |
| "DEF_30_CNT_SOCIAL_CIRCLE": 3, |
| "OBS_60_CNT_SOCIAL_CIRCLE": 8, |
| "DEF_60_CNT_SOCIAL_CIRCLE": 4, |
| "DAYS_LAST_PHONE_CHANGE": -45, |
| "FLAG_DOCUMENT_2": 0, |
| "FLAG_DOCUMENT_3": 1, |
| "FLAG_DOCUMENT_4": 0, |
| "FLAG_DOCUMENT_5": 0, |
| "FLAG_DOCUMENT_6": 0, |
| "FLAG_DOCUMENT_7": 0, |
| "FLAG_DOCUMENT_8": 0, |
| "FLAG_DOCUMENT_9": 0, |
| "FLAG_DOCUMENT_10": 0, |
| "FLAG_DOCUMENT_11": 0, |
| "FLAG_DOCUMENT_12": 0, |
| "FLAG_DOCUMENT_13": 0, |
| "FLAG_DOCUMENT_14": 0, |
| "FLAG_DOCUMENT_15": 0, |
| "FLAG_DOCUMENT_16": 0, |
| "FLAG_DOCUMENT_17": 0, |
| "FLAG_DOCUMENT_18": 0, |
| "FLAG_DOCUMENT_19": 0, |
| "FLAG_DOCUMENT_20": 0, |
| "FLAG_DOCUMENT_21": 0, |
| "AMT_REQ_CREDIT_BUREAU_HOUR": 0, |
| "AMT_REQ_CREDIT_BUREAU_DAY": 1, |
| "AMT_REQ_CREDIT_BUREAU_WEEK": 2, |
| "AMT_REQ_CREDIT_BUREAU_MON": 4, |
| "AMT_REQ_CREDIT_BUREAU_QRT": 6, |
| "AMT_REQ_CREDIT_BUREAU_YEAR": 14 |
| } |
| ``` |
| |
| --- |
| |
| ## 4) Client **inconnu** — bon profil |
| |
| `SK_ID_CURR=999001` n'existe pas dans `features_store.parquet` → l'API |
| remplit toutes les agrégations bureau / prev / POS / CC / install avec le |
| `no_history_template` (counts=0, autres NaN). Le score repose alors |
| uniquement sur les inputs `app_train`. Mêmes valeurs que le profil 1 |
| (cadre stable, EXT_SOURCE élevés) mais SK_ID hors du référentiel. |
|
|
| ```json |
| { |
| "SK_ID_CURR": 999001, |
| "NAME_CONTRACT_TYPE": "Cash loans", |
| "CODE_GENDER": "F", |
| "FLAG_OWN_CAR": "Y", |
| "FLAG_OWN_REALTY": "Y", |
| "CNT_CHILDREN": 1, |
| "AMT_INCOME_TOTAL": 270000, |
| "AMT_CREDIT": 600000, |
| "AMT_ANNUITY": 28500, |
| "AMT_GOODS_PRICE": 540000, |
| "NAME_TYPE_SUITE": "Unaccompanied", |
| "NAME_INCOME_TYPE": "Commercial associate", |
| "NAME_EDUCATION_TYPE": "Higher education", |
| "NAME_FAMILY_STATUS": "Married", |
| "NAME_HOUSING_TYPE": "House / apartment", |
| "REGION_POPULATION_RELATIVE": 0.035792, |
| "DAYS_BIRTH": -15400, |
| "DAYS_EMPLOYED": -3650, |
| "DAYS_REGISTRATION": -4200.0, |
| "DAYS_ID_PUBLISH": -2800, |
| "OWN_CAR_AGE": 4, |
| "FLAG_MOBIL": 1, |
| "FLAG_EMP_PHONE": 1, |
| "FLAG_WORK_PHONE": 0, |
| "FLAG_CONT_MOBILE": 1, |
| "FLAG_PHONE": 1, |
| "FLAG_EMAIL": 1, |
| "OCCUPATION_TYPE": "Managers", |
| "CNT_FAM_MEMBERS": 3, |
| "REGION_RATING_CLIENT": 2, |
| "REGION_RATING_CLIENT_W_CITY": 2, |
| "WEEKDAY_APPR_PROCESS_START": "WEDNESDAY", |
| "HOUR_APPR_PROCESS_START": 11, |
| "REG_REGION_NOT_LIVE_REGION": 0, |
| "REG_REGION_NOT_WORK_REGION": 0, |
| "LIVE_REGION_NOT_WORK_REGION": 0, |
| "REG_CITY_NOT_LIVE_CITY": 0, |
| "REG_CITY_NOT_WORK_CITY": 0, |
| "LIVE_CITY_NOT_WORK_CITY": 0, |
| "ORGANIZATION_TYPE": "Bank", |
| "EXT_SOURCE_1": 0.80, |
| "EXT_SOURCE_2": 0.85, |
| "EXT_SOURCE_3": 0.78, |
| "APARTMENTS_AVG": 0.1242, |
| "BASEMENTAREA_AVG": 0.0876, |
| "YEARS_BEGINEXPLUATATION_AVG": 0.9821, |
| "YEARS_BUILD_AVG": 0.7553, |
| "COMMONAREA_AVG": 0.0432, |
| "ELEVATORS_AVG": 0.08, |
| "ENTRANCES_AVG": 0.1379, |
| "FLOORSMAX_AVG": 0.1667, |
| "FLOORSMIN_AVG": 0.2083, |
| "LANDAREA_AVG": 0.0481, |
| "LIVINGAPARTMENTS_AVG": 0.0973, |
| "LIVINGAREA_AVG": 0.1099, |
| "NONLIVINGAPARTMENTS_AVG": 0.0039, |
| "NONLIVINGAREA_AVG": 0.0144, |
| "APARTMENTS_MODE": 0.1257, |
| "BASEMENTAREA_MODE": 0.0901, |
| "YEARS_BEGINEXPLUATATION_MODE": 0.9826, |
| "YEARS_BUILD_MODE": 0.7649, |
| "COMMONAREA_MODE": 0.0413, |
| "ELEVATORS_MODE": 0.0775, |
| "ENTRANCES_MODE": 0.1379, |
| "FLOORSMAX_MODE": 0.1667, |
| "FLOORSMIN_MODE": 0.2083, |
| "LANDAREA_MODE": 0.0492, |
| "LIVINGAPARTMENTS_MODE": 0.0991, |
| "LIVINGAREA_MODE": 0.1129, |
| "NONLIVINGAPARTMENTS_MODE": 0.0036, |
| "NONLIVINGAREA_MODE": 0.0151, |
| "APARTMENTS_MEDI": 0.1252, |
| "BASEMENTAREA_MEDI": 0.0884, |
| "YEARS_BEGINEXPLUATATION_MEDI": 0.9822, |
| "YEARS_BUILD_MEDI": 0.7585, |
| "COMMONAREA_MEDI": 0.0432, |
| "ELEVATORS_MEDI": 0.08, |
| "ENTRANCES_MEDI": 0.1379, |
| "FLOORSMAX_MEDI": 0.1667, |
| "FLOORSMIN_MEDI": 0.2083, |
| "LANDAREA_MEDI": 0.0482, |
| "LIVINGAPARTMENTS_MEDI": 0.0978, |
| "LIVINGAREA_MEDI": 0.1109, |
| "NONLIVINGAPARTMENTS_MEDI": 0.0039, |
| "NONLIVINGAREA_MEDI": 0.0148, |
| "FONDKAPREMONT_MODE": "reg oper account", |
| "HOUSETYPE_MODE": "block of flats", |
| "TOTALAREA_MODE": 0.1023, |
| "WALLSMATERIAL_MODE": "Panel", |
| "EMERGENCYSTATE_MODE": "No", |
| "OBS_30_CNT_SOCIAL_CIRCLE": 1, |
| "DEF_30_CNT_SOCIAL_CIRCLE": 0, |
| "OBS_60_CNT_SOCIAL_CIRCLE": 1, |
| "DEF_60_CNT_SOCIAL_CIRCLE": 0, |
| "DAYS_LAST_PHONE_CHANGE": -1850, |
| "FLAG_DOCUMENT_2": 0, |
| "FLAG_DOCUMENT_3": 1, |
| "FLAG_DOCUMENT_4": 0, |
| "FLAG_DOCUMENT_5": 0, |
| "FLAG_DOCUMENT_6": 0, |
| "FLAG_DOCUMENT_7": 0, |
| "FLAG_DOCUMENT_8": 0, |
| "FLAG_DOCUMENT_9": 0, |
| "FLAG_DOCUMENT_10": 0, |
| "FLAG_DOCUMENT_11": 0, |
| "FLAG_DOCUMENT_12": 0, |
| "FLAG_DOCUMENT_13": 0, |
| "FLAG_DOCUMENT_14": 0, |
| "FLAG_DOCUMENT_15": 0, |
| "FLAG_DOCUMENT_16": 0, |
| "FLAG_DOCUMENT_17": 0, |
| "FLAG_DOCUMENT_18": 0, |
| "FLAG_DOCUMENT_19": 0, |
| "FLAG_DOCUMENT_20": 0, |
| "FLAG_DOCUMENT_21": 0, |
| "AMT_REQ_CREDIT_BUREAU_HOUR": 0, |
| "AMT_REQ_CREDIT_BUREAU_DAY": 0, |
| "AMT_REQ_CREDIT_BUREAU_WEEK": 0, |
| "AMT_REQ_CREDIT_BUREAU_MON": 0, |
| "AMT_REQ_CREDIT_BUREAU_QRT": 0, |
| "AMT_REQ_CREDIT_BUREAU_YEAR": 2 |
| } |
| ``` |
|
|
| --- |
|
|
| ## 5) Client **inconnu** — mauvais profil |
|
|
| `SK_ID_CURR=999002` absent du référentiel → `no_history_template` appliqué. |
| Mêmes signaux app_train que le profil 3 (jeune, faibles revenus, EXT_SOURCE |
| très bas, sollicitations bureau nombreuses, défauts sociaux). |
|
|
| ```json |
| { |
| "SK_ID_CURR": 999002, |
| "NAME_CONTRACT_TYPE": "Cash loans", |
| "CODE_GENDER": "M", |
| "FLAG_OWN_CAR": "N", |
| "FLAG_OWN_REALTY": "N", |
| "CNT_CHILDREN": 2, |
| "AMT_INCOME_TOTAL": 81000, |
| "AMT_CREDIT": 720000, |
| "AMT_ANNUITY": 42300, |
| "AMT_GOODS_PRICE": 675000, |
| "NAME_TYPE_SUITE": "Family", |
| "NAME_INCOME_TYPE": "Working", |
| "NAME_EDUCATION_TYPE": "Secondary / secondary special", |
| "NAME_FAMILY_STATUS": "Civil marriage", |
| "NAME_HOUSING_TYPE": "With parents", |
| "REGION_POPULATION_RELATIVE": 0.008575, |
| "DAYS_BIRTH": -9125, |
| "DAYS_EMPLOYED": -240, |
| "DAYS_REGISTRATION": -800.0, |
| "DAYS_ID_PUBLISH": -450, |
| "OWN_CAR_AGE": null, |
| "FLAG_MOBIL": 1, |
| "FLAG_EMP_PHONE": 1, |
| "FLAG_WORK_PHONE": 0, |
| "FLAG_CONT_MOBILE": 1, |
| "FLAG_PHONE": 0, |
| "FLAG_EMAIL": 0, |
| "OCCUPATION_TYPE": "Low-skill Laborers", |
| "CNT_FAM_MEMBERS": 4, |
| "REGION_RATING_CLIENT": 3, |
| "REGION_RATING_CLIENT_W_CITY": 3, |
| "WEEKDAY_APPR_PROCESS_START": "SATURDAY", |
| "HOUR_APPR_PROCESS_START": 19, |
| "REG_REGION_NOT_LIVE_REGION": 1, |
| "REG_REGION_NOT_WORK_REGION": 1, |
| "LIVE_REGION_NOT_WORK_REGION": 0, |
| "REG_CITY_NOT_LIVE_CITY": 1, |
| "REG_CITY_NOT_WORK_CITY": 1, |
| "LIVE_CITY_NOT_WORK_CITY": 1, |
| "ORGANIZATION_TYPE": "Construction", |
| "EXT_SOURCE_1": 0.08, |
| "EXT_SOURCE_2": 0.10, |
| "EXT_SOURCE_3": 0.06, |
| "APARTMENTS_AVG": null, |
| "BASEMENTAREA_AVG": null, |
| "YEARS_BEGINEXPLUATATION_AVG": null, |
| "YEARS_BUILD_AVG": null, |
| "COMMONAREA_AVG": null, |
| "ELEVATORS_AVG": null, |
| "ENTRANCES_AVG": null, |
| "FLOORSMAX_AVG": null, |
| "FLOORSMIN_AVG": null, |
| "LANDAREA_AVG": null, |
| "LIVINGAPARTMENTS_AVG": null, |
| "LIVINGAREA_AVG": null, |
| "NONLIVINGAPARTMENTS_AVG": null, |
| "NONLIVINGAREA_AVG": null, |
| "APARTMENTS_MODE": null, |
| "BASEMENTAREA_MODE": null, |
| "YEARS_BEGINEXPLUATATION_MODE": null, |
| "YEARS_BUILD_MODE": null, |
| "COMMONAREA_MODE": null, |
| "ELEVATORS_MODE": null, |
| "ENTRANCES_MODE": null, |
| "FLOORSMAX_MODE": null, |
| "FLOORSMIN_MODE": null, |
| "LANDAREA_MODE": null, |
| "LIVINGAPARTMENTS_MODE": null, |
| "LIVINGAREA_MODE": null, |
| "NONLIVINGAPARTMENTS_MODE": null, |
| "NONLIVINGAREA_MODE": null, |
| "APARTMENTS_MEDI": null, |
| "BASEMENTAREA_MEDI": null, |
| "YEARS_BEGINEXPLUATATION_MEDI": null, |
| "YEARS_BUILD_MEDI": null, |
| "COMMONAREA_MEDI": null, |
| "ELEVATORS_MEDI": null, |
| "ENTRANCES_MEDI": null, |
| "FLOORSMAX_MEDI": null, |
| "FLOORSMIN_MEDI": null, |
| "LANDAREA_MEDI": null, |
| "LIVINGAPARTMENTS_MEDI": null, |
| "LIVINGAREA_MEDI": null, |
| "NONLIVINGAPARTMENTS_MEDI": null, |
| "NONLIVINGAREA_MEDI": null, |
| "FONDKAPREMONT_MODE": null, |
| "HOUSETYPE_MODE": null, |
| "TOTALAREA_MODE": null, |
| "WALLSMATERIAL_MODE": null, |
| "EMERGENCYSTATE_MODE": null, |
| "OBS_30_CNT_SOCIAL_CIRCLE": 7, |
| "DEF_30_CNT_SOCIAL_CIRCLE": 3, |
| "OBS_60_CNT_SOCIAL_CIRCLE": 8, |
| "DEF_60_CNT_SOCIAL_CIRCLE": 4, |
| "DAYS_LAST_PHONE_CHANGE": -45, |
| "FLAG_DOCUMENT_2": 0, |
| "FLAG_DOCUMENT_3": 1, |
| "FLAG_DOCUMENT_4": 0, |
| "FLAG_DOCUMENT_5": 0, |
| "FLAG_DOCUMENT_6": 0, |
| "FLAG_DOCUMENT_7": 0, |
| "FLAG_DOCUMENT_8": 0, |
| "FLAG_DOCUMENT_9": 0, |
| "FLAG_DOCUMENT_10": 0, |
| "FLAG_DOCUMENT_11": 0, |
| "FLAG_DOCUMENT_12": 0, |
| "FLAG_DOCUMENT_13": 0, |
| "FLAG_DOCUMENT_14": 0, |
| "FLAG_DOCUMENT_15": 0, |
| "FLAG_DOCUMENT_16": 0, |
| "FLAG_DOCUMENT_17": 0, |
| "FLAG_DOCUMENT_18": 0, |
| "FLAG_DOCUMENT_19": 0, |
| "FLAG_DOCUMENT_20": 0, |
| "FLAG_DOCUMENT_21": 0, |
| "AMT_REQ_CREDIT_BUREAU_HOUR": 0, |
| "AMT_REQ_CREDIT_BUREAU_DAY": 1, |
| "AMT_REQ_CREDIT_BUREAU_WEEK": 2, |
| "AMT_REQ_CREDIT_BUREAU_MON": 4, |
| "AMT_REQ_CREDIT_BUREAU_QRT": 6, |
| "AMT_REQ_CREDIT_BUREAU_YEAR": 14 |
| } |
| ``` |
|
|
