[norahx]

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Thanks for reply. Your observation is consistent with my chi-square test, which is Good group people tend to have more “debt consolidation “ Loan reason. Because both of them are relationships between “Loan reason “and “BAD“.. But when we observe the credit model, best group doesn’t seem to have more “DebtCondolidation” than worst group. That’s what I’m confused.

[norahx]

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You mean calculate the sum of each row to generate a new column?

[norahx]

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I’m wondering the same question, should we assume the bank lose all loan for Bad=1 case you have a or a given percentage of the loan amount?

[norahx]

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If the data is very skewed, for example, sometimes there are many same value credit scores for different customers, should we avoid to put same score to different category?

In this way we might have not very even group.

Thanks!