本文發現客戶分級、往來金額的高低與發生違約的機率有很大的關聯。;The purpose of this paper is to identify the risk factors associated with the occurrence of default in medical aesthetic staging cases, and this study will use decision trees to identify risk factors and establish models for rapid approval and rapid rejection of approval. The stronger the personal consumption, the stronger the economic development, and the credit cards provided by the banking industry and the personal consumption installments undertaken by financial institutions or manufacturers can provide the public to increase their consumption efforts. In the process of risk assessment of personal consumption in stages, the assessment decision-making time needs to be completed within a few minutes, and it is difficult to make a careful assessment. Moreover, compared with the effective information provided by corporate credit and bank credit card credit, and the capital provider and the installment consumer have not interacted, the incidence of default after credit is high. Compared with the research on corporate credit and bank credit card defaults, there are certain evaluation methods and results, and there is still room for further improvement in the development of consumption staging risk assessment. This paper uses more than 40,000 application materials cooperated by individual companies and individual consumer customers to obtain platforms, and uses information such as status, installment repayment status, overdue, and default to try to find consumer finance risk factors. The actual incidence of the current situation is about 9.5%, which can further decrease after the model is found. This article found that the level of customer rating and the amount of transactions are greatly related to the probability of default.
