Credit default risk prediction explained using SHapley Additive exPlanations (SHAP).
| feature_names | feature_values | shap_values |
|---|---|---|
| finance__accounts__checking__balance__no_account | 1.0 | -0.699210 |
| credit__purpose__used_car | 1.0 | -0.228440 |
| finance__credits__other_banks | 0.0 | -0.075100 |
| residence__type__own | 1.0 | -0.015360 |
| credit__installment_rate | 3.0 | -0.014757 |
| finance__accounts__checking__balance__negative | 0.0 | -0.013380 |
| residence__type__rent | 0.0 | -0.010019 |
| credit__purpose__new_car | 0.0 | -0.005958 |
| credit__purpose__education | 0.0 | -0.004570 |
| finance__credits__other_stores | 0.0 | -0.001112 |
| employment__type__labourer | 0.0 | 0.000000 |
| employment__type__management | 0.0 | 0.000000 |
| employment__type__professional | 1.0 | 0.000000 |
| employment__type__unemployed | 0.0 | 0.000000 |
| finance__accounts__checking__balance__high | 0.0 | 0.000000 |
| finance__other_assets__car_or_other | 0.0 | 0.000000 |
| residence__type__free | 0.0 | 0.000000 |
| finance__accounts__savings__balance__high | 0.0 | 0.000000 |
| finance__accounts__savings__balance__medium | 0.0 | 0.000000 |
| finance__repayment_history__poor | 0.0 | 0.000000 |
| finance__accounts__savings__balance__very_high | 0.0 | 0.000000 |
| finance__other_assets__none | 0.0 | 0.000000 |
| finance__accounts__checking__balance__low | 0.0 | 0.000000 |
| employment__permit__foreign | 1.0 | 0.000000 |
| credit__purpose__repairs | 0.0 | 0.000000 |
| credit__purpose__re-training | 0.0 | 0.000000 |
| credit__purpose__other | 0.0 | 0.000000 |
| credit__purpose__furniture | 0.0 | 0.000000 |
| credit__purpose__electronics | 0.0 | 0.000000 |
| credit__purpose__business | 0.0 | 0.000000 |
| credit__purpose__appliances | 0.0 | 0.000000 |
| residence__duration | 4.0 | 0.000000 |
| personal__num_dependents | 1.0 | 0.000000 |
| credit__coapplicant | 1.0 | 0.000000 |
| finance__credits__this_bank | 1.0 | 0.000000 |
| employment__permit__domestic | 0.0 | 0.000000 |
| finance__other_assets__life_insurance | 1.0 | 0.003577 |
| finance__other_assets__real_estate | 0.0 | 0.006368 |
| credit__guarantor | 0.0 | 0.006421 |
| contact__has_telephone | 0.0 | 0.007438 |
| finance__accounts__savings__balance__no_account | 0.0 | 0.026679 |
| finance__repayment_history__very_poor | 0.0 | 0.027805 |
| finance__repayment_history__good | 1.0 | 0.088319 |
| finance__accounts__savings__balance__low | 1.0 | 0.100409 |
| employment__duration | 0.0 | 0.177099 |
| credit__duration | 36.0 | 0.182161 |
| credit__amount | 6000.0 | 0.343174 |