信用卡违约预测包（Credit Card Default）
真实开源数据集封装（SKU-34）：UCI Default of Credit Card Clients。还款/账单特征 + default_next_month；CC BY 4.0，免费开源。
提供商： 平台自营
交付形态：文件包
适用场景
1 / 5场景说明
本数据包「信用卡违约预测包（Credit Card Default）」适用于以下场景：
1
信用卡/信贷违约二分类（目标列：default_next_month）
2
金融风控特征工程：还款状态、账单与额度类变量
3
不平衡违约样本下的 AUC/KS 评估练习
4
风控评分卡与树模型基线对比的公开数据集
不适用于：实时授信审批、监管报送，或替代真实客户隐私数据。
使用指南
2 / 5通过统一 API 拉取数据（全站接口相同，仅替换 slug）。
-
1
获取凭证
登录 → 购买 → 在 申请 API Key 签发密钥（仅显示一次）
-
2
发起请求
GET /api/v1/data/finance-credit-card-default/rows?page=1&size=10，Header：X-API-Key -
3
解析响应
从 JSON 的
rows取数据，用total翻页 -
4
处理错误
401密钥无效 ·403未购买/无权 ·400参数错误 ·429过频 ·502上游失败
数据集说明
3 / 5SKU-34 信用卡违约预测包（Credit Card Default）
- 源：Default of Credit Card Clients (UCI)
- 行业：金融
- 标签列：
default_next_month - 场景：credit_default
- 许可：CC BY 4.0（可商用分发，须署名）
字段 Schema
4 / 5{
"fields": [
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "ID",
"nullable": false,
"nunique": 30000
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "LIMIT_BAL",
"nullable": false,
"nunique": 81
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "SEX",
"nullable": false,
"nunique": 2
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "EDUCATION",
"nullable": false,
"nunique": 7
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "MARRIAGE",
"nullable": false,
"nunique": 4
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "AGE",
"nullable": false,
"nunique": 56
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_0",
"nullable": false,
"nunique": 11
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_2",
"nullable": false,
"nunique": 11
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_3",
"nullable": false,
"nunique": 11
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_4",
"nullable": false,
"nunique": 11
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_5",
"nullable": false,
"nunique": 10
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_6",
"nullable": false,
"nunique": 10
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "BILL_AMT1",
"nullable": false,
"nunique": 22723
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "BILL_AMT2",
"nullable": false,
"nunique": 22346
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "BILL_AMT3",
"nullable": false,
"nunique": 22026
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "BILL_AMT4",
"nullable": false,
"nunique": 21548
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "BILL_AMT5",
"nullable": false,
"nunique": 21010
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "BILL_AMT6",
"nullable": false,
"nunique": 20604
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_AMT1",
"nullable": false,
"nunique": 7943
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_AMT2",
"nullable": false,
"nunique": 7899
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_AMT3",
"nullable": false,
"nunique": 7518
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_AMT4",
"nullable": false,
"nunique": 6937
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_AMT5",
"nullable": false,
"nunique": 6897
},
{
"dtype": "int64",
"is_label": false,
"kind": "numeric",
"name": "PAY_AMT6",
"nullable": false,
"nunique": 6939
},
{
"dtype": "int64",
"is_label": true,
"kind": "numeric",
"name": "default_next_month",
"nullable": false,
"nunique": 2
}
],
"format": "csv",
"label_column": "default_next_month",
"license_hint": "CC BY 4.0",
"source_name": "Default of Credit Card Clients (UCI)",
"source_url": "https://archive.ics.uci.edu/dataset/350/default+of+credit+card+clients"
}
调用示例
5 / 5路径中的 slug 换成已购商品标识即可。完整说明见 API 文档。
curl -H "X-API-Key: ds_你的密钥" \ "https://www.dataocean.zhixxing.cn/api/v1/data/finance-credit-card-default/rows?page=1&size=10"
import requests
r = requests.get(
"https://www.dataocean.zhixxing.cn/api/v1/data/finance-credit-card-default/rows",
headers={"X-API-Key": "ds_你的密钥"},
params={"page": 1, "size": 10},
timeout=30,
)
r.raise_for_status()
print(r.json())
const apiKey = "ds_你的密钥";
const url = new URL("https://www.dataocean.zhixxing.cn/api/v1/data/finance-credit-card-default/rows");
url.searchParams.set("page", "1");
url.searchParams.set("size", "10");
const resp = await fetch(url, {
headers: { "X-API-Key": apiKey },
});
if (!resp.ok) throw new Error(`HTTP ${resp.status}`);
const payload = await resp.json();
console.log(payload);
import java.net.URI;
import java.net.http.HttpClient;
import java.net.http.HttpRequest;
import java.net.http.HttpResponse;
var client = HttpClient.newHttpClient();
var request = HttpRequest.newBuilder()
.uri(URI.create("https://www.dataocean.zhixxing.cn/api/v1/data/finance-credit-card-default/rows?page=1&size=10"))
.header("X-API-Key", "ds_你的密钥")
.GET()
.build();
var response = client.send(request, HttpResponse.BodyHandlers.ofString());
System.out.println(response.statusCode());
System.out.println(response.body());
package main
import (
"fmt"
"io"
"net/http"
)
func main() {
req, _ := http.NewRequest("GET",
"https://www.dataocean.zhixxing.cn/api/v1/data/finance-credit-card-default/rows?page=1&size=10", nil)
req.Header.Set("X-API-Key", "ds_你的密钥")
resp, err := http.DefaultClient.Do(req)
if err != nil {
panic(err)
}
defer resp.Body.Close()
body, _ := io.ReadAll(resp.Body)
fmt.Println(resp.StatusCode, string(body))
}
using System.Net.Http;
var client = new HttpClient();
client.DefaultRequestHeaders.Add("X-API-Key", "ds_你的密钥");
var json = await client.GetStringAsync("https://www.dataocean.zhixxing.cn/api/v1/data/finance-credit-card-default/rows?page=1&size=10");
Console.WriteLine(json);
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