1.读取数据
python
import pandas as pd
import pandas as pd #用于数据处理和分析，可处理表格数据。
import numpy as np #用于数值计算，提供了高效的数组操作。
import matplotlib.pyplot as plt #用于绘制各种类型的图表
# 设置中文字体（解决中文显示问题）
plt.rcParams['font.sans-serif'] = ['SimHei'] # Windows系统常用黑体字体
plt.rcParams['axes.unicode_minus'] = False # 正常显示负号
data = pd.read_csv('data.csv') #读取数据
print("数据基本信息：")
data.info()
print("\n数据前5行预览：")
print(data.head())数据基本信息：
<class 'pandas.core.frame.DataFrame'>
RangeIndex: 7500 entries, 0 to 7499
Data columns (total 18 columns):
# Column Non-Null Count Dtype
--- ------ -------------- -----
0 Id 7500 non-null int64
1 Home Ownership 7500 non-null object
2 Annual Income 5943 non-null float64
3 Years in current job 7129 non-null object
4 Tax Liens 7500 non-null float64
5 Number of Open Accounts 7500 non-null float64
6 Years of Credit History 7500 non-null float64
7 Maximum Open Credit 7500 non-null float64
8 Number of Credit Problems 7500 non-null float64
9 Months since last delinquent 3419 non-null float64
10 Bankruptcies 7486 non-null float64
11 Purpose 7500 non-null object
12 Term 7500 non-null object
13 Current Loan Amount 7500 non-null float64
14 Current Credit Balance 7500 non-null float64
15 Monthly Debt 7500 non-null float64
16 Credit Score 5943 non-null float64
17 Credit Default 7500 non-null int64
dtypes: float64(12), int64(2), object(4)
memory usage: 1.0+ MB
数据前5行预览：
Id Home Ownership Annual Income Years in current job Tax Liens \
0 0 Own Home 482087.0 NaN 0.0
1 1 Own Home 1025487.0 10+ years 0.0
2 2 Home Mortgage 751412.0 8 years 0.0
3 3 Own Home 805068.0 6 years 0.0
4 4 Rent 776264.0 8 years 0.0
Number of Open Accounts Years of Credit History Maximum Open Credit \
0 11.0 26.3 685960.0
1 15.0 15.3 1181730.0
2 11.0 35.0 1182434.0
3 8.0 22.5 147400.0
4 13.0 13.6 385836.0
Number of Credit Problems Months since last delinquent Bankruptcies \
0 1.0 NaN 1.0
1 0.0 NaN 0.0
2 0.0 NaN 0.0
3 1.0 NaN 1.0
4 1.0 NaN 0.0
Purpose Term Current Loan Amount \
0 debt consolidation Short Term 99999999.0
1 debt consolidation Long Term 264968.0
2 debt consolidation Short Term 99999999.0
3 debt consolidation Short Term 121396.0
4 debt consolidation Short Term 125840.0
Current Credit Balance Monthly Debt Credit Score Credit Default
0 47386.0 7914.0 749.0 0
1 394972.0 18373.0 737.0 1
2 308389.0 13651.0 742.0 0
3 95855.0 11338.0 694.0 0
4 93309.0 7180.0 719.0 0
python
data = pd.read_csv('data.csv') #读取数据
print("数据基本信息：")
data.info()
print("\n数据前5行预览：")
print(data.head())2.数据清洗
清洗object
清洗数值型对象
处理object
python
# 先筛选字符串变量
discrete_features = data.select_dtypes(include=['object']).columns.tolist()
discrete_features['Home Ownership', 'Years in current job', 'Purpose', 'Term']
python
# 依次查看内容
for feature in discrete_features:
print(f"\n{feature}的唯一值：")
print(data[feature].value_counts())Home Ownership的唯一值：
Home Ownership
Home Mortgage 3637
Rent 3204
Own Home 647
Have Mortgage 12
Name: count, dtype: int64
Years in current job的唯一值：
Years in current job
10+ years 2332
2 years 705
3 years 620
< 1 year 563
5 years 516
1 year 504
4 years 469
6 years 426
7 years 396
8 years 339
9 years 259
Name: count, dtype: int64
Purpose的唯一值：
Purpose
debt consolidation 5944
other 665
home improvements 412
business loan 129
buy a car 96
medical bills 71
major purchase 40
take a trip 37
buy house 34
small business 26
wedding 15
moving 11
educational expenses 10
vacation 8
renewable energy 2
Name: count, dtype: int64
Term的唯一值：
Term
Short Term 5556
Long Term 1944
Name: count, dtype: int64进行字典映射
python
# Home Ownership 标签编码
home_ownership_mapping = {
'Own Home': 1,
'Rent': 2,
'Have Mortgage': 3,
'Home Mortgage': 4
}
data['Home Ownership'] = data['Home Ownership'].map(home_ownership_mapping)
# Years in current job 标签编码
years_in_job_mapping = {
'< 1 year': 1,
'1 year': 2,
'2 years': 3,
'3 years': 4,
'4 years': 5,
'5 years': 6,
'6 years': 7,
'7 years': 8,
'8 years': 9,
'9 years': 10,
'10+ years': 11
}
data['Years in current job'] = data['Years in current job'].map(years_in_job_mapping)
# Purpose 独热编码，记得需要将bool类型转换为数值
data = pd.get_dummies(data, columns=['Purpose'])
data2 = pd.read_csv("data.csv") # 重新读取数据，用来做列名对比
list_final = [] # 新建一个空列表，用于存放独热编码后新增的特征名
for i in data.columns:
if i not in data2.columns:
list_final.append(i) # 这里打印出来的就是独热编码后的特征名
for i in list_final:
data[i] = data[i].astype(int) # 这里的i就是独热编码后的特征名
# Term 0 - 1 映射
term_mapping = {
'Short Term': 0,
'Long Term': 1
}
data['Term'] = data['Term'].map(term_mapping)
data.rename(columns={'Term': 'Long Term'}, inplace=True) # 重命名列处理数值型对象
python
# 缺失值填补
# 异常值处理
continuous_features = data.select_dtypes(include=['int64', 'float64']).columns.tolist() #把筛选出来的列名转换成列表
# 连续特征用中位数补全
for feature in continuous_features:
mode_value = data[feature].mode()[0] #获取该列的众数。
data[feature].fillna(mode_value, inplace=True) #用众数填充该列的缺失值，inplace=True表示直接在原数据上修改。这个警告信息是来自Pandas库，它指出了在将来的Pandas版本中（3.0及以后），使用inplace=True参数进行就地修改的方式将会发生变化。具体到你的代码，问题出现在尝试使用fillna方法并设置inplace=True来直接在原DataFrame上修改数据。
问题原因
在Pandas中，当你通过类似data[feature]的方式访问DataFrame的列时，实际上得到的是该列的一个视图（view）或副本（copy）。直接在这个视图或副本上调用fillna方法并设置inplace=True，并不会改变原始DataFrame，因为中间对象（即data[feature]）总是表现为一个副本。
解决方案
根据警告信息中的建议，你可以采用以下两种方式之一来解决这个问题：
不使用inplace=True：
直接将fillna的结果赋值回原DataFrame的相应列。这是最简单的解决方案，也是最推荐的方式。
Python
复制
data[feature] = data[feature].fillna(mode_value)
3.可视化分析
4.机器学习模型建模
数据划分
python
# 划分训练集和测试机
from sklearn.model_selection import train_test_split
X = data.drop(['Credit Default'], axis=1) # 特征，axis=1表示按列删除
y = data['Credit Default'] # 标签
X_train, X_test, y_train, y_test = train_test_split(X, y, test_size=0.2, random_state=42) # 划分数据集，20%作为测试集，随机种子为42
# 训练集和测试集的形状
print(f"训练集形状: {X_train.shape}, 测试集形状: {X_test.shape}") # 打印训练集和测试集的形状训练集形状: (6000, 31), 测试集形状: (1500, 31)模型训练与评估
python
# #安装xgboost库
# !pip install xgboost -i https://pypi.tuna.tsinghua.edu.cn/simple/
# #安装lightgbm库
# !pip install lightgbm -i https://pypi.tuna.tsinghua.edu.cn/simple/
# #安装catboost库
# !pip install catboost -i https://pypi.tuna.tsinghua.edu.cn/simpleLooking in indexes: https://pypi.tuna.tsinghua.edu.cn/simple/
Requirement already satisfied: xgboost in c:\programdata\anaconda3\envs\ml_env\lib\site-packages (2.1.4)
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Looking in indexes: https://pypi.tuna.tsinghua.edu.cn/simple/
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Looking in indexes: https://pypi.tuna.tsinghua.edu.cn/simple
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python
from sklearn.svm import SVC #支持向量机分类器
from sklearn.neighbors import KNeighborsClassifier #K近邻分类器
from sklearn.linear_model import LogisticRegression #逻辑回归分类器
import xgboost as xgb #XGBoost分类器
import lightgbm as lgb #LightGBM分类器
from sklearn.ensemble import RandomForestClassifier #随机森林分类器
from catboost import CatBoostClassifier #CatBoost分类器
from sklearn.tree import DecisionTreeClassifier #决策树分类器
from sklearn.naive_bayes import GaussianNB #高斯朴素贝叶斯分类器
from sklearn.metrics import accuracy_score, precision_score, recall_score, f1_score # 用于评估分类器性能的指标
from sklearn.metrics import classification_report, confusion_matrix #用于生成分类报告和混淆矩阵
import warnings #用于忽略警告信息
warnings.filterwarnings("ignore") # 忽略所有警告信息
python
# KNN
knn_model = KNeighborsClassifier()
knn_model.fit(X_train, y_train)
knn_pred = knn_model.predict(X_test)
print("\nKNN 分类报告：")
print(classification_report(y_test, knn_pred))
print("KNN 混淆矩阵：")
print(confusion_matrix(y_test, knn_pred))
knn_accuracy = accuracy_score(y_test, knn_pred)
knn_precision = precision_score(y_test, knn_pred)
knn_recall = recall_score(y_test, knn_pred)
knn_f1 = f1_score(y_test, knn_pred)
print("KNN 模型评估指标：")
print(f"准确率: {knn_accuracy:.4f}")
print(f"精确率: {knn_precision:.4f}")
print(f"召回率: {knn_recall:.4f}")
print(f"F1 值: {knn_f1:.4f}")KNN 分类报告：
precision recall f1-score support
0 0.73 0.86 0.79 1059
1 0.41 0.24 0.30 441
accuracy 0.68 1500
macro avg 0.57 0.55 0.54 1500
weighted avg 0.64 0.68 0.65 1500
KNN 混淆矩阵：
[[908 151]
[336 105]]
KNN 模型评估指标：
准确率: 0.6753
精确率: 0.4102
召回率: 0.2381
F1 值: 0.3013
python
# 逻辑回归
logreg_model = LogisticRegression(random_state=42)
logreg_model.fit(X_train, y_train)
logreg_pred = logreg_model.predict(X_test)
print("\n逻辑回归 分类报告：")
print(classification_report(y_test, logreg_pred))
print("逻辑回归 混淆矩阵：")
print(confusion_matrix(y_test, logreg_pred))
logreg_accuracy = accuracy_score(y_test, logreg_pred)
logreg_precision = precision_score(y_test, logreg_pred)
logreg_recall = recall_score(y_test, logreg_pred)
logreg_f1 = f1_score(y_test, logreg_pred)
print("逻辑回归 模型评估指标：")
print(f"准确率: {logreg_accuracy:.4f}")
print(f"精确率: {logreg_precision:.4f}")
print(f"召回率: {logreg_recall:.4f}")
print(f"F1 值: {logreg_f1:.4f}")逻辑回归 分类报告：
precision recall f1-score support
0 0.75 0.99 0.85 1059
1 0.86 0.20 0.33 441
accuracy 0.76 1500
macro avg 0.80 0.59 0.59 1500
weighted avg 0.78 0.76 0.70 1500
逻辑回归 混淆矩阵：
[[1044 15]
[ 351 90]]
逻辑回归 模型评估指标：
准确率: 0.7560
精确率: 0.8571
召回率: 0.2041
F1 值: 0.3297
python
# 朴素贝叶斯
nb_model = GaussianNB()
nb_model.fit(X_train, y_train)
nb_pred = nb_model.predict(X_test)
print("\n朴素贝叶斯 分类报告：")
print(classification_report(y_test, nb_pred))
print("朴素贝叶斯 混淆矩阵：")
print(confusion_matrix(y_test, nb_pred))
nb_accuracy = accuracy_score(y_test, nb_pred)
nb_precision = precision_score(y_test, nb_pred)
nb_recall = recall_score(y_test, nb_pred)
nb_f1 = f1_score(y_test, nb_pred)
print("朴素贝叶斯 模型评估指标：")
print(f"准确率: {nb_accuracy:.4f}")
print(f"精确率: {nb_precision:.4f}")
print(f"召回率: {nb_recall:.4f}")
print(f"F1 值: {nb_f1:.4f}")
朴素贝叶斯 分类报告：
precision recall f1-score support
0 0.98 0.19 0.32 1059
1 0.34 0.99 0.50 441
accuracy 0.43 1500
macro avg 0.66 0.59 0.41 1500
weighted avg 0.79 0.43 0.38 1500
朴素贝叶斯 混淆矩阵：
[[204 855]
[ 5 436]]
朴素贝叶斯 模型评估指标：
准确率: 0.4267
精确率: 0.3377
召回率: 0.9887
F1 值: 0.5035
python
# 决策树
dt_model = DecisionTreeClassifier(random_state=42)
dt_model.fit(X_train, y_train)
dt_pred = dt_model.predict(X_test)
print("\n决策树 分类报告：")
print(classification_report(y_test, dt_pred))
print("决策树 混淆矩阵：")
print(confusion_matrix(y_test, dt_pred))
dt_accuracy = accuracy_score(y_test, dt_pred)
dt_precision = precision_score(y_test, dt_pred)
dt_recall = recall_score(y_test, dt_pred)
dt_f1 = f1_score(y_test, dt_pred)
print("决策树 模型评估指标：")
print(f"准确率: {dt_accuracy:.4f}")
print(f"精确率: {dt_precision:.4f}")
print(f"召回率: {dt_recall:.4f}")
print(f"F1 值: {dt_f1:.4f}")决策树 分类报告：
precision recall f1-score support
0 0.79 0.75 0.77 1059
1 0.46 0.51 0.48 441
accuracy 0.68 1500
macro avg 0.62 0.63 0.62 1500
weighted avg 0.69 0.68 0.68 1500
决策树 混淆矩阵：
[[791 268]
[216 225]]
决策树 模型评估指标：
准确率: 0.6773
精确率: 0.4564
召回率: 0.5102
F1 值: 0.4818
python
# 随机森林
rf_model = RandomForestClassifier(random_state=42)
rf_model.fit(X_train, y_train)
rf_pred = rf_model.predict(X_test)
print("\n随机森林 分类报告：")
print(classification_report(y_test, rf_pred))
print("随机森林 混淆矩阵：")
print(confusion_matrix(y_test, rf_pred))
rf_accuracy = accuracy_score(y_test, rf_pred)
rf_precision = precision_score(y_test, rf_pred)
rf_recall = recall_score(y_test, rf_pred)
rf_f1 = f1_score(y_test, rf_pred)
print("随机森林 模型评估指标：")
print(f"准确率: {rf_accuracy:.4f}")
print(f"精确率: {rf_precision:.4f}")
print(f"召回率: {rf_recall:.4f}")
print(f"F1 值: {rf_f1:.4f}")随机森林 分类报告：
precision recall f1-score support
0 0.77 0.97 0.86 1059
1 0.79 0.30 0.43 441
accuracy 0.77 1500
macro avg 0.78 0.63 0.64 1500
weighted avg 0.77 0.77 0.73 1500
随机森林 混淆矩阵：
[[1023 36]
[ 309 132]]
随机森林 模型评估指标：
准确率: 0.7700
精确率: 0.7857
召回率: 0.2993
F1 值: 0.4335
python
# XGBoost
xgb_model = xgb.XGBClassifier(random_state=42)
xgb_model.fit(X_train, y_train)
xgb_pred = xgb_model.predict(X_test)
print("\nXGBoost 分类报告：")
print(classification_report(y_test, xgb_pred))
print("XGBoost 混淆矩阵：")
print(confusion_matrix(y_test, xgb_pred))
xgb_accuracy = accuracy_score(y_test, xgb_pred)
xgb_precision = precision_score(y_test, xgb_pred)
xgb_recall = recall_score(y_test, xgb_pred)
xgb_f1 = f1_score(y_test, xgb_pred)
print("XGBoost 模型评估指标：")
print(f"准确率: {xgb_accuracy:.4f}")
print(f"精确率: {xgb_precision:.4f}")
print(f"召回率: {xgb_recall:.4f}")
print(f"F1 值: {xgb_f1:.4f}")XGBoost 分类报告：
precision recall f1-score support
0 0.77 0.91 0.84 1059
1 0.62 0.37 0.46 441
accuracy 0.75 1500
macro avg 0.70 0.64 0.65 1500
weighted avg 0.73 0.75 0.72 1500
XGBoost 混淆矩阵：
[[960 99]
[280 161]]
XGBoost 模型评估指标：
准确率: 0.7473
精确率: 0.6192
召回率: 0.3651
F1 值: 0.4593
python
# LightGBM
lgb_model = lgb.LGBMClassifier(random_state=42)
lgb_model.fit(X_train, y_train)
lgb_pred = lgb_model.predict(X_test)
print("\nLightGBM 分类报告：")
print(classification_report(y_test, lgb_pred))
print("LightGBM 混淆矩阵：")
print(confusion_matrix(y_test, lgb_pred))
lgb_accuracy = accuracy_score(y_test, lgb_pred)
lgb_precision = precision_score(y_test, lgb_pred)
lgb_recall = recall_score(y_test, lgb_pred)
lgb_f1 = f1_score(y_test, lgb_pred)
print("LightGBM 模型评估指标：")
print(f"准确率: {lgb_accuracy:.4f}")
print(f"精确率: {lgb_precision:.4f}")
print(f"召回率: {lgb_recall:.4f}")
print(f"F1 值: {lgb_f1:.4f}")[LightGBM] [Warning] Found whitespace in feature_names, replace with underlines
[LightGBM] [Info] Number of positive: 1672, number of negative: 4328
[LightGBM] [Info] Auto-choosing row-wise multi-threading, the overhead of testing was 0.000467 seconds.
You can set `force_row_wise=true` to remove the overhead.
And if memory is not enough, you can set `force_col_wise=true`.
[LightGBM] [Info] Total Bins 2160
[LightGBM] [Info] Number of data points in the train set: 6000, number of used features: 26
[LightGBM] [Info] [binary:BoostFromScore]: pavg=0.278667 -> initscore=-0.951085
[LightGBM] [Info] Start training from score -0.951085
LightGBM 分类报告：
precision recall f1-score support
0 0.78 0.94 0.85 1059
1 0.70 0.36 0.47 441
accuracy 0.77 1500
macro avg 0.74 0.65 0.66 1500
weighted avg 0.75 0.77 0.74 1500
LightGBM 混淆矩阵：
[[992 67]
[284 157]]
LightGBM 模型评估指标：
准确率: 0.7660
精确率: 0.7009
召回率: 0.3560
F1 值: 0.4722
python