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datanalysis-credit-risk（数据分析信用风险）

Agent Skill

用于辅助数据整理、表格处理、CSV/Excel 分析、指标计算和图表准备。它适合让 Agent 清洗字段、汇总数据、发现异常、生成统计口径或把分析结果转成可读说明。使用时需要确认数据来源、字段含义和时间范围，避免把样本数据当全量事实；涉及敏感数据、导出文件或批量写回时，应先确认权限和脱敏边界。

总安装

169,728

周安装

6,795

GitHub Stars

31,663

下载量

54,944
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安装说明

本站只整理中文说明和来源信息，不托管安装包，也不代用户安装。

GitHub

来源数

2

许可证

unknown

最后核验

2026-05-01

来源状态

来源可访问

安装方式

通过对话安装

复制提示词发给支持本地命令或 Skills 的 AI 助手，先确认命令和权限，再让它执行。

请帮我安装这个 Agent Skill：datanalysis-credit-risk（数据分析信用风险）
来源仓库：https://github.com/github/awesome-copilot
仓库路径：skills/datanalysis-credit-risk
安装命令：
npx skills add https://github.com/github/awesome-copilot --skill datanalysis-credit-risk
安装前请先检查当前环境是否支持对应 CLI，并向我确认将要执行的命令、安装目录、联网范围和文件读写权限；确认后再执行。

命令行安装

复制命令到本机终端执行。该命令会通过 npx skills 从第三方来源获取 Skill；本站只展示命令，不托管安装包，也不自动执行。

skills.shnpx skills
npx skills add https://github.com/github/awesome-copilot --skill datanalysis-credit-risk

简介

用于贷前建模的信用风险数据清理和变量筛选管道。

  • 执行 11 个独立步骤，涵盖数据加载、异常周期过滤、缺失率分析、低 IV 和高 PSI 变量去除、零重要性去噪以及基于相关性的特征消除
  • 通过单独建模和样本外 (OOS) 样本处理以及 IV 和 PSI 计算的多进程加速来支持组织级分析
  • 生成全面的 Excel 报告，包含 15 张表格，详细说明所有管道阶段的操作结果、特征统计、分布和删除的变量
  • 可配置缺失率、IV、PSI、相关性和空重要性参数的阈值，并具有合理的默认值

SKILL.md

Data Cleaning and Variable Screening

Quick Start

# Run the complete data cleaning pipeline
python ".github/skills/datanalysis-credit-risk/scripts/example.py"

Complete Process Description

The data cleaning pipeline consists of the following 11 steps, each executed independently without deleting the original data:

  1. Get Data - Load and format raw data
  2. Organization Sample Analysis - Statistics of sample count and bad sample rate for each organization
  3. Separate OOS Data - Separate out-of-sample (OOS) samples from modeling samples
  4. Filter Abnormal Months - Remove months with insufficient bad sample count or total sample count
  5. Calculate Missing Rate - Calculate overall and organization-level missing rates for each feature
  6. Drop High Missing Rate Features - Remove features with overall missing rate exceeding threshold
  7. Drop Low IV Features - Remove features with overall IV too low or IV too low in too many organizations
  8. Drop High PSI Features - Remove features with unstable PSI
  9. Null Importance Denoising - Remove noise features using label permutation method
  10. Drop High Correlation Features - Remove high correlation features based on original gain
  11. Export Report - Generate Excel report containing details and statistics of all steps

Core Functions

FunctionPurposeModule
get_dataset()Load and format datareferences.func
org_analysis()Organization sample analysisreferences.func
missing_check()Calculate missing ratereferences.func
drop_abnormal_ym()Filter abnormal monthsreferences.analysis
drop_highmiss_features()Drop high missing rate featuresreferences.analysis
drop_lowiv_features()Drop low IV featuresreferences.analysis
drop_highpsi_features()Drop high PSI featuresreferences.analysis
drop_highnoise_features()Null Importance denoisingreferences.analysis
drop_highcorr_features()Drop high correlation featuresreferences.analysis
iv_distribution_by_org()IV distribution statisticsreferences.analysis
psi_distribution_by_org()PSI distribution statisticsreferences.analysis
value_ratio_distribution_by_org()Value ratio distribution statisticsreferences.analysis
export_cleaning_report()Export cleaning reportreferences.analysis

Parameter Description

Data Loading Parameters

  • DATA_PATH: Data file path (best are parquet format)
  • DATE_COL: Date column name
  • Y_COL: Label column name
  • ORG_COL: Organization column name
  • KEY_COLS: Primary key column name list

OOS Organization Configuration

  • OOS_ORGS: Out-of-sample organization list

Abnormal Month Filtering Parameters

  • min_ym_bad_sample: Minimum bad sample count per month (default 10)
  • min_ym_sample: Minimum total sample count per month (default 500)

Missing Rate Parameters

  • missing_ratio: Overall missing rate threshold (default 0.6)

IV Parameters

  • overall_iv_threshold: Overall IV threshold (default 0.1)
  • org_iv_threshold: Single organization IV threshold (default 0.1)
  • max_org_threshold: Maximum tolerated low IV organization count (default 2)

PSI Parameters

  • psi_threshold: PSI threshold (default 0.1)
  • max_months_ratio: Maximum unstable month ratio (default 1/3)
  • max_orgs: Maximum unstable organization count (default 6)

Null Importance Parameters

  • n_estimators: Number of trees (default 100)
  • max_depth: Maximum tree depth (default 5)
  • gain_threshold: Gain difference threshold (default 50)

High Correlation Parameters

  • max_corr: Correlation threshold (default 0.9)
  • top_n_keep: Keep top N features by original gain ranking (default 20)

Output Report

The generated Excel report contains the following sheets:

  1. 汇总 - Summary information of all steps, including operation results and conditions
  2. 机构样本统计 - Sample count and bad sample rate for each organization
  3. 分离OOS数据 - OOS sample and modeling sample counts
  4. Step4-异常月份处理 - Abnormal months that were removed
  5. 缺失率明细 - Overall and organization-level missing rates for each feature
  6. Step5-有值率分布统计 - Distribution of features in different value ratio ranges
  7. Step6-高缺失率处理 - High missing rate features that were removed
  8. Step7-IV明细 - IV values of each feature in each organization and overall
  9. Step7-IV处理 - Features that do not meet IV conditions and low IV organizations
  10. Step7-IV分布统计 - Distribution of features in different IV ranges
  11. Step8-PSI明细 - PSI values of each feature in each organization each month
  12. Step8-PSI处理 - Features that do not meet PSI conditions and unstable organizations
  13. Step8-PSI分布统计 - Distribution of features in different PSI ranges
  14. Step9-null importance处理 - Noise features that were removed
  15. Step10-高相关性剔除 - High correlation features that were removed

Features

  • Interactive Input: Parameters can be input before each step execution, with default values supported
  • Independent Execution: Each step is executed independently without deleting original data, facilitating comparative analysis
  • Complete Report: Generate complete Excel report containing details, statistics, and distributions
  • Multi-process Support: IV and PSI calculations support multi-process acceleration
  • Organization-level Analysis: Support organization-level statistics and modeling/OOS distinction

适合场景

01

用户想查找某类 Agent Skill 时

02

需要根据任务场景推荐可安装能力包时

03

需要对比不同来源的安装命令和来源信息时

能力概览

能力 1

按任务关键词查找相关 Skills

能力 2

展示可复制的安装命令

能力 3

保留来源站点、仓库和原始说明，方便继续核验

能力 4

展示第三方安全扫描或审计结果

安装后应在对应宿主中按原始 README 的触发条件使用；具体调用方式请以来源页面和 README 为准。

平台分布

Codex

35.51%
按下载量换算19,511

Claude

32.78%
按下载量换算18,011

Cursor

17.04%
按下载量换算9,362

Gemini CLI

9.94%
按下载量换算5,461

安全审计

Gen Agent Trust Hub

可疑

Socket

通过

Snyk

通过

权限和风险

只读

该 Skill 主要提供规则、说明或参考内容，本身偏只读；真正读写文件、联网或执行命令仍取决于宿主 Agent 的任务。

安装前确认

本站仅展示第三方公开信息，不托管安装包，不提供自动安装或运行环境。安装前应自行审查源码、依赖和命令行为。来源安全扫描存在 warning/failed 结果，不能写成本站确认安全。当前只有一个来源，正式发布前建议补源仓库或其他目录站核验。

来源信息

GitHub 仓库

github.com

/github/awesome-copilot

SKILL.md 来源

github.com

/github/awesome-copilot/tree/main/skills/datanalysis-credit-risk

skills-sh

skills.sh

/github/awesome-copilot/datanalysis-credit-risk

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