# BADS-DAB-Regression — Data

来源：https://www.kaggle.com/competitions/bads-dab-regression/data

采集时间：2026-10-20T05:16:12Z

This dataset comprises loans issued via the **Lending Club platform**, an individual-to-individual lending platform. However, it's crucial to acknowledge that not all loans carry the same level of risk. Individuals with a strong likelihood of repaying their loans are more likely to secure a loan with a lower interest rate, unlike those perceived as higher risk. Consequently, individuals categorized as highly risky may either not receive a loan offer at all or decline the offer due to the associated high interest rate. It is essential to remember that this dataset solely represents loans that have been actually disbursed, thus it should not be mistaken for loan applications

The problem at hand is to predict the loan interest rate. 

## Files

*   **train.csv** - the training set
*   **test.csv** - the test set
*   **sample_submission.csv** - a sample submission file in the correct format

## Columns
- `loan_number` Unique identifier
- `emp_length `	 Number of years in the job, rounded down. If longer than 10 years, then this is represented by the value 10.		
- `home_ownership `	 The ownership status of the applicant's residence.		
- `annual_income` 	 Annual income.		
- `verified_income` 	 Type of verification of the applicant's income.		
- `debt_to_income` 	 Debt	to	income ratio.
- `delinq_2y` 	 Delinquencies on lines of credit in the last 2 years.		
- `total_credit_limit` 	 Total available credit, e.g. if only credit cards, then the total of all the credit limits. This excludes a mortgage.		
- `total_credit_utilized` 	 Total credit balance, excluding a mortgage.		
- `public_record_bankrupt` 	 Number of bankruptcies listed in the public record for this applicant.		
- `loan_purpose` 	 The category for the purpose of the loan.		
- `application_type` 	 The type of application: either individual or joint.		
- `loan_amount` 	 The amount of the loan the applicant received.		
- `term` 	 The number of months of the loan the applicant received.		
- `issue_month` 	 Month the loan was issued.		
- `interest_rate `	 **Target**  Interest rate of the loan the applicant received.