Sun'iy Intellekt & Mashinaviy O'rganish 80/20 · Hugging Face Space

Qarorlar Daraxti Random Forest KNN

Kredit Default & Firibgarlik Tahlili Platformasi

Bank va mikromoliya mijozlarining to'lov intizomi hamda kredit qaytarilmaslik xavfini baholash tizimi. Modellar 80/20 nisbatda o'qitilgan, giperparametrlar GridSearchCV orqali avtomatik topilgan, va natijalar to'liq 2D/3D Confusion Matrix hamda 3D fazoviy klasterlar yordamida vizualizatsiya qilingan.

Jami Mijozlar

30,000

UCI Credit Card Clients

Train / Test Nisbati

80% / 20%

24,000 train / 6,000 test

Maksimal Aniqlik

81.77%

Random Forest / Decision Tree

3D Vizualizatsiya

Plotly 3D

360° Aylantirish & Zoom

To'lovchilar Taqsimoti

77.9% Ishonchli Mijozlar (23,364) vs 22.1% Kechiktiruvchilar (6,636)

Kredit Limiti Bo'yicha Mijozlar Taqsimoti ($)

Datasetdan Namunalar (Birinchi 6 ta Mijoz)

Jami: 30,000 qator x 23 ta xususiyat

LIMIT_BAL ($)	Jinsi	Ma'lumoti	Oilaviy	Yoshi	PAY_0 (Sent)	PAY_2 (Avg)	BILL_AMT1 ($)	PAY_AMT1 ($)	DEFAULT (Holat)
$20,000	Ayol (2)	Bakalavr (2)	Uylangan (1)	24	+2 oy	+2 oy	$3,913	$0	1 (Default)
$120,000	Ayol (2)	Bakalavr (2)	Bo'ydoq (2)	26	-1 (O'z vaqtida)	+2 oy	$2,682	$0	1 (Default)
$90,000	Ayol (2)	Bakalavr (2)	Bo'ydoq (2)	34	0 (Revolving)	0 (Revolving)	$29,239	$1,518	0 (Normal)
$50,000	Ayol (2)	Bakalavr (2)	Uylangan (1)	37	0 (Revolving)	0 (Revolving)	$46,990	$2,000	0 (Normal)
$50,000	Erkak (1)	Magistr (1)	Uylangan (1)	57	-1 (O'z vaqtida)	0 (Revolving)	$8,617	$2,000	0 (Normal)

Tahlil qilinayotgan model:

20% Test to'plami: 6,000 ta haqiqiy sinov mijozi

To'g'ri Salbiy (TN)

4,440 ta

Ishonchli deb to'g'ri topilgan

To'g'ri Ijobiy (TP)

466 ta

Default deb to'g'ri topilgan

Soxta Xavf (FP)

233 ta

Type I error (soxta signal)

O'tkazib yuborilgan (FN)

861 ta

Type II error (bank riski)

2D Confusion Matrix (Chalkashlik Matritsasi)

Interaktiv 3D Confusion Matrix Aylantirib ko'ring (360°)

Barcha Modellar Bo'yicha Qiyosiy Metrikalar

Model Nomi	Aniqlik (Accuracy)	F1-Score	Precision	Recall	ROC-AUC
Random Forest	81.77%	0.4600	66.67%	35.12%	0.7714
Qarorlar Daraxti (Tree)	81.77%	0.4637	66.34%	35.64%	0.7481
K-Neighbors (KNN)	80.02%	0.4331	58.12%	34.51%	0.7095

ROC Egri Chiziqlari

🌳 Qarorlar Daraxti (Tree)

DecisionTreeClassifier · GridSearchCV

criterion: 'entropy'

max_depth: 5

min_samples_split: 2

Test Aniqligi: 81.77%

🌲 Random Forest

RandomForestClassifier · GridSearchCV

n_estimators: 50

max_depth: 10

min_samples_split: 2

Test Aniqligi: 81.77%

👥 K-Neighbors (KNN)

KNeighborsClassifier · GridSearchCV

n_neighbors: 7

weights: 'uniform'

metric: 'minkowski'

Test Aniqligi: 80.02%

3D Giperparametrlar Relyefi (Tuning Surface) Chuqurlik x Daraxtlar x F1-Score

TOP-10 Eng Ta'sirchan Xususiyatlar (Feature Importance)

🚀 Tezkor Sinov Profillari:

1. Mijozning Shaxsiy Ko'rsatkichlari

Kredit Limiti ($)

Jinsi

Ma'lumoti

Oilaviy Holati

Yoshi (Yil)

2. So'nggi Oylardagi To'lov Intizomi (Kechikishlar)

-1 yoki 0 = O'z vaqtida; 1, 2, 3... = oylab kechikishlar mavjud

Sentabr (PAY_0)

Avgust (PAY_2)

Iyul (PAY_3)

Iyun (PAY_4)

May (PAY_5)

Aprel (PAY_6)

3. So'nggi Oylar Hisob va To'lov Summalari ($)

Sentabr hisobi ($)

Sentabr to'lovi ($)

Avgust hisobi ($)

Avgust to'lovi ($)

Bashorat Natijalari (3 ta Model Qarori):

🌳 Qarorlar Daraxti (Tree)

✅ ISHONCHLI

Default ehtimoli: 14.2%

🌲 Random Forest

✅ ISHONCHLI

Default ehtimoli: 16.8%

👥 K-Neighbors (KNN)

✅ ISHONCHLI

Default ehtimoli: 14.3%

Kredit Default & Firibgarlik Tahlili Platformasi

To'lovchilar Taqsimoti

Kredit Limiti Bo'yicha Mijozlar Taqsimoti ($)

Datasetdan Namunalar (Birinchi 6 ta Mijoz)

2D Confusion Matrix (Chalkashlik Matritsasi)

Interaktiv 3D Confusion Matrix Aylantirib ko'ring (360°)

Barcha Modellar Bo'yicha Qiyosiy Metrikalar

ROC Egri Chiziqlari

🌳 Qarorlar Daraxti (Tree)

🌲 Random Forest

👥 K-Neighbors (KNN)

3D Giperparametrlar Relyefi (Tuning Surface) Chuqurlik x Daraxtlar x F1-Score

TOP-10 Eng Ta'sirchan Xususiyatlar (Feature Importance)

1. Mijozning Shaxsiy Ko'rsatkichlari

2. So'nggi Oylardagi To'lov Intizomi (Kechikishlar)

3. So'nggi Oylar Hisob va To'lov Summalari ($)

Bashorat Natijalari (3 ta Model Qarori):

🌳 Qarorlar Daraxti (Tree)

🌲 Random Forest

👥 K-Neighbors (KNN)

Xavfsiz — Kredit Berish Tavsiya Etiladi

Chiroyli 3D Fazoviy Klaster (3D PCA Feature Space)