Yihuier
一会儿轻松解决信用评分卡建模
基于 Scorecard--Function 重构的面向对象版本。
特性
- 面向对象设计 - 统一的 Yihuier 类管理数据和状态
- 完整建模流程 - EDA → 数据处理 → 分箱 → 变量选择 → 模型评估 → 评分卡实现 → 监控
- 特征工程 - 交叉特征、数学变换、缺失指示符、批量交叉（带 IV 预筛）
- 模块化架构 - 9个独立模块，职责清晰
- 类型提示 - 完整的类型注解，更好的IDE支持
- 可选 optbinning 分箱 -
pip install yihuier[optimal]后可用method='optbinning'，强制 WOE 单调、求解器更优（真实数据上 IV 均值 +10%、单调变量 50/93 vs 自研 1/93），原生方法不受影响
快速开始
安装
# 使用 pip
pip install yihuier
# 或使用 uv
uv pip install yihuier
可选依赖
| 安装命令 | 额外能力 |
|---|---|
pip install yihuier[optimal] |
启用 method='optbinning'——委托 optbinning 求最优切点（强制 WOE 单调、求解器更优），内置兼容垫片，无需降级 sklearn |
pip install yihuier[profiling] |
EDA 自动报告（ydata-profiling） |
pip install yihuier[dev] |
开发/测试工具（pytest、ruff） |
pip install yihuier[all] |
以上全部 |
不安装
[optimal]也能正常使用所有原生分箱方法（ChiMerge / 等频 / 等距 / 自定义）。
基础使用
import pandas as pd
from yihuier import Yihuier
# 加载数据
data = pd.read_csv('data.csv')
yh = Yihuier(data, target='dlq_flag')
# 数据预处理
data_clean = yh.dp_module.delete_missing_var(threshold=0.15)
# 变量分箱
bin_df, iv_value = yh.binning_module.binning_num(
col_list=['v1', 'v2', 'v3'],
max_bin=5,
method='ChiMerge'
)
# WOE转换
woe_df = yh.binning_module.woe_df_concat()
data_woe = yh.binning_module.woe_transform()
# 变量选择
xg_imp, xg_rank, xg_cols = yh.var_select_module.select_xgboost(
col_list=data_woe.drop(['dlq_flag'], axis=1).columns.tolist(),
imp_num=10
)
# 模型训练
from sklearn.linear_model import LogisticRegression
model = LogisticRegression()
model.fit(data_woe[xg_cols], data_woe['dlq_flag'])
# 模型评估
y_pred = model.predict_proba(x_test)[:, 1]
yh.me_module.plot_roc(y_test, y_pred)
yh.me_module.plot_model_ks(y_test, y_pred)
模块概览
| 模块 | 功能 | 文档 |
|---|---|---|
EDAModule |
探索性数据分析 | 📖 EDA 模块 |
DataProcessingModule |
数据预处理 | 📖 数据预处理 |
FeatureEngineeringModule |
特征工程 | 📖 特征工程模块 |
BinningModule |
变量分箱 | 📖 分箱模块 |
VarSelectModule |
变量选择 | 📖 变量选择 |
ModelEvaluationModule |
模型评估 | 📖 模型评估 |
ScorecardImplementModule |
评分卡实现 | 📖 评分卡实现 |
ScorecardMonitorModule |
评分卡监控 | 📖 评分卡监控 |
ClusterModule |
聚类分析 | 📖 聚类模块 |
PipelineModule |
流水线 | 📖 流水线模块 |
📚 完整文档
开发
# 克隆项目
git clone https://github.com/ency/yihuier.git
cd yihuier
# 安装开发依赖
uv pip install -e ".[dev]"
# 运行测试
pytest tests/ -v
# 代码格式化
ruff format yihuier/
ruff check yihuier/
许可证
MIT License
致谢
- 原项目: Scorecard--Function
- 相关文章: 知乎专栏
1 maintainer
Download files
Download the file for your platform. If you're not sure which to choose, learn more about installing packages.
Source Distribution
yihuier-0.4.0.tar.gz
(1.6 MB
view details)
Built Distribution
Filter files by name, interpreter, ABI, and platform.
If you're not sure about the file name format, learn more about wheel file names.
Copy a direct link to the current filters
yihuier-0.4.0-py3-none-any.whl
(50.2 kB
view details)
File details
Details for the file yihuier-0.4.0.tar.gz.
File metadata
- Download URL: yihuier-0.4.0.tar.gz
- Upload date:
- Size: 1.6 MB
- Tags: Source
- Uploaded using Trusted Publishing? Yes
- Uploaded via: twine/6.1.0 CPython/3.13.12
File hashes
| Algorithm | Hash digest | |
|---|---|---|
| SHA256 |
a1789ab9b11bc100c6eb2a15f52fa9112bc0cc588e228b5eb886f6946dc3d8ef
|
|
| MD5 |
e6d1abe1907e8d64ceb5fca5bd71707e
|
|
| BLAKE2b-256 |
5e0f9f14b76e39745b82ce59bd560a65a5ad46220c1612dd20edc8e4d3472532
|
Provenance
The following attestation bundles were made for yihuier-0.4.0.tar.gz:
Publisher:
publish.yml on encyc/yihuier
-
Statement:
-
Statement type:
https://in-toto.io/Statement/v1 -
Predicate type:
https://docs.pypi.org/attestations/publish/v1 -
Subject name:
yihuier-0.4.0.tar.gz -
Subject digest:
a1789ab9b11bc100c6eb2a15f52fa9112bc0cc588e228b5eb886f6946dc3d8ef - Sigstore transparency entry: 2167102818
- Sigstore integration time:
-
Permalink:
encyc/yihuier@0000486bfebbd798741e5d132f34045f301d67d5 -
Branch / Tag:
refs/tags/v0.4.0 - Owner: https://github.com/encyc
-
Access:
public
-
Token Issuer:
https://token.actions.githubusercontent.com -
Runner Environment:
github-hosted -
Publication workflow:
publish.yml@0000486bfebbd798741e5d132f34045f301d67d5 -
Trigger Event:
release
-
Statement type:
File details
Details for the file yihuier-0.4.0-py3-none-any.whl.
File metadata
- Download URL: yihuier-0.4.0-py3-none-any.whl
- Upload date:
- Size: 50.2 kB
- Tags: Python 3
- Uploaded using Trusted Publishing? Yes
- Uploaded via: twine/6.1.0 CPython/3.13.12
File hashes
| Algorithm | Hash digest | |
|---|---|---|
| SHA256 |
cb7f2a2ea4eea2951a9939090920ee8598d9c6d7522794b0eb7631ee75664f24
|
|
| MD5 |
7ac0b7198c4710efab6b59a0ed38d3b7
|
|
| BLAKE2b-256 |
34f5f4ef2fda7c42b440dd61fe52536d3d335af8cded9fa9d7254bc618cff402
|
Provenance
The following attestation bundles were made for yihuier-0.4.0-py3-none-any.whl:
Publisher:
publish.yml on encyc/yihuier
-
Statement:
-
Statement type:
https://in-toto.io/Statement/v1 -
Predicate type:
https://docs.pypi.org/attestations/publish/v1 -
Subject name:
yihuier-0.4.0-py3-none-any.whl -
Subject digest:
cb7f2a2ea4eea2951a9939090920ee8598d9c6d7522794b0eb7631ee75664f24 - Sigstore transparency entry: 2167102834
- Sigstore integration time:
-
Permalink:
encyc/yihuier@0000486bfebbd798741e5d132f34045f301d67d5 -
Branch / Tag:
refs/tags/v0.4.0 - Owner: https://github.com/encyc
-
Access:
public
-
Token Issuer:
https://token.actions.githubusercontent.com -
Runner Environment:
github-hosted -
Publication workflow:
publish.yml@0000486bfebbd798741e5d132f34045f301d67d5 -
Trigger Event:
release
-
Statement type:
