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<!DOCTYPE html>
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<html lang="zh-CN">
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<head>
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<meta charset="UTF-8">
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<meta name="viewport" content="width=device-width, initial-scale=1.0">
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<title>信贷风险评估系统可视化仪表板</title>
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<style>
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body {
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font-family: 'Segoe UI', Tahoma, Geneva, Verdana, sans-serif;
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line-height: 1.6;
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color: #333;
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max-width: 1200px;
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margin: 0 auto;
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padding: 20px;
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background-color: #f5f5f5;
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}
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header {
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background: linear-gradient(135deg, #667eea 0%, #764ba2 100%);
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color: white;
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text-align: center;
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padding: 2rem;
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border-radius: 10px;
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margin-bottom: 2rem;
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box-shadow: 0 4px 6px rgba(0,0,0,0.1);
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}
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h1 {
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margin: 0;
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font-size: 2.5rem;
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}
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.subtitle {
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font-size: 1.2rem;
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opacity: 0.9;
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margin-top: 0.5rem;
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}
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.dashboard {
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display: grid;
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grid-template-columns: repeat(auto-fit, minmax(500px, 1fr));
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gap: 2rem;
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margin-bottom: 2rem;
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}
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.card {
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background: white;
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border-radius: 10px;
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box-shadow: 0 4px 6px rgba(0,0,0,0.1);
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padding: 1.5rem;
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transition: transform 0.3s ease;
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}
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.card:hover {
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transform: translateY(-5px);
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}
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.card h2 {
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color: #667eea;
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border-bottom: 2px solid #667eea;
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padding-bottom: 0.5rem;
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margin-top: 0;
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}
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.chart-container {
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text-align: center;
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margin-top: 1rem;
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}
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.chart-container img {
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max-width: 100%;
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height: auto;
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border-radius: 5px;
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}
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.insight {
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background: #e3f2fd;
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border-left: 4px solid #2196f3;
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padding: 1rem;
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margin: 1rem 0;
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border-radius: 0 5px 5px 0;
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}
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footer {
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text-align: center;
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padding: 1rem;
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background: white;
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border-radius: 10px;
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box-shadow: 0 4px 6px rgba(0,0,0,0.1);
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}
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@media (max-width: 768px) {
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.dashboard {
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grid-template-columns: 1fr;
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}
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body {
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padding: 10px;
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}
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}
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</style>
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</head>
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<body>
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<header>
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<h1>信贷风险评估系统可视化仪表板</h1>
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<div class="subtitle">基于机器学习的可解释信贷风险分析</div>
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</header>
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<div class="dashboard">
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<div class="card">
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<h2>数据概览</h2>
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<div class="chart-container">
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<img src="default_distribution.png" alt="违约分布">
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</div>
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<div class="insight">
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<strong>数据洞察:</strong> 数据集中违约客户占比3.73%，正常客户占比96.27%，数据分布符合现实情况。
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</div>
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</div>
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<div class="card">
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<h2>SHAP特征重要性</h2>
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<div class="chart-container">
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<img src="shap_feature_importance.png" alt="SHAP特征重要性">
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</div>
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<div class="insight">
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<strong>模型洞察:</strong> SHAP分析提供了更精确的特征重要性评估，有助于理解模型决策过程。
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</div>
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</div>
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<div class="card">
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<h2>SHAP摘要图</h2>
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<div class="chart-container">
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<img src="shap_summary.png" alt="SHAP摘要图">
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</div>
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<div class="insight">
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<strong>模型洞察:</strong> SHAP摘要图显示了每个特征如何影响模型输出，红色表示增加风险，蓝色表示降低风险。
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</div>
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</div>
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<div class="card">
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<h2>年龄分布</h2>
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<div class="chart-container">
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<img src="age_distribution.png" alt="年龄分布">
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</div>
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<div class="insight">
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<strong>数据洞察:</strong> 客户年龄主要分布在25-45岁之间，这是信贷业务的主要目标群体。
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</div>
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</div>
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<div class="card">
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<h2>收入分布</h2>
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<div class="chart-container">
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<img src="income_distribution.png" alt="收入分布">
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</div>
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<div class="insight">
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<strong>数据洞察:</strong> 客户年收入主要集中在较低水平，符合一般信贷客户群体特征。
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</div>
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</div>
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<div class="card">
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<h2>信用评分分布</h2>
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<div class="chart-container">
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<img src="credit_score_distribution.png" alt="信用评分分布">
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</div>
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<div class="insight">
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<strong>数据洞察:</strong> 信用评分分布较为均匀，涵盖了从较差到优秀的各个等级。
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</div>
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</div>
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<div class="card">
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<h2>违约与年龄关系</h2>
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<div class="chart-container">
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<img src="default_vs_age.png" alt="违约与年龄关系">
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</div>
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<div class="insight">
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<strong>风险洞察:</strong> 年龄与违约风险之间没有明显的线性关系，说明需要综合其他特征进行判断。
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</div>
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</div>
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<div class="card">
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<h2>违约与收入关系</h2>
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<div class="chart-container">
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<img src="default_vs_income.png" alt="违约与收入关系">
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</div>
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<div class="insight">
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<strong>风险洞察:</strong> 收入较高的客户违约风险相对较低，但并非绝对，仍需考虑其他因素。
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</div>
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</div>
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<div class="card">
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<h2>违约与信用评分关系</h2>
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<div class="chart-container">
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<img src="default_vs_credit_score.png" alt="违约与信用评分关系">
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</div>
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<div class="insight">
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<strong>风险洞察:</strong> 信用评分与违约风险呈明显负相关，信用评分越低，违约风险越高。
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</div>
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</div>
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<div class="card">
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<h2>特征相关性</h2>
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<div class="chart-container">
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<img src="correlation_heatmap.png" alt="特征相关性">
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</div>
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<div class="insight">
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<strong>数据洞察:</strong> 多数特征之间相关性较低，说明特征具有较好的独立性，有利于模型训练。
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</div>
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</div>
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<div class="card">
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<h2>教育水平与违约关系</h2>
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<div class="chart-container">
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<img src="education_default.png" alt="教育水平与违约关系">
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</div>
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<div class="insight">
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<strong>风险洞察:</strong> 教育水平较高的客户违约率相对较低，体现了教育对信用的影响。
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</div>
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</div>
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<div class="card">
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<h2>房产情况与违约关系</h2>
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<div class="chart-container">
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<img src="home_default.png" alt="房产情况与违约关系">
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</div>
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<div class="insight">
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<strong>风险洞察:</strong> 拥有自有房产的客户违约率最低，租房客户的违约率相对较高。
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</div>
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</div>
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</div>
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<footer>
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<p>信贷风险评估系统 © 2025 | 基于LightGBM和对抗自编码器的可解释AI模型</p>
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</footer>
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</body>
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</html>
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