Beginner score
78/100
Competition workspace
适合已有 Python 深度学习基础、愿意使用 PaddlePaddle 2.0+ 处理结构化信贷数据的个人参赛者。参赛者应能理解贷款金额、利率、还款、信用记录等字段，并完成贷款违约的二分类预测。
Suggested next step
Decide whether this contest fits your current stage before you sink time into the leaderboard.
Beginner score
78/100
Learning value
72/100
Estimated effort
4-12 hours
Metric
Official scoring is published on the Ba…
适合已有 Python 深度学习基础、愿意使用 PaddlePaddle 2.0+ 处理结构化信贷数据的个人参赛者。参赛者应能理解贷款金额、利率、还款、信用记录等字段，并完成贷款违约的二分类预测。
Taken from the competition's official page.
Loan-default training and test CSV datasets
If the items below still feel unfamiliar, you usually get a better result by preparing first instead of rushing in.
PaddlePaddle 2.0+
结构化表格数据处理
贷款风控特征工程
二分类预测模型
AUC 优化
CSV 提交文件生成
The real friction is usually not library usage. It is validation, time allocation, and task framing.
核心难点是从两类贷款记录中大量数值、类别、日期、文本及匿名特征提取有效信号，并针对 AUC 优化违约预测。除预测文件外，还必须提交用 PaddlePaddle 训练的端到端模型对应的原始代码，且每天评测提交受限。
This guide is the best pre-read if you want a cleaner start instead of trial-and-error.
How to learn feature engineering, validation, and competition workflow without heavy hardware.
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Official metric is not published on the Baidu AI Studio competition listing; verify scoring on the competition page.