Individual skill
lr-modeling
【LR评分卡建模】当用户需要"逻辑回归"、"LR建模"、"评分卡"、"scorecard"、"WoE建模"、"跑个LR"时使用。基于 WoE 编码 + Logistic Regression 训练标准评分卡模型，输出系数表、分箱WoE映射、评分卡分数转换。复用平台已有的三段式数据切分、AUC/KS/BCR评估体系、稳定性分析。前提条件：需要已有数据集。**不做超参数调优**；不做特征工程。与 xgb-modeling 的区别：本 Skill 使用逻辑回归+WoE编码，输出可解释的评分卡模型；xgb-modeling 使用 XGBoost 树模型。
DianJin-SKILLS/financial-engineering-expert/lr-modeling/SKILL.md
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# LR 评分卡建模 (portable)
基于 WoE (Weight of Evidence) 编码 + Logistic Regression 进行二分类评分卡建模。
**核心流程**：原始特征 → WoE 最优分箱编码 → LR 训练 → 评分卡转换
**适用场景**：
- 风控评分卡开发（标准 A/B/C 卡）
- 需要强可解释性的业务场景
- 监管合规要求模型白盒化
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## 参数说明