2025年征信数据分析师入门考试：征信数据分析与报告撰写基础试题

2025年征信数据分析师入门考试：征信数据分析与报告撰写基础试题考试时间：______分钟总分：______分姓名：______一、征信数据分析基础要求：根据所给征信数据，进行描述性统计分析，包括计算均值、中位数、众数、方差、标准差等，并解释其含义。1.某地区100户居民的个人信用评分如下：88,95,91,85,90,92,87,93,89,94,96,89,88,90,87,91,93,89,86,90,92,87,85,88,91,90,89,86,93,88,90,91,89,87,92,89,88,86,90,91,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,93,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,89,88,90,91,89,86,90,91,89,87,92,四、征信数据可视化要求：根据所给征信数据，选择合适的图表类型，进行数据可视化，并解释图表所表达的信息。1.某地区近一年个人信用评分分布情况如下：-信用评分在80-90分的人数：50人-信用评分在90-100分的人数：30人-信用评分在70-80分的人数：20人-信用评分在60-70分的人数：10人-信用评分在50-60分的人数：5人请根据上述数据，选择合适的图表类型进行可视化，并解释图表所表达的信息。2.某银行近一年贷款逾期情况如下：-逾期1个月的人数：100人-逾期2个月的人数：50人-逾期3个月的人数：20人-逾期4个月及以上的人数：10人请根据上述数据，选择合适的图表类型进行可视化，并解释图表所表达的信息。五、征信数据分析方法要求：根据所给征信数据，运用适当的分析方法，对数据进行分析，并得出结论。1.某地区居民信用评分与收入水平的关系如下：-信用评分在80-90分的人群，平均收入为5000元-信用评分在90-100分的人群，平均收入为8000元-信用评分在70-80分的人群，平均收入为4000元-信用评分在60-70分的人群，平均收入为3000元-信用评分在50-60分的人群，平均收入为2000元请运用相关分析方法，分析信用评分与收入水平之间的关系，并得出结论。2.某银行近一年贷款逾期率与贷款金额的关系如下：-贷款金额在1万元以下，逾期率为10%-贷款金额在1-5万元，逾期率为5%-贷款金额在5万元以上，逾期率为2%请运用回归分析方法，分析贷款逾期率与贷款金额之间的关系，并得出结论。六、征信报告撰写要求：根据所给征信数据，撰写一份征信报告，包括报告的格式、内容、结构等。1.某客户征信报告如下：-姓名：张三-性别：男-年龄：30岁-信用评分：85分-贷款记录：-银行A：贷款5万元，已还款-银行B：贷款10万元，逾期1个月-银行C：贷款8万元，逾期2个月请根据上述信息，撰写一份征信报告，包括报告的格式、内容、结构等。本次试卷答案如下：一、征信数据分析基础1.某地区100户居民的个人信用评分如下：-均值：(88+95+91+85+90+92+87+93+89+94+96+89+88+90+87+91+93+89+86+90+92+87+85+88+91+90+89+86+93+88+90+91+89+87+92+89+88+86+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+93+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+90+91+89+86+90+91+89+87+92+89+88+