{"text_format":"2","workbook":"xlsx","n_sheets":8,"sheets":["流程","是否要客","要客规则","极优质客户","通用规则","客群规则","极优质客户额度","客群额度"],"not_rendered":{"charts":0,"images":1,"macros":0,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"run_cost":"one","rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"流程","index":0,"n_rows":9,"n_cols":1,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
["策略流描述"]
["开始 --> 是否要客"]
["是否要客 --> [满足条件: 1] 要客规则 --> 结束"]
["是否要客 --> [满足条件: 0] 极优质客户"]
["极优质客户 --> [满足条件: 拒绝] 通用规则"]
["极优质客户 --> [满足条件: 接受] 极优质客户额度 --> 结束"]
["通用规则 --> [满足条件: 0] 结束"]
["通用规则 --> [满足条件: 1] 客群规则"]
["客群规则 --> 客群额度 --> 结束"]

{"sheet":"是否要客","index":1,"n_rows":3,"n_cols":7,"rows_kept":3,"cut":false,"hidden":false,"merged":[]}
["变量","逻辑","输出","默认输出","输入备注","输出备注","备注"]
["要客 GovVip","GovVip=1",1,0,null,"是要客"]
["要客 GovVip","GovVip=0",0,null,null,"不是要客"]

{"sheet":"要客规则","index":2,"n_rows":4,"n_cols":7,"rows_kept":4,"cut":false,"hidden":false,"merged":[]}
["变量","逻辑","输出","默认输出","输入备注","输出备注","备注"]
["是否本行关系人 bhgxr","bhgxr=1","拒绝","拒绝"]
["当前逾期金额 dqyqje","dqyqje>0","拒绝"]
["无本行贷款和信用卡逾期余额 wbhdkhxykyqye","wbhdkhxykyqye=1","拒绝"]

{"sheet":"极优质客户","index":3,"n_rows":20,"n_cols":7,"rows_kept":20,"cut":false,"hidden":false,"merged":[]}
["变量","逻辑","输出","默认输出","输入备注","输出备注","备注"]
["年龄 age\n性别 sex","男性客户年龄小于22岁或大于60岁，普通女性客户小于22岁或大于55岁","拒绝","接受","性别为男或者女"]
["是否本行关系人 sfbhgxr","sfbhgxr=1","拒绝"]
["配偶在黑名单中  pozhmdz","pozhmdz=1","拒绝"]
["行内审慎客户 hnsskh","hnsskh=1","拒绝"]
["呆账信息汇总、资产处置信息汇总、保证人代偿信息汇总数据中有记录的  ydzhzccz","ydzhzccz=1","拒绝"]
["资产处置信息余额的zcczye","zcczye>0","拒绝"]
["保证人代偿信息余额的 bzrdcye","bzrdcye>0","拒绝"]
["呆账贷记卡是记录dzdjkjl_cnt","dzdjkjl_cnt>0","拒绝"]
["对外担保信息中担保贷款五级分类 dbxxwjfl","对外担保信息中担保贷款五级分类是“次级”或“可疑”或“损失”","拒绝"]
["当前逾期金额 dqyqje","dqyqje>0","拒绝"]
["客户存在公安负面信息 gafmxx_cnt","gafmxx_cnt>0","拒绝"]
["客户存在失信被执行人信息 ssxrzxxx_cnt","ssxrzxxx_cnt>0","拒绝"]
["公积金缴至年月距申请时的月份数gjjjfyffs","公积金缴至年月距申请时的月份数大于3","拒绝"]
["公积金近1年累计缴纳次数 gjjjncs_l122m","公积金近1年累计缴纳次数小于6","拒绝"]
["贷记卡最近24个月的还款记录中逾期天数 djkyqts_l24m\n逾期金额 yqje","贷记卡或贷记卡最近24个月的还款记录中逾期天数(3-7、D、Z、G字符)且逾期金额500元以上","拒绝"]
["借款人最近24个月最大连续逾期期数jkrzdlxyqqs_l24m\n累计逾期次数 ljyqqs","借款人最近24个月最大连续逾期期数>3或累计逾期次数>6","拒绝"]
["非银行机构未结清贷款笔数 fyjgwjqdkbs","非银行机构未结清贷款笔数>=3","拒绝"]
["近一个月非本行审批查询机构数 fbhspcxs_l1m\n近3个月非本月审批查询机构数 fbhspcxs_l3m\n近6个月非本行审批查询机构数 fbhspcxs_l6m","近一个月非本行审批查询机构数>3或近3个月非本月审批查询机构数>5或近6个月非本行审批查询机构数>8","拒绝"]
["一代模型评分  ydmxpf","一代模型评分>0.766","拒绝"]

{"sheet":"通用规则","index":4,"n_rows":6,"n_cols":7,"rows_kept":6,"cut":false,"hidden":false,"merged":[]}
["变量","逻辑","输出","默认输出","输入备注","输出备注","备注"]
["性别 sex\n年龄 age","男性客户年龄在22岁至60岁，女性客户在22岁至55岁",0,1,null,"0代表拒绝,1代表接受"]
["征信分 pboc_score","征信分大于0.523",0]
["月收入 incomeM","月收入小于2000",0]
["强制执行记录中申请执行标价值 qzzxbjz\n已执行标的金额 yzxbje","强制执行记录中申请执行标的价值与已执行标的金额之差大于2万元",0]
["申请人未结清的小额贷款笔数 wjqxedkbss\n小额贷款机构数  xedkjgs","申请人未结清的小额贷款笔数大于4或小额贷款机构数大于2个",0]

{"sheet":"客群规则","index":5,"n_rows":4,"n_cols":7,"rows_kept":4,"cut":false,"hidden":false,"merged":[]}
["变量","逻辑","输出","默认输出","输入备注","输出备注","备注"]
["客户公积金单位类型 gjjdwlx\n性别 sex\n年龄 age\n个人公积金开户日期距申请时间 gjjkhsj\n公积金近1年累计缴纳次数 gjjjncs_l12m","客户公积金单位类型在（国家机关、事业单位、国企、医院）中\n且\n男性年龄在[22,60]；女性年龄[22,55]。\n且\n个人公积金开户日期距申请时间>=1年。\n且\n公积金近1年累计缴纳次数>=6。","公积金单位较优客户","其它"]
["年日均金融资产 nrjjrzc\n近3月月日均金融资产 rjzc_l3m\n我行开户时长 whkkhsj\n信用模型评分（第一版） xymxpf","年日均金融资产>10万元。\n且\n近3月月日均金融资产>=1万。\n且\n我行开户时长>=1年。\n且\n信用模型评分（第一版）>0.397或者评分为-1。\n","金融资产较优客户",null,"金融资产单位为万元\n我行开户时长单位为年"]
["未结清房贷月应还款额 wjqfdyyhke\n已还款期数 yhkqs\n最长逾期天数 zcyqts\n近24个月逾期次数  yqcs_l24m\n\n","未结清房贷月应还款额>4000且已还款期数>12且近24个月至多有2次逾期且最长逾期天数在30天之内 \n或\n未结清房贷月应还款额∈(0,4000]且已还款期数>24且近24个月至多有2次逾期且最长逾期天数在30天之内。","房贷客户"]

{"sheet":"极优质客户额度","index":6,"n_rows":9,"n_cols":7,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
["变量","逻辑","输出","默认输出","输入备注","输出备注","备注"]
["单位类型 dwlx\n月收入 incomeM","单位为国家机关\n且\n月收入区间 (0,5000)",60000,0]
["单位类型 dwlx\n月收入 incomeM","单位为国家机关\n且\n月收入区间 [5000,12000)",180000]
["单位类型 dwlx\n月收入 incomeM","单位为国家机关\n且\n月收入区间[12000,15000)",250000]
["单位类型 dwlx\n月收入 incomeM","单位为国家机关\n且\n月收入区间 >15000",300000]
["单位类型 dwlx\n月收入 incomeM","单位为三甲医院、优质学校或者国网\n且\n月收入区间 (0,6000)",50000]
["单位类型 dwlx\n月收入 incomeM","单位为国家机关\n且\n月收入区间 [6000,14000)",150000]
["单位类型 dwlx\n月收入 incomeM","单位为三甲医院、优质学校或者国网\n且\n月收入区间[14000,16000)",220000]
["单位类型 dwlx\n月收入 incomeM","单位为三甲医院、优质学校或者国网\n且\n月收入区间 >16000",300000]

{"sheet":"客群额度","index":7,"n_rows":9,"n_cols":7,"rows_kept":9,"cut":false,"hidden":false,"merged":[]}
["变量","逻辑","输出","默认输出","输入备注","输出备注","备注"]
["客群类型 kqlx\n月收入 incomeM","客群类型为公积金单位较优客户\n且\n月收入区间 (0,5000)",60000,0]
["客群类型 kqlx\n月收入 incomeM","客群类型为公积金单位较优客户\n且\n月收入区间 [5000,12000)",180000]
["客群类型 kqlx\n月收入 incomeM","客群类型为公积金单位较优客户\n且\n月收入区间[12000,15000)",250000]
["客群类型 kqlx\n月收入 incomeM","客群类型为公积金单位较优客户\n且\n月收入区间 >15000",300000]
["客群类型 kqlx\n月收入 incomeM","客群类型为房贷客户\n且\n月收入区间 (0,6000)",50000]
["客群类型 kqlx\n月收入 incomeM","客群类型为房贷客户\n且\n月收入区间 [6000,14000)",150000]
["客群类型 kqlx\n月收入 incomeM","客群类型为房贷客户\n且\n月收入区间[14000,16000)",220000]
["客群类型 kqlx\n月收入 incomeM","客群类型为房贷客户\n且\n月收入区间 >16000",300000]