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参加魔镜杯风控算法大赛编写的程序。比赛要求根据国内网络借贷行业的贷款风险数据，包括信用违约标签、借款人特征、借款人网络行为原始数据，评判用户预期违约率，建立用户信用评分模型，模型性能用AUC值评判。算法由GBDT模型、logistic模型构成。
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