2025年征信數據分析師入門考試：征信數據分析與報告撰寫基礎試題考試時間：______分鐘總分：______分姓名：______一、征信數據分析基礎要求：根據所給征信數據，進行描述性統計分析，包括計算均值、中位數、眾數、方差、標準差等，并解釋其含義。1.某地區100戶居民的個人信用評分如下：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、征信數據可視化要求：根據所給征信數據，選擇合適的圖表類型，進行數據可視化，并解釋圖表所表達的信息。1.某地區近一年個人信用評分分布情況如下：-信用評分在80-90分的人數：50人-信用評分在90-100分的人數：30人-信用評分在70-80分的人數：20人-信用評分在60-70分的人數：10人-信用評分在50-60分的人數：5人請根據上述數據，選擇合適的圖表類型進行可視化，并解釋圖表所表達的信息。2.某銀行近一年貸款逾期情況如下：-逾期1個月的人數：100人-逾期2個月的人數：50人-逾期3個月的人數：20人-逾期4個月及以上的人數：10人請根據上述數據，選擇合適的圖表類型進行可視化，并解釋圖表所表達的信息。五、征信數據分析方法要求：根據所給征信數據，運用適當的分析方法，對數據進行分析，并得出結論。1.某地區居民信用評分與收入水平的關系如下：-信用評分在80-90分的人群，平均收入為5000元-信用評分在90-100分的人群，平均收入為8000元-信用評分在70-80分的人群，平均收入為4000元-信用評分在60-70分的人群，平均收入為3000元-信用評分在50-60分的人群，平均收入為2000元請運用相關分析方法，分析信用評分與收入水平之間的關系，并得出結論。2.某銀行近一年貸款逾期率與貸款金額的關系如下：-貸款金額在1萬元以下，逾期率為10%-貸款金額在1-5萬元，逾期率為5%-貸款金額在5萬元以上，逾期率為2%請運用回歸分析方法，分析貸款逾期率與貸款金額之間的關系，并得出結論。六、征信報告撰寫要求：根據所給征信數據，撰寫一份征信報告，包括報告的格式、內容、結構等。1.某客戶征信報告如下：-姓名：張三-性別：男-年齡：30歲-信用評分：85分-貸款記錄：-銀行A：貸款5萬元，已還款-銀行B：貸款10萬元，逾期1個月-銀行C：貸款8萬元，逾期2個月請根據上述信息，撰寫一份征信報告，包括報告的格式、內容、結構等。本次試卷答案如下：一、征信數據分析基礎1.某地區100戶居民的個人信用評分如下：-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+