1、以分数的形式来衡量风险几率的一种手段
2、对未来一段时间内违约/逾期/失联概率的预测
3、通常评分越高越安全
4、根据使用场景分为反欺诈评分卡、申请评分卡、行为评分卡、催收评分卡
评分卡开发原理介绍请见：https://blog.csdn.net/htbeker/article/details/79697557
jupyter运行带可视化结果请见：https://blog.csdn.net/htbeker/article/details/80936461
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