preparation" title="Permalink to this headline">¶</a></h2>
<p>There are 3 categorical variables (SEX, EDUCATION and MARRIAGE) and 20
numerical variables.
The target (credit defaults) is transformed in a binary variable with
integers 0 (no default) and 1 (default).
From the 30000 credits, 50% are used for training and 50% are used
for testing. The target is unbalanced with a 22%/78% ratio.</p>
<div class="highlight-python notranslate"><div class="highlight"><pre><span></span><span class="kn">import</span> <