As the new round of epidemic continues, from Hong Kong to Shenzhen, then to Shanghai and Jilin. The raging and expanding epidemic has made the individual economy worse, and many cities and industries have been greatly affected. People from all walks of life have their own difficulties due to the forced isolation due to the epidemic, resulting in loss of income, resulting in an increase in the number of people who are in debt or overdue.
If it is overdue in credit, how do we calculate the days overdue? For example, in April 2022, due to the sharp drop in income due to the epidemic, a person had no choice but to overdue credit. In May 2022, the situation improved and the overdue money was repaid. How to count the number of days overdue for this person? At this time, the caliber of statistics can be divided into once overdue and current overdue, corresponding to different values. For credit institutions, this situation will also be faced when calculating the Vintage table. This article will work with you to thoroughly understand the calculation logic of overdue days.
Article directory
1. Definition of overdue days
Overdue means that the customer fails to repay the monthly repayment amount in full on the repayment date, so the contract is overdue. Overdue includes historical overdue and current overdue. Historical overdue means that there was an overdue in the past (the time before the observation time point). The current overdue means that no matter whether the history has been overdue or not, as long as there is an overdue at the observation time point, it is the current overdue. For example, although the customer was overdue in the past, the repayment has been made after a few days, and there is no current overdue at the time of observation. Then the customer has historical overdue but no current overdue.
DPD (Days Past Due) refers to the number of days that the customer has not paid by the due date. The number of overdue days is the number of days from the next day of the due date to the actual repayment date (inclusive). For return date, the actual return date shall be replaced by the statistical date.
For example: DPDN+ means customers with overdue days ≥ N days, such as DPD60+ means customers with overdue days ≥ 60 days.
Example:
If the customer fails to repay on the first repayment date (May 12, 2021), then May 13, 2021 will be one day overdue, and the customer repays on May 17, and the customer has exceeded the first 5 days . The statistics of overdue days are also divided into past overdue days and current overdue days. Next, a detailed description will be given.
2. Calculation logic of overdue days
In order to make the statistics of the number of overdue days clearer, the method of drawing pictures is used to illustrate.
1 Dimension of the number of days past due
The number of past due days mainly considers whether the customer is overdue before the observation date. First, it is divided into two cases: the repayment date is greater than or equal to the observation date and the repayment date is less than the observation date. If the repayment date is greater than or equal to the observation date, it means that the order is not yet due for repayment. Naturally, it is not overdue, and the number of overdue days is naturally 0. If the repayment date is less than the observation date, it can be divided into two cases: unsettled by the observation date and settled by the observation date. The specific calculation logic is as follows:
Scenario 1: due date ≥ observation date (Mob_date)
Overdue days = 0
Scenario 2: due date < observation date (Mob_date)
①Unpaid by the observation day
Overdue days = Observation date - Repayment date
② It has been settled by the observation date
a. The settlement date is before the observation date
Overdue days = settlement date - due date
b. Closing Date After Observation Date
Overdue days = Observation date - Repayment date
2 Current Overdue Days Dimension
The current number of overdue days mainly considers whether the customer is overdue on the observation date. First, it is divided into two cases: the repayment date is greater than or equal to the observation date and the repayment date is less than the observation date. If the repayment date is greater than or equal to the observation date, it means that the order is not yet due for repayment. Naturally, it is not overdue, and the current number of overdue days is naturally 0. If the repayment date is less than the observation date, it can be divided into two cases: unsettled by the observation date and settled by the observation date. The specific calculation logic is as follows:
Scenario 1: due date ≥ observation date (Mob_date)
Current Overdue Days=0
Scenario 2: due date < observation date (Mob_date)
①Unsettled by the observation date
Current overdue days=observation date-repayment date
②Cleared by the observation date
a. The settlement date is before the observation date (there is a difference)
the current number of days overdue = 0
b. The current overdue days after the settlement date
is after the observation date = observation date - due date
3 The difference between the statistics of the past due days and the current overdue days
From the above analysis, it can be seen that there is a difference between the number of past due days and the current number of overdue days only when the due date < observation date, the observation date has been settled and the settlement date is before the observation date.
Overdue days = settlement date - due date, but the current overdue days = 0. For several other situations, the two methods for calculating the number of overdue days are the same, just pay attention when writing the corresponding SQL.
You may be interested in:
Draw Pikachu with Python
Draw a word cloud map
with Python Draw 520 eternal heart beats with Python Python face recognition - you are the only one
in my eyes With sound and text) Use the py2neo library in Python to operate neo4j and build a relationship map Python romantic confession source code collection (love, rose, photo wall, confession under the stars)
