Improved ML-Based Technique for Credit Card Scoring in Internet Financial Risk Control

Table 2

Evaluation index of ML model.

Evaluation index	Formula
Accuracy rate (AR)	(TP + TN)/(TP + TN + FN + FP)
Recall rate (Recall)	TP/(TP + FN)
Or TPR	—
FPR	FP/(FP + FN)
Precision rate	TP/(TP + FP)
F1 score	2PR/(P + R)