{"id":13719,"date":"2019-09-03T10:17:11","date_gmt":"2019-09-03T14:17:11","guid":{"rendered":"https:\/\/ibkrcampus.com\/?p=13719"},"modified":"2023-02-28T10:18:47","modified_gmt":"2023-02-28T15:18:47","slug":"visualizations-for-credit-modeling-in-r-part-ii","status":"publish","type":"post","link":"https:\/\/www.interactivebrokers.com\/campus\/ibkr-quant-news\/visualizations-for-credit-modeling-in-r-part-ii\/","title":{"rendered":"Visualizations for Credit Modeling in R \u2013 Part II"},"content":{"rendered":"\n<p><em>To read the Intro and download the R packages, see the <a href=\"\/campus\/ibkr-quant-news\/visualizations-for-credit-modeling-in-r-part-i\/\">first part<\/a> in this article. <\/em><\/p>\n\n\n\n<p>After loading the dataset and data management, it is time to make the credit modelling visualizations in R: <\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fcfcdb;font-size:11px\">Chart on customers<br>\nggplot(data = loan,aes(x = grade)) + geom_bar(color = &#8220;blue&#8221;,fill =&#8221;green&#8221;) +geom_text(stat=&#8217;count&#8217;, aes(label=..count..))+ theme_solarized()<br>\nggplotly(p = ggplot2::last_plot())<\/p>\n\n\n\n<p> The above coding gives us the following graph:<\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" data-src=\"\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-1.png\" alt=\"Visualizations for Credit Modeling in R\" class=\"wp-image-13955 lazyload\" width=\"383\" height=\"329\" data-srcset=\"https:\/\/ibkrcampus.com\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-1.png 511w, https:\/\/ibkrcampus.com\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-1-400x344.png 400w\" data-sizes=\"(max-width: 383px) 100vw, 383px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 383px; aspect-ratio: 383\/329;\" \/><\/figure>\n\n\n\n<p>Now lets look at histogram based upon loan amount and interest rate:<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fcfcdb;font-size:11px\"> #Histogram on loan amount<br> ggplot(data = loan,aes (x = loan_amnt,fill= grade))+ geom_histogram()<br> ggplotly(p = ggplot2::last_plot())<br> #Histogram  on interest rate<br> ggplot(data = loan,aes (x = int_rate,fill= grade))+ geom_histogram()<br> ggplotly(p = ggplot2::last_plot()) <\/p>\n\n\n\n<p> This gives us the following two histograms: <\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" data-src=\"\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-3.png\" alt=\"histograms Visualizations\" class=\"wp-image-13953 lazyload\" width=\"416\" height=\"329\" data-srcset=\"https:\/\/ibkrcampus.com\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-3.png 554w, https:\/\/ibkrcampus.com\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-3-400x317.png 400w\" data-sizes=\"(max-width: 416px) 100vw, 416px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 416px; aspect-ratio: 416\/329;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" data-src=\"\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-4.png\" alt=\"Visualizations for Credit Modeling in R\" class=\"wp-image-13954 lazyload\" width=\"416\" height=\"329\" data-srcset=\"https:\/\/ibkrcampus.com\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-4.png 554w, https:\/\/ibkrcampus.com\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-4-400x317.png 400w\" data-sizes=\"(max-width: 416px) 100vw, 416px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 416px; aspect-ratio: 416\/329;\" \/><\/figure>\n\n\n\n<p>Next, it is time to look at the density plot on loan- and interest rate based grade type.<\/p>\n\n\n\n<p class=\"has-background\" style=\"background-color:#fcfcdb;font-size:11px\">#density on loan based on grade type<br> ggplot(data = loan,aes(x = loan_amnt,fill = grade)) + geom_density()<br> ggplotly(p = ggplot2::last_plot())<br> #density on interest rate based on grade type<br> ggplot(data = loan,aes(x = int_rate,fill = grade)) + geom_density()<br> ggplotly(p = ggplot2::last_plot())<\/p>\n\n\n\n<p> This gives us the following plots: <\/p>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" data-src=\"\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-5.png\" alt=\"density plot for Credit Modeling in R\" class=\"wp-image-13957 lazyload\" width=\"416\" height=\"329\" data-srcset=\"https:\/\/ibkrcampus.com\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-5.png 554w, https:\/\/ibkrcampus.com\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-5-400x317.png 400w\" data-sizes=\"(max-width: 416px) 100vw, 416px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 416px; aspect-ratio: 416\/329;\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image is-resized\"><img decoding=\"async\" data-src=\"\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-6.png\" alt=\"density plot for Credit Modeling in R\" class=\"wp-image-13958 lazyload\" width=\"416\" height=\"329\" data-srcset=\"https:\/\/ibkrcampus.com\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-6.png 554w, https:\/\/ibkrcampus.com\/campus\/wp-content\/uploads\/sites\/2\/2019\/08\/visialization-credit-modeling-Kristian-partii-6-400x317.png 400w\" data-sizes=\"(max-width: 416px) 100vw, 416px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 416px; aspect-ratio: 416\/329;\" \/><\/figure>\n\n\n\n<p>Visit <a href=\"https:\/\/datascienceplus.com\/\">DataScience+<\/a> to download Kristian Larsen&#8217;s code and to see the rest of the graphs, including box plots for interest rate based on purpose and grade,  histograms and density plot based on interest rate and loan amount.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kristian Larsen codes in R to create visualizations for credit modeling. Bar plots, interest rate graphs, histograms based upon loan amount and interest rate, and density plots.<\/p>\n","protected":false},"author":163,"featured_media":13727,"comment_status":"closed","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[339,343,338,351,344,342],"tags":[2856,2535,2533,1410,487,508,2536],"contributors-categories":[13666],"class_list":{"0":"post-13719","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-data-science","8":"category-programing-languages","9":"category-ibkr-quant-news","10":"category-quant-europe","11":"category-quant-regions","12":"category-r-development","13":"tag-credit-modeling","14":"tag-dplyr","15":"tag-ggplot2","16":"tag-plotly","17":"tag-r","18":"tag-rstudio","19":"tag-visualization","20":"contributors-categories-datascience"},"pp_statuses_selecting_workflow":false,"pp_workflow_action":"current","pp_status_selection":"publish","acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.9 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Visualizations for Credit Modeling in R \u2013 Part II<\/title>\n<meta name=\"description\" content=\"Kristian Larsen codes in R to create visualizations for credit modeling. 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