{
  "id": 476522,
  "title": "Federal reserve rate",
  "url": "/competitions/home-credit-credit-risk-model-stability/discussion/476522",
  "author_name": "",
  "post_date": "2024-02-12T16:51:09.821533900Z",
  "votes": 24,
  "comment_count": 8,
  "views": 0,
  "content": "<p>Hi,</p>\n<p>I downloaded the federal reserve rate. I may be usefull to calcualte the credit spread of case_id.</p>\n<p>You can find the dataset <a href=\"https://www.kaggle.com/datasets/lucamtb/fedfunds/\" target=\"_blank\">here: </a></p>\n<p>Feel free to use it</p>",
  "messages": [
    {
      "id": "2649173",
      "postDate": "02/12/2024 16:51:09",
      "content": "<p>Hi,</p>\n<p>I downloaded the federal reserve rate. I may be usefull to calcualte the credit spread of case_id.</p>\n<p>You can find the dataset <a href=\"https://www.kaggle.com/datasets/lucamtb/fedfunds/\" target=\"_blank\">here: </a></p>\n<p>Feel free to use it</p>",
      "rawMarkdown": "Hi,\n\nI downloaded the federal reserve rate. I may be usefull to calcualte the credit spread of case_id.\n\nYou can find the dataset [here: ](https://www.kaggle.com/datasets/lucamtb/fedfunds/)\n\nFeel free to use it",
      "votes": null
    },
    {
      "id": "2650190",
      "postDate": "02/13/2024 09:47:15",
      "content": "<p><a href=\"https://www.kaggle.com/lucamtb\" target=\"_blank\">@lucamtb</a> : thanks, Luca! It is going to be an insightful augmentation to the existing contest  data!</p>",
      "rawMarkdown": "lucamtb : thanks, Luca! It is going to be an insightful augmentation to the existing contest  data!",
      "votes": null
    },
    {
      "id": "2650827",
      "postDate": "02/13/2024 18:01:55",
      "content": "<p>Thanks <a href=\"https://www.kaggle.com/lucamtb\" target=\"_blank\">@lucamtb</a>! Interesting! </p>",
      "rawMarkdown": "Thanks @lucamtb! Interesting!",
      "votes": null
    },
    {
      "id": "2650906",
      "postDate": "02/13/2024 18:45:04",
      "content": "<p>Great stuff. Normalizing interest rates with this should separate the risk component more clearly from the overall economic conditions. </p>",
      "rawMarkdown": "Great stuff. Normalizing interest rates with this should separate the risk component more clearly from the overall economic conditions.",
      "votes": null
    },
    {
      "id": "2650932",
      "postDate": "02/13/2024 18:57:37",
      "content": "<p>Can you elaborate a bit more on your thought process</p>",
      "rawMarkdown": "Can you elaborate a bit more on your thought process",
      "votes": null
    },
    {
      "id": "2652465",
      "postDate": "02/14/2024 18:34:38",
      "content": "<p>Hi, can you explain this statement?</p>",
      "rawMarkdown": "Hi, can you explain this statement?",
      "votes": null
    },
    {
      "id": "2653402",
      "postDate": "02/15/2024 12:26:58",
      "content": "<p>Sure. </p>\n<p><code>Interest_rate = risk_free_rate + risk_premium</code></p>\n<p>For some past loans in external data we are given the <code>interest_rate</code>. By deducting risk_free_rate we should be able to get risk_premium which is more closely related to a risk profile of a person.</p>",
      "rawMarkdown": "Sure. \n\n`Interest_rate = risk_free_rate + risk_premium`\n\nFor some past loans in external data we are given the `interest_rate`. By deducting risk_free_rate we should be able to get risk_premium which is more closely related to a risk profile of a person.",
      "votes": null
    },
    {
      "id": "2722581",
      "postDate": "03/29/2024 16:51:48",
      "content": "<p>With the decision_date field in the test being transformed I believe matching the correct rate to deduct for getting the spread at loan initiation is not possible. Using these rates could also prove problematic for predicting if the dates are in the future.</p>",
      "rawMarkdown": "With the decision_date field in the test being transformed I believe matching the correct rate to deduct for getting the spread at loan initiation is not possible. Using these rates could also prove problematic for predicting if the dates are in the future.",
      "votes": null
    },
    {
      "id": "2741665",
      "postDate": "04/08/2024 14:19:16",
      "content": "<p>I agree with you</p>",
      "rawMarkdown": "I agree with you",
      "votes": null
    }
  ],
  "comments": [
    {
      "id": 2650190,
      "author_name": "gvyshnya",
      "author_url": "",
      "post_date": "02/13/2024 09:47:15",
      "content": "<p><a href=\"https://www.kaggle.com/lucamtb\" target=\"_blank\">@lucamtb</a> : thanks, Luca! It is going to be an insightful augmentation to the existing contest  data!</p>",
      "votes": null,
      "replies": [
        {
          "id": 2650932,
          "author_name": "skaarface",
          "author_url": "",
          "post_date": "02/13/2024 18:57:37",
          "content": "<p>Can you elaborate a bit more on your thought process</p>",
          "votes": null,
          "replies": []
        }
      ]
    },
    {
      "id": 2650827,
      "author_name": "kishanvavdara",
      "author_url": "",
      "post_date": "02/13/2024 18:01:55",
      "content": "<p>Thanks <a href=\"https://www.kaggle.com/lucamtb\" target=\"_blank\">@lucamtb</a>! Interesting! </p>",
      "votes": null,
      "replies": []
    },
    {
      "id": 2650906,
      "author_name": "narsil",
      "author_url": "",
      "post_date": "02/13/2024 18:45:04",
      "content": "<p>Great stuff. Normalizing interest rates with this should separate the risk component more clearly from the overall economic conditions. </p>",
      "votes": null,
      "replies": [
        {
          "id": 2652465,
          "author_name": "julien94",
          "author_url": "",
          "post_date": "02/14/2024 18:34:38",
          "content": "<p>Hi, can you explain this statement?</p>",
          "votes": null,
          "replies": [
            {
              "id": 2653402,
              "author_name": "narsil",
              "author_url": "",
              "post_date": "02/15/2024 12:26:58",
              "content": "<p>Sure. </p>\n<p><code>Interest_rate = risk_free_rate + risk_premium</code></p>\n<p>For some past loans in external data we are given the <code>interest_rate</code>. By deducting risk_free_rate we should be able to get risk_premium which is more closely related to a risk profile of a person.</p>",
              "votes": null,
              "replies": []
            }
          ]
        }
      ]
    },
    {
      "id": 2722581,
      "author_name": "casras",
      "author_url": "",
      "post_date": "03/29/2024 16:51:48",
      "content": "<p>With the decision_date field in the test being transformed I believe matching the correct rate to deduct for getting the spread at loan initiation is not possible. Using these rates could also prove problematic for predicting if the dates are in the future.</p>",
      "votes": null,
      "replies": [
        {
          "id": 2741665,
          "author_name": "lucamtb",
          "author_url": "",
          "post_date": "04/08/2024 14:19:16",
          "content": "<p>I agree with you</p>",
          "votes": null,
          "replies": []
        }
      ]
    }
  ],
  "raw_markdown_by_id": {
    "2649173": "Hi,\n\nI downloaded the federal reserve rate. I may be usefull to calcualte the credit spread of case_id.\n\nYou can find the dataset [here: ](https://www.kaggle.com/datasets/lucamtb/fedfunds/)\n\nFeel free to use it",
    "2650190": "lucamtb : thanks, Luca! It is going to be an insightful augmentation to the existing contest  data!",
    "2650827": "Thanks @lucamtb! Interesting!",
    "2650906": "Great stuff. Normalizing interest rates with this should separate the risk component more clearly from the overall economic conditions.",
    "2650932": "Can you elaborate a bit more on your thought process",
    "2652465": "Hi, can you explain this statement?",
    "2653402": "Sure. \n\n`Interest_rate = risk_free_rate + risk_premium`\n\nFor some past loans in external data we are given the `interest_rate`. By deducting risk_free_rate we should be able to get risk_premium which is more closely related to a risk profile of a person.",
    "2722581": "With the decision_date field in the test being transformed I believe matching the correct rate to deduct for getting the spread at loan initiation is not possible. Using these rates could also prove problematic for predicting if the dates are in the future.",
    "2741665": "I agree with you"
  },
  "source": "meta"
}