为啥是A

问题如下：

Using Exhibit 1, the best description of the ALPHA model is that it is an example of a(n):

选项：

A.logistic regression model. B.unsupervised machine learning model. C.classification and regression tree (CART) model.

解释：

A is correct. The ALPHA model, in Exhibit 1, is a logistic regression or classification model. It is structured as a binary classification model (1, 0) because it simply determines the probability of default on a loan, which is a yes/no type event, and assigns a value of 1 or 0 to the result.

B is incorrect. Given that there is a labeled dataset included (whether the loan went into default or non-default) in the model and description, it would not be considered an unsupervised model.

C is incorrect. A CART model is typically based on non-linear datasets and a series of potential decision points in the data similar to a decision tree. The outlined model is a single-layer prediction of default or non-default based on available customer information.