Merge pull request #86 from tanwh/master

Merge pull request #56 from JohnCny/master
Merge pull request #87 from tanwh/master

[mod]评估最近3个月平均分
[mod] 贷款逾期，有效管户更新
Merge remote-tracking branch 'origin/master'
Merge pull request #57 from JohnCny/master

merge