信用分析

改进的K-Means聚类算法在保险客户信用分析中的算法实现

Algorithm Realization of Improved K-Means Clustering Algorithm in Credit Analysis of Policyholders

加强信用分析，促进消费信贷的健康发展

Strengthen credit analysis to promote development of consumption credit well

研究了信用分析中的软计算方法&BP网络与自适应神经模糊推理，并对软计算方法与DEA、TOPSIS的结合运用作了进一步探讨。

Soft computing including BP neural networks and Adaptive Neural Fuzzy Inference applied to Credit scoring is studied in the current paper . Furthermore , the combination of Soft computing and DEA as well as TOPSIS is discussed .

野村（nomura）信贷分析师annisalee表示，点心债券市场上的许多参与者都是富裕的个人投资者或其他非典型的债券投资者，他们不会对发行人进行严格的信用分析。

Annisa Lee , credit analyst at Nomura , says many participants in the dim sum bond market are wealthy individual investors or other non-typical bond investors who do not carry out rigorous credit analysis of issuers .

单笔金额小于一定限度。由于银行零售业务这样的特征，适宜采用新的方法对其进行信用分析，即利用信用风险模型。

Characteristic of retail credit need new technique in analysis of credit .

辅助高级会计完成部分的集团报表及信用分析。

Assist Sr. Accountant for group reporting and credit analysis .

装备承制单位信用分析研究工程总承包企业概念问题探讨

Analysis on the Equipment Contractor 's Credit Study on the Concept of the Gneral Contractor

公司打算最终为中国各地的企业客户提供信用分析服务。

The venture intends to eventually offer the credit-analysis service to corporate customers throughout China .

在传统的信用分析方法之外，许多机构开发出了量化度量信用风险的模型。

Besides the traditional credit analysis methods , some quantitative management models have been developed by many institutions .

在标普的网站上，其对法国的信用分析曾一度被链接至题为“降级”的部分。

Its analysis of France had been linked in a section on its website entitled " downgrade " .

客户信用分析是商业银行风险管理的基础，而风险管理是商业银行取得经营成功的关键。

Risk management is the basis of customer credit analysis , the key to successful operations of commercial banks .

信用分析作为信用风险管理的重要组成部分，对资产安全有着重要意义。

The credit analysis took the credit risk management the important constituent , safely has the vital significance to the property .

对新客户运用稳健分析模型进行信用分析，然后做出销售决策。

Among new clients , it carries oncredit analysis by using a sound and safe analyzing model and then makes sale decisions .

信用分析可以从企业的品质、资本、能力、抵押品和情况这五个信用情况方面作出分析。

Credit analysis from the quality of enterprises , capital , capacity , collateral and credit situation in these five cases are analyzed .

人们对于用数据科学的方法来进行信用分析热情高涨，风险资本也正在流入这个新兴的领域。

There is a lot of enthusiasm for the data science approach to credit analysis , and venture funding is flowing into this emerging field .

针对客户信用分析的需求，利用决策树技术对某钢厂的销售数据进行分析。

To meet the requirements of customer credit analysis , sales data from a certain steel mill are analyzed with the help of decision tree .

本章首先对基础资产进行信用分析，即包括担保资产风险、现金流风险、法律风险、第三方风险的分析。

First the credit analysis is made on the risks of basic asset : collateral , structural / cash flow , legal and third-party ones .

电力市场条件下，电力公司规避电费拖欠风险的有效办法是加强对客户的信用分析。

Under electricity market , the effective measurement to avoid risk resulted from arrears with electricity charge is to enhance analysis of clients ' credit .

文章首先阐述了纳税信用分析研究的必要性、国内外研究现状和研究背景、意义和数据挖掘技术相关方面的知识。

The paper pinpoint that it is necessary to analyze ratepaying credit , expound foreign and home research status and significance of it and knowledge about data mining .

渐渐地，标志着现代性的各种元素也好部门也好随着出现了，比如股票市场、债券市场以及商品市场，资产管理和信用分析等。

Bit by bit , the standard components of modernity were put into place , including stock , bond and commodity markets , asset management and credit analysis .

同时也分析各个数据挖掘方法在个人信用分析中的应用范围，对比分析了各个方法的优缺点。

At the same time we provide an overview of the application of data mining in the credit risk and summarizing the advantage and disadvantage of different methods of data mining .

发现潜在、有用的关系应用于具有高度潜能的市场，进行市场分析、销售分析和信用分析。

For corporation possessing of huge potential energy , finding latent and useful relation from those information , which can be used for market analyzing , sales analyzing and credit analyzing .

随着大量的赊销业务出现，企业自行进行灵活务实的信用分析研究就显得特别重要。

With the emergence of a large number of drugs either on credit business , it was particularly important for enterprises to carry on a flexible and pragmatic self-study credit analysis .

危险在于，即使规则中已经消除了评级因素，许多机构投资者可能并不情愿自己开展信用分析，而是将继续依靠三巨头的工作。

The danger is that many institutional investors will be reluctant to do their own credit analysis and will continue to rely on the big three even if ratings are pulled from the rules .

在类似花旗银行的组织中，有培训管理层新人的核心教程，内容包括金融分析、证券和市场、公司财政、信用分析、外汇市场等。

For organizations such as Citibank , a core program for all new management trainees includes topics such as financial analysis , securities and markets , corporate finance , credit analysis , and FX .

BP算法在信用风险分析中的应用

Application of BP algorithm in credit risk analysis

在银行以及金融相关产业，信用风险分析已日渐重要。当前基于数学规划（Mathematicalprogramming）的分析方法已成为信用风险分析的有力工具。

Mathematical programming based methods have been applied to credit risk analysis and have proven to be powerful tools .

标普计划把rac比率用作未来信用评级分析的一项要素。

S & P plans to use its RAC ratio as an element of future credit ratings analysis .

作者通过在阅读一系列文献、数据资料的基础上，引入KMV模型对借款企业进行信用风险分析，构建基于信用风险度量的商业银行贷款定价模型。

Through a series of documents and data analysis , I chose KMV model to analyze credit risk by building loan pricing model based on the measurement of credit risk .

在对债券估价研究之后，基于KMV模型建立了市政债券信用风险分析体系，并且继续运用江苏省的数据进行实证分析。

I built the municipal bond credit risk analysis system based on the KMV model , after studying the bond valuation and carrying out empirical analysis based on the data from Jiangsu Province .