credit assessment 中文意思是什麼

credit assessment 解釋
信用評估
  • credit : n 1 信用，信任。2 名譽，名望，聲望。3 贊揚，稱許；光榮，功勞，勛績，榮譽。4 信貸；賒銷；貸款；存...
  • assessment : n. 1. （價格的）評定，（稅額的）估定，（損害額的）查定。2. 稅額，攤派額。3. 【商業】應繳股款。4. （功過的）評價。
  1. Ccra ), which would gather and collate information from participating institutions about the indebtedness and credit records of their corporate customers. this would enable lenders to obtain a more complete picture of the credit worthiness of their customers, and thus improve their credit assessment

    該資料庫會收集及整理參與機構提供有關其公司客戶的債務及信貸記錄的資料，讓貸款人可更全面了解其客戶的信貸狀況，從而可加強貸款人的信貸評估。
  2. The content of this paper is arranged as foll owing : chapter 1 introduces the concept of credit, credit risk and credit assessment, as well as the history and development of credit assessment ; chapter 2 introduces the history of ai technology, and the background of expert system and neural network. characters and disadvantages of expert system and neural network are presented respectively and the necessity of combining expert system and neural network is lightened ; chapter 3 shows the process of dealing with sample data, including the treatment of exceptional data and factor analysis, and puts forward the concrete framework of the mixed - expert credit assessment system ; chapter 4 introduces concept of object - oriented technology, and constructs object model and functional model after analyzing the whole system. it also illustrates the implementation of concrete classes by an example of rule class and the inference algorithm in the form of pseudocode ; chapter 5 introduces the structure of the whole system, the major functional models and their interfaces, and the characteristic of the system is also generalized ; chapter 6 summarizes the whole work, and points out the remaining deficiencies as well as the prospective of this method

    本文具體內容安排如下：第一章介紹了信用、信用風險、信用評價的概念，回顧了信用評價的歷史、發展和現狀，並綜合各種信用評價模型，指出這些模型各自的優缺點：第二章簡單描述了人工智慧技術，著重介紹有關專家系統與神經網路的基礎知識，通過總結它們的優缺點，指出結合專家系統與神經網路構造混合型專家系統的必要性；本章還介紹了神經網路子模塊的概念，提出了混合型專家系統的一般框架與設計步驟：第三章對樣本數據進行處理，包括異常數據的剔除、因子分析等，提出了信用評價混合型專家系統的具體框架結構，介紹了系統知識庫的主要部分、基於優先級的正向推理機制的流程、以及基於事實的自動解釋機制的具體實現方法；第四章介紹了面向對象技術，進而採用面向對象對信用評價系統進行分析，建立了對象模型和功能模型，並在此基礎上，採用c + +語言以規則類為例說明系統中具體類的實現，用偽代碼的形式描述了推理的演算法；第五章描述了整個系統的結構，對系統主要功能模塊和界面進行了介紹，並總結系統的特點；第六章總結了全文，指出本文所構造系統存在的不足以及對將來的展望。
  3. Credit assessment is the evaluation of the likelihood for enterprise to repay their loans and interests

    信用評價是對企業能否如約還本付息的能力和可信任程度的評估。
  4. The credit assessment of borrower is the major measure for commercial bank to control credit risk and manage risky asset

    信貸客戶信用評價，是商業銀行控制信用風險和資產風險管理的主要手段。
  5. Province. spcc is affirmed as aaa level corporation in 1999 by icbc credit assessment committee

    經省工行信用評估委員會評定，確認為一九九九年度aaa級信用企業。
  6. Thus, traditional credit assessment models, such as financial ratio analysis, multiple discriminate analysis and so on, cannot solve this problem effectively, completely and perfectly

    傳統的信用評價模型有財務比率分析、多元判別分析等，但這些模型都不能有效、全面、完整地解決信用評價問題。
  7. Credit assessment is a very important but rather complicated process for commercial banks. from the past decades to nowadays, different schemes using simple financial ratios and many other statistical methods, such as logistical regression analysis, linear regression analysis, decision trees and so on, are used popularly by commercial banks all of the world

    在國內，銀行對客戶的信用等級評定，還處在對企業的某些財務指標進行評價，而後加權平均確定的階段上，因此迫切需要引入更為科學的方法來確定有效指標，並建立準確的定量模型來解決信用評估問題。
  8. We have also been conducting special examinations on the majority of credit card issuers that are authorized institutions under the banking ordinance. so far, we have only identified one case as requiring substantial improvement in its credit assessment and monitoring processes, and remedial actions are being taken

    此外，我們亦對本身是認可機構的大部分信用卡發行機構進行特別審查，暫時只發現一間發卡機構需要對信貸評估及監察程序作出重大改善，而有關方面已開始採取補救措施。
  9. This paper adopts factor analysis and stepwise discriminant analysis, based on financial and non - financial factors, to build the sme credit assessment indicator system whereby this paper builds the lda model and logit model. finally this paper empirically tests these models using relating data

    本文採用因子分析和逐步判別分析相結合的方法，在綜合考慮財務和非財務因素的基礎上，建立適合於中小企業信用評估的指標體系，分別構建了基於該指標體系的線型判別模型和logit回歸模型，並運用國內的相關數據進行了實證。
  10. In china, the institutions for credit assessment of enterprise include external credit appraisal companies and internal functional department in commercial banks

    在我國，對企業進行資信評價的機構，有商業銀行外部的評估公司，也有商業銀行內部的職能部門。
  11. Data mining is defined as the nontrivial extraction of implicit, previously unknown, and potentially useful information from data or known as knowledge - discovery in databases ( kdd ). to do this, data mining uses computational techniques from statistics, machine learning and pattern recognition such as discriminate analysis, regression method, mathematical programming, decision tree, k - nearest neighbor, artificial neural network etc. although many positive attempts are done, the development and application of personal credit assessment model in chinese bank industry is still in its infancy

    數據挖掘是20世紀90年代後期人工智慧和數據庫領域興起的一種數據處理和知識發現（ kdd ）理論，是從大量的、不完全的、有噪聲的、模糊的和隨機的實際應用數據中，提取隱含在其中的信息和知識的過程。對數據進行分類和預測是數據挖掘的主要功能。數據挖掘用於信用評估的優勢主要在於: （ 1 ）能處理和修正實際數據問題，演算法模型具有自檢
  12. Thus, a mixed - expert system is more suitable to the enterprise credit assessment

    這種技術符合信用評價的特點，更適合於建立信用評價模型。
  13. Application of random forest on selecting evaluation index system for enterprise credit assessment

    隨機森林在企業信用評估指標體系確定中的應用
  14. But in practice, neural network can still not illustrate the whole credit assessment process perfectly

    但是在實際的應用中，神經網路技術並不能完整描述整個信用評價過程。
  15. It is very important and valuable to evaluate enterprise properly with the assistance of credit assessment models

    藉助評價模型對企業的信用作出準確評價和判斷，極具社會和經濟價值。
  16. Article 18 of these rules by the international association of credit assessment and monitoring [ icasa ] responsible for the explanation

    第十八條本規則由國際信用評估與監督協會[ icasa ]負責解釋。
  17. However, theorists do not put much attention to the credit assessment because it is a practical basic work

    然而，由於信貸客戶信用評價是一項實踐性很強的基礎性工作，長期以來沒有引起理論界的足夠重視。
  18. It will bring negative influence to the whole economy, through enhancing the credit assessment and restructuring the credit system, the investors can get more definite and effective information, and can get credit certificate from those who borrow money

    加強資信評估，重構銀企信用體系，可以為投資者提供明確有效的決策信息，可以為籌資者提供信用證明，更對全社會增強信用體系起到宣傳作用。
  19. Furthermore, the existing credit assessment systems have a lot of limitation and the inaccurate results cau ^ e the increasing credit risk

    而且，國內現有的信用評價系統都存在著不同程度的缺陷，評價結果失靈的現象比比皆是，造成商業銀行信貸風險的增加。
  20. To perform more efficiently, a mixed expert system ( mes ) based method is proposed in our research, which combines artificial neural network ( ann ) technique with traditional expert system ( es ) to deal with the qualitative factors of various aspects in enterprise credit assessment. the focus of this work is concentrated at the ann module of that method

    因為神經網路適合處理定量的數據，而專家系統適合處理處理定性的數據，本課題我們用神經網路和專家系統分別對企業定量、定性兩方面信用風險的成因進行研究，有機、科學地結合兩者的的優點，最終得到企業信用等級的綜合評價。
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