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Basing on the describe of predominance of data mining and the cognition of credit appraising in the department of banking credit, the article analyses data minings application predominance on credit risk management of banking.

文章基于对数据挖掘方法优势的描述和银行业信贷部门信用评价情况的认识，结合西方商业银行信用风险评价方法的模式，运用模型分析了数据挖掘方法在商业银行信用风险管理领域的应用优势。

Many low-income Americans also are likely to benefit from a trifecta of tax credits: expansions to the existing Child Tax Credit and Earned Income Tax Credit, and a new refundable tax credit for workers.

除了现有的儿童退税，所得税退税，又新增加了给工人的可偿还退税。

The thesis discusses countermeasures to credit granting problems in trade finance of CCB Guangdong Branch as follows: improving the calculating method of credit granting and deducting credits based on different risk discount factors, differentiating access thresholds for credit granting, expanding the scope of mortgages, exploring new channels for supply chain financing, improving employee quality, awareness and ability and comprehending security issues open-mindedly, and based on full understanding of customers, changing from control over individual enterprise operation to management of overall supply chain.

随后，本文探讨了省建行解决贸易融资授信问题的对策，从完善授信额度的测算方式，按不同的风险折扣系数扣减额度，到差别化管理授信业务的准入，扩大担保物范围，促进供应链融资新渠道以及强化员工素质、意识和能力。

After simply introducing the conception of credit and credit risk, the paper analyses the credit risk and its management in our commercial banks in detail.

在简单介绍了信用和信用风险的概念之后，详细分析了我国商业银行的信用风险及其管理现状。

The system includes three subsystems, namely, credit risk assessment, credit risk prewarning and credit risk control.

该系统是一个以警报为导向、以免疫和安全行为为目的的防错、纠错机制。

The entity payees are encouraged to, on the basis of getting fully aware of the credit conditions of the entity payers, receive commercial acceptance bills, reduce oral credit and open-account credit, and improve the contract performance ratio.

鼓励收款单位在充分了解付款单位信用状况的基础上，接受商业承兑汇票，减少口头信用和挂账信用，提高合同履约率。

At the same time, China's credit card industry in the development process has to be resolved and there are many standard questions: such as credit loss, malicious overdrafts, credit card crime.

但同时，我国信用卡产业在发展过程中也存在诸多亟待解决和规范的问题：如信用缺失、恶意透支、信用卡犯罪等。

It is well-acknowledged by many higher education administrators and researchers that the credit system is appropriate for the market economy and the whole social needs; credit system reform complies with the objective requirements of social and economic "development and that the research into China" s higher education credit system is not only an academic undergoing, but also a very important practical task.

我国高教界不少管理者和研究人员都认为，学分制是能适应市场经济乃至整个社会需求的一种教学管理制度；学分制改革是高等教育顺应社会经济发展的客观要求。在当前形势下，如何建立起符合我国国情的学分制教学管理制度，不但是一个重要的学术问题，而且是一个重大的实践课题。

Guide the thirty-third article: the commercial banks should be adopted, including the borrower's employing unit, the tax department, industry and commerce management departments as well as credit institutions, such as independent third-party investigation to examine the authenticity of applications for loans and the borrower's credit to understand themselves and their family's assets, liabilities, credit record and so on.

指南的第三十三条：商业银行应通过，其中包括借款人的用人单位，税务部门，工业和商业管理部门以及信贷机构，如独立的第三方进行调查，审查申请的真实性贷款和借款人的信用，了解自己和家人的资产，负债，信用记录等。

For self-credit repair through legal means, you need to get the copies of your free annual credit reports from the legal credit reporting companies.

自我修复信用通过法律手段，需要找你的份免费年度信用报告信用报告从法律公司。

Listen,point and check your answers.

听，指出并且检查你的答案。

Warming needle is one of effective treatment methods for knee arthralgia aggravated by cold,and it is simple,safety,so it should be developed in clinical acupuncture and moxibustion extensively.

但以本院科针灸门诊在2005年1月—2006年6月期间共收治膝痛患者100余例，经过临床的诊断后，其中施以温针治疗的48例，疗效显著，报道如下。1临床资料本组病例48