信用

The main content of preparation before scoring is selection of characteristics, which mainly uses Logistic regression, contingency table analysis and artificial neural network. Personal credit scoring and evaluation mainly uses general discriminant analysis, refined decision tree model, improved genetic algorithm, probability neural network and behavioral scoring model. The effect test of personal credit scoring includes fitting effect test and fitness test. The former involves right prediction rate, Kappa consistency test, ROC curve, and the latter includes likelihood ratio test, Hosmer-Lemeshow test, etc.

评分前的准备工作主要是特征变量的筛选，其中使用的主要方法为Logisitic回归、列联表分析和人工神经网络；本文使用的个人信用评分与评估方法为广义判别分析、精练决策树模型、改进遗传算法、概率神经网络和行为评分模型；个人信用评估的效果检验包括拟合效果检验和拟合优度检验两个方面，前者涉及的方法有预测的正确率、Kappa一致性检验、ROC曲线，后者主要包括似然比检验、Hosmer-Lemeshow检验等。

The former involves right prediction rate, Kappa consistency test, ROC curve, and the latter includes likelihood ratio test, Hosmer-Lemeshow test, etc.

评分前的准备工作主要是特征变量的筛选，其中使用的主要方法为Logisitic回归、列联表分析和人工神经网络；本文使用的个人信用评分与评估方法为广义判别分析、精练决策树模型、改进遗传算法、概率神经网络和行为评分模型；个人信用评估的效果检验包括拟合效果检验和拟合优度检验两个方面，前者涉及的方法有预测的正确率、Kappa一致性检验、ROC曲线，后者主要包括似然比检验、Hosmer-Lemeshow检验等。

Although our country's commercial banks credit risk,whose management methods are available in the past credit risk management practice,has made some achievements, techniques, methods and means are lagger.

虽然我国商业银行现有信用风险管理方法在过去信用风险管理的实践中取得了一定的成效，但其技术、方法和手段较为落后。

Besides the late fee and interest, they also affect your credit rating and we know how important the credit rating is.

此外，滞纳金和利息，他们还影响你的信用评级，我们知道，是多么重要的信用评级。

Actually, we can manage and control the lease risks effectively through a credit evaluation module and relevant policy, which can accesses leaseholder's credit with accuracy.

通过对承租人信息的收集，并借助信用评估模型来完成对承租人信用进行评估，并由此制定相关的租赁政策，可以有效的控制租赁风险。

Another 15 percent of your credit score is based on the length of time that you have had credit.

另有15 ％的你的信用评分是根据所用的时间，你曾经有信用。

In this paper, the bond market listed companies, from government policies, credit rating, the phenomenon of internal control, lack of security bonds, bonds and other varieties of single-level analysis of the corporate bonds of listed companies failed to become the main form of direct financing of the reasons,And from government control, regulate credit rating, improve the ownership structure of listed companies, the implementation of strict enterprise security and bankruptcy system, the bond layer breeds innovation by the listed companies to strengthen the bond financing measures.

本文通过上市公司债券市场的问题，从政府政策、信用评级、内部人控制现象、债券安全性不足、债券品种单一等层面分析了企业债券未能成为上市公司直接融资的主要形式的原因，并分别从加强政府调控、规范信用评级、改进上市公司股权结构、实施严格的企业担保及破产制度、债券品种创新等层而提出加强上市公司债券融资的措施。

It is the largest loaner and debtor as the agency of credit and payment and the organization that creates credit tools .

商业银行是经营货币的特殊企业，作为信用中介，支付中介和不断创造信用工具的机构，它既是最大的债权人又是最大的债务人。

In short, your credit score is that thing that could make or break your credit application.

在短期内，您的信用评分是一件事，可以或破坏您的信用申请。

A mathematical formula is used to measure data from your credit report to create your credit score.

数学公式是用来测量数据，从您的信用报告，创造自己的信用评分。

Do you know, i need you to come back

你知道吗，我需要你回来

Yang yinshu、Wang xiangsheng、Li decang,The first discovery of haemaphysalis conicinna.

1〕 杨银书，王祥生，李德昌。安徽省首次发现嗜群血蜱。