银行信用

Consequently, this essay choose the "Z-Score Model", which was developed by Altaian, the famous American expert in risks management, to analyze and evaluate the listed companies' credit risks in China and to verify its efficiency to Chinese stocks market. The " Z-Score Model" is an innovation in the evaluation of companies' credit risk in the United States' banks, which is now being used widely. If the model is also applicable in Chinese stocks market, it will be significant in both theories and practices.

因此，本文选用作为美国商业银行信用评估方法的一次重要创新的，目前仍被美国商业银行广泛使用的，由美国著名信用风险管理专家Altman建立的"Z评分模型"(Z-Score Model)来对我国上市公司的信用风险状况进行实证研究，验证其在我国股票市场的有效性程度，如果能证明"Z评分模型"同样适用于我国证券市场，并将其改造为更适合我国上市公司的信用风险分析模型，将不仅具有很大的理论价值，而且也具有十分重要的现实意义。

In order to keep up with the advanced approaches which international banks use nowadays, in this paper we present a new credit risk rating model, based on Principal Components and fizzy BP nerve network.

本文在对我国商业银行当前信用评级过程中存在的问题的认识和国内外相关研究成果的比较分析的基础上，提出了构建我国商业银行信用风险预警模型，所选用的研究方法有主成分分析法、模糊BP神经网络法。

COASTAL COMMUNITY AND TEACHERS CREDIT UNION COLLINS COMMUNITY CREDIT UNION COLUMBUS BANK AND TRUST COMPANY COMERICA BANK COMMERCE BANCSHARES, INC. COMMERCE BANK, NATIONAL ASSOCIATION COMMERCIAL BANK COMMUNITY BANK AND TRUST CREDIT ONE BANK, NATIONAL ASSOCIATION CREDIT UNION CENTRAL FALLS CREDIT UNION OF NEW JERSEY CU COOPERATIVE SYSTEMS DATA CENTER INCORPORATED DHCU COMMUNITY CREDIT UNION DIGITAL FEDERAL CREDIT UNION DUPONT COMMUNITY CREDIT UNION ESL FEDERAL CREDIT UNION EVANSVILLE FIREFIGHTERS FEDERAL CREDIT UNION FAIRFAX COUNTY FEDERAL CREDIT UNION FAMILY SECURITY CREDIT UNION FARMERS AND TRADERS BANK FEDCHOICE FEDERAL CREDIT UNION FIA CARD SERVICES, NA FIA CARD SERVICES, NATIONAL ASSOCIATION FIDELITY BANK FINANCIAL HORIZONS CREDIT UNION FIRST-CITIZENS BANK AND TRUST COMPANY FIRSTMERIT BANK, NATIONAL ASSOCIATION FIRST BANKING CENTER - BURLINGTON FIRST COMMUNITY BANK, NATIONAL ASSOCIATION FIRST COMMUNITY CREDIT UNION FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF PORT ANGELES FIRST FEDERAL SAVINGS BANK OF FLORIDA FIRST INTERSTATE BANK FIRST NATIONAL BANK FIRST NATIONAL BANK OF TENNESSEE FIRST PREMIER BANK FIRST SAVINGS BANK OF PERKASIE FIRST STATE BANK OF ST.

海岸社区与师范储蓄互助社柯林斯合作信用社哥伦布银行及信托公司Comerica银行商业股票银行，工商银行股份有限公司，国家协会为商业银行和信托银行信用社区一家银行，国家会信用联合会中央瀑布信用新泽西兑换联盟协同系统数据中心的法团DHCU合作信用社数字联邦信用合作社杜邦合作信用社的ESL联邦信用合作社埃文斯维尔消防队员联邦信用合作社费郡联邦信用合作社家庭安全信用联盟农民和商人银行FEDCHOICE联邦信用合作社国际汽联卡服务，不适用国际汽联卡服务，全国协会信诚银行信用联盟第一个财政立式服务器，国民银行和信托公司FirstMerit现有银行，第一银行中心的全国性协会-伯灵顿第一社区银行，国家协会第一社区信贷联盟第一个联邦储蓄和贷款协会第一港口洛杉矶联邦储蓄银行美国佛罗里达州第一州际银行第一国民银行第一国民银行田纳西州的首位银行第一储蓄佩卡西作者：意法半导体第一州银行。

It is safer , stabler and more reliable than common business credit .

信用证将银行信用特别是著名银行的信用融入了国际贸易中，与一般的商业信用相比，银行信用更加可靠，稳定和安全。

It has been rated as category A Customs enterprises, the Agricultural Bank of the city was rated AA-credit enterprises, farmers in AAA-rated letter of credit business, the county government as the county committee of advanced enterprise management, foreign exchange earned through exports advanced enterprises, tax The honorary title of advanced units. 2004 was the best enterprises in bank credit to the selection committee selected the "best business bank credit."

并先后被海关评为A类企业、被市农行评为AA级信用企业、被市农信评为AAA级信用企业、被县委县政府评为企业管理先进企业、出口创汇先进企业、纳税先进单位等荣誉称号。2004年被市银行信用最佳企业评选委员会选定为"银行信用最佳企业"。

Lucubrating credit risk manage problem is not only independent behavior...

深入研究我国商业银行的信贷风险管理问题，不仅是商业银行作为微观金融主体进行内部管理的自主行为，从全局看也是防范商业银行的信贷风险导致银行信用体系和支付体系崩溃、引发货币危机、股市暴跌和金融危机的需要。

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。

It provides a reliable evidence for credit risk prewarning and internal control.

信用风险评价是针对银行信用风险现状进行评价的，是整个信用风险管理系统的基础，为后面的信用风险预警和内部控制提供了一个可靠的依据，并在对银行信用风险分析的基础上，建立了信用风险评价的指标体系。

There are four parts in the article:The first part mainly discusses the concept, differentiations of a few concepts, and the characteristic of commercial banks credit risk, and the trend of modern credit risk.

全文共分四部分：第一部分主要论述了信用风险的涵义、几个概念的区别及商业银行信用风险的特征，并对现代信用风险的管理趋势做了描述。

The performance of commercial bank credit management directly affects the performance of commercial bank management.

商业银行信用管理水平的高低，将直接影响一个商业银行的信用管理绩效，甚至银行经营的成败。

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。