In view of bussiness and the problems of trust company,the paper discusses the special credit rating function on the development of trust company,and attempts to make the appraisal content and target system in order that the credit appriasal is researched and applied in the country
In online classification system,such as credit evaluation,spam detection and intrusion detection,it is an important problem to detect the new pattern,and make the classifier to adapt for emerging pattern.
The development of credit evaluation adapts to the new conditions in that the financial undertakings is growing rapidly ahead and credit risk is happening with increasing frequency since our country has reformed the economic system.
Compared with developed country, the industry of credit assessment of Chinese enterprises is established more late, and there are very great deficiencies in such aspects as scale , structure , service quality. There are lots of reasons to it. This text suggests that the weak demand of information, lack of structural supply and the big cost of information realization and so on are responsible to it.
At the end of the paper, the author give some suggestions of how to develop credit appraisal according to the existing problems and hope that credit appraisal is further more researched and applied in our country.
Credit rating is an activity that the professional credit appraisal agency makes the enterprise's credit state objectively and offers the concise grade conclusion to the enterprise in the form of simplest characters.
Should learn from supporting and encouraging science and technology enterprise's measure overseas,establish Heilongjiang province's venture capital system and the science and technology enterprise direct financing information platform and the credit appraisal system,impel the entire province's union of the science and technology and the financial service.
We consider 1927 borrowers from 54 countries who had a credit rating by both Moody's and S>amp;amp;P at the end of 1998, and their subsequent default history up to the end of 2002.
This evidence indicates an informational effect related to downgrades, which supports the hypothesis that credit rating agencies provide information that may reduce the asymmetric information problem between firms and investors.
A multicriteria discrimination approach for the credit rating of Asian banks
Use also increases with assessed need and with the extent of certain resources, including the credit rating.
Credit rating agencies are used as an example of these mechanisms.
Neural networks represent an exciting technology with a wide scope for potential applications, ranging from routine credit assessment operations to driving of large scale portfolio management strategies.
Evolutionary Radial Basis Functions for Credit Assessment
Credit assessment and rating requirements have not been imposed on the ABS bond issues.
Traditional bank credit assessment puts the blame of poor loan performance largely on the borrower.
And credit assessment, credit use, and fraud detection could share information.