保险签发的核心在于用于确定适当的客户保险费的专有评级模型。
At the core of insurance issuance lies a proprietary rating model that is used to determine the appropriate customer premium.
本文最后还为某商业银行的一个行业建立了信用评级模型，说明了我们模型的合理性。
This article concludes with a commercial bank for the establishment of an industry credit rating model, shows that our model is reasonable.
新巴塞尔资本协议将信用风险作为重中之重，鼓励商业银行建立以工程化的内部评级模型。
In the New Basel Capital Accord credit risk has been listed the first important item, encouraging commercial Banks to build an engineering IRB model.
同时，也分析了两者的缺点和不足，为本文进行商业银行信用评级模型的权重设计提供了依据。
At the same time, he analyses the disadvantages of them and provides the foundation about the design of weight for the model of credit rating.
结果表明，信用评级模型能够较为准确地预测和评价企业的信用水平，具有较好的可行性和适用性。
Results show that the credit rating model can accurately predict and evaluation of enterprise credit level and has good feasibility and applicability.
论文利用贷款历史数据，通过因子分析、聚类分析等方法构建内部信用评级模型，并对模型的有效性进行了检验。
Through factor analysis, cluster analysis and so on, the paper establishes an internal rating model. The effectiveness of the model is tested.
本文首先对国内外信用风险的研究现状进行了回顾，并对目前比较流行的信用评级方法进行比较，在此基础上构建了我国上市公司信用评级模型。
First, this article had a review to the research present situation of overseas and our country, compared the popularized methods of credit rating, and then constructed a credit rating model.
在对国有商业银行当前信用评级方法存在问题和国内外相关研究成果进行分析的基础上，论文提出了构建国有商业银行内部信用评级模型，提高信贷风险管理水平的观点。
On the basis of analyzing the shortcoming of state-owned commercial bank's credit rating system and the relative achievement, this paper emphasizes the importance of internal rating model.
监管者需要对于银行自身的风险模型和评级机构更为信任，并且使用有关借贷限度的简单规则来补充其不足。
Regulators need to be able to put more trust in banks' risk models and rating agencies and supplement them with simple rules about the level of borrowing.
问题在于这种排除了人为因素的系统一旦模型失效，一旦公司的信用评级受到质疑，那么一切都不可信了。
The problem with an impersonal system is that when the models fail, and when companies’ ratings become suspect, everything is called into question.
大多数对冲基金假定它们自己的模型更好而不怎么关注评级，这也不是什么好的迹象。
It is hardly a good sign that most hedge funds pay little attention to ratings, assuming their own models to be better.
它最主要的缺陷是依赖评级机构和银行自己所承担风险的模型—银行一些漏洞恰是因此被曝光，这也使其声名狼藉。
Its chief failing is its reliance on rating agencies and the Banks' own models of the risks that they are carrying-an idea that has been discredited by the way Banks have been caught out.
二是由于信赖银行的风险模型和评级机构意见，审慎的监管机构未能充分衡量银行的风险。
And the failure by prudential regulators to measure bank risk adequately owing to their reliance on Banks' risk models and rating agency opinions.
而风险模型和风险管理系统较为复杂的大银行则可以选择协议规定的“内部评级法”，或者简称为“IRB”。
Bigger Banks with more sophisticated risk-modelling and risk-management systems can opt for what Basel 2 calls the "internal ratings-based approach", or IRB.
评级机构基于自身的模型给出改进的建议。
The agencies would suggest improvements based on their models.
本文尝试将CPV模型原理应用于信用评级，力求更加精准地度量信用风险价值和银行监管资本充足率。
In this paper, CPV model will be used for credit rating so as to measure the credit risk and Banks' regulatory capital adequacy rate more accurately.
信用风险；商业银行；信用评级；度量模型；信用风险管理。
Credit risk; Commercial bank; Credit rating; Measure model; Credit risk management.
最后，利用建立的模糊综合市场定位模型对一个实际开发案例进行分析，以检验评级体系的合理性和准确性。
Finally, analysis a practical model with the fuzzy comprehensive market positioning evaluating system, test the reasonableness and accuracy of the system.
而在P 2 P的例子里，贷款人依赖于贷款俱乐部自营模型提供的贷款评级，来决定要加大的贷款和可接受的利率。
Yet in the case of peer-to-peer lending, lenders are dependent on the credit ratings from the lending club's proprietary models to decide to extend a loan and the rate to accept.
本文利用排序多元离散选择模型，结合实际数据，对中国银行的客户信用评级系统进行了检验。
This paper USES ordered multivariable discrete choice model and practical data to test the client credit grading system of Bank of China.
一个比较曾根评级不同型号的会告诉你哪个模型更安静。
A comparison of sone ratings of different models will tell you which model is quieter.
通过本文的研究，可以得出结论：利用本文提出的上市公司信用风险评价模型对中国上市公司进行信用风险评级是可能的，也是完全可行的。
Through the research, we may obtain the conclusion: It is possible and feasible to use the credit risk appraisal model advanced by this article to appraise the credit risk of listed companies.
由于这个模型使得被评级的证券化产品获得了更高的评级，他的模型在公司大受欢迎，并且为公司带来了更多的生意。
Due to the higher ratings that this model achieves, his valuation model becomes popular with his firm, who are keen to issue positive ratings for structured products in order to win business.
针对Z模型的不足，指出应结合实际对客户评级体系进行修正，并提出了客观评级的校正标尺。
Concerning the shortage of Z model, the essay points out the necessity of modification of clients grading system in a practical way, and offers the standards of modification of practical grading.
针对Z模型的不足，指出应结合实际对客户评级体系进行修正，并提出了客观评级的校正标尺。
Concerning the shortage of Z model, the essay points out the necessity of modification of clients grading system in a practical way, and offers the standards of modification of practical grading.
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