虽然对于评价当前的事物我们必须谨慎，但是我仍然对认为银行业的放松管制(虽然是局部的)是最近的信用危机的一个原因的看法持怀疑态度。
Although one must be tentative in evaluating current events, I suspect that the deregulation (though again partial) of banking has been a factor in the current credit crisis.
在第一种情形下，我们得到了局部违约率以及相应的零息债券在零时刻的信用利差的极限。
In the first case, we get the local default rate and the limit of credit spreads of zero-coupon bonds at time zero.
在个人信用评估部分中，对所有的离散数据进行量化处理，然后使用局部学习率自适应算法，对BP算法加以改进。
In the individual credit evaluation part, it quantifies all kinds of scattered data, and to improve BP algorithm it USES local self-adaptive study rate algorithm.
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