运用主成份分析法建立工业企业信用评价模型，并且将其有效性进行了比较检验。
The pattern of credit evaluation is founded by principal components analysis. Moreover, its validity is verified through the comparative means.
本文重点对其中的个人信用评价模型的使用与有效性进行了剖析，指出其中缺陷，并提出了改进对策。
This article focuses on the personal credit evaluation model in which the use and effectiveness of the analysis, pointing out the defects, and proposed improvement measures.
传统的信用评价模型有财务比率分析、多元判别分析等，但这些模型都不能有效、全面、完整地解决信用评价问题。
Thus, traditional credit assessment models, such as financial ratio analysis, multiple discriminate analysis and so on, cannot solve this problem effectively, completely and perfectly.
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