It started with things like assessing credit risk from loan applications, sorting the mail by reading handwritten zip codes.

它是从例如评估贷款申请的信用风险，阅读手写的邮政编码来分类邮件等开始的。

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To reduce risk and achieve acceptable credit evaluation results, INT-CA wants to provide a different customer credit evaluation service to their loan reviewers.

为了减少风险和实现可接受的信用评估结果，INT - CA希望向其贷款审批人员提供不同的客户信用评估服务。

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After a period of record new loan creation, issuance is easing as the front-loading of new lending runs its course and Banks become more mindful of credit risk.

在创纪录的信用创造之后，随着前期新增贷款进入运行轨道和银行更加注重信用风险，放贷将渐趋缓和。

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Santander has staffed its Latin American operations with its own credit-risk specialists, who veto any loan that offers less than a risk-adjusted return of 20% a year.

ECONOMIST: Latin America

At least that is the way it works when an ordinary citizen judged to be a bad credit risk seeks a loan.

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James Adams is a Senior Analyst at Sageworks, a leading provider of credit risk management, loan loss reserve and stress testing software to financial institutions.

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