Listed company as a major commercial bank loan customers, improve its loan risk assessment and risk management system and mode of commercial Banks has important significance.

上市公司作为商业银行的重要贷款客户，完善对其贷款风险评估和风险管理的制度与模式对商业银行有着重要意义。

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The aim is to analyze the loan risk through a method of data mining, with which the risk rank of loan can be forecasted, so as to help banks when they have to deal with real estate customers.

旨在通过数据挖掘的方法对房地产行业的贷款客户进行贷款的风险评价，以便预测贷款的风险等级。

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Even in the era of high interest rates in the fixed rate of interest once, consumers can re-start owing on the loan at the new rate loans, banks also provide such services to its customers.

即使是在高利率时代，在固定利率下，一旦降息，消费者可以先还贷再重新按新利率贷款，银行也为客户提供此类服务。

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Chinese bankers, on the other hand, have been slower to lend, even with the Central Bank allowing the big state banks to use more of its cash reserves to loan to customers.

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