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。
It started with things like assessing credit risk from loan applications, sorting the mail by reading handwritten zip codes.
银行正在重新评估其贷款标准。
我们经常定期评估信用卡贷款的风险和成本。
We constantly evaluate the risks and costs of funding credit-card loans.
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