由美国个人消费信用评估公司(FICO Inc。)提供的数据显示，25.5%的客户，接近4330万人，现在的信用积分等于或低于599，这使他们变成了放贷机构的亏空风险。

Figures provided by FICO Inc. show that 25.5 percent of consumers - nearly 43.4 million people - now have a credit score of 599 or below, marking them as poor risks for lenders.

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他们说，在这个非正规市场中，营业公司也许比中国的银行在评估信用上处于更有利的位置。

They said, in the irregular market, operating companies may be in a more advantageous situation than Chinese banks in terms of credit-assessment.

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本文分别从个体信用风险分析的角度和组合信用风险分析的角度对中国上市公司信用风险的评估方法进行了研究。

And this thesis has studied the credit risk assessment methods of China's listed companies based on the individual credit risk analysis and the portfolio credit risk analysis respectively.

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