然后，针对银行业务中客户信用政策给出了实例分析，用该算法建立了一个分类模型，根据存款金额、贷款次数、及时还贷率等数据信息实现对客户信用等级的分类。

In this example, according to the loan, the numbers of loaning and the payment-in-time ratio, a model worked for classification of customer credit-rating is created.

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将首先检查订单的有效性，然后评估客户的信用等级（假设这是一个服务订单，并且延迟一个月支付）。

The feasibility of the order is first checked and then the customer's credit rating is assessed (we are assuming this is an order for a service which is paid monthly in arrears).

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其他银行更为适中地预测其客户的信用等级将平均下降一到两级。 但即使是这样的下降也没有几个银行能承受。

Others expect more modest downgrades of one to two notches on average, but few can afford even that sort of deterioration.

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