The internal rating model that is established in the paper can resolve many problems, so it can be used to control credit risk.
该模型解决了以往研究中存在的指标反映信贷风险信息重叠与遗漏的问题，以及不能科学确定指标体系中各指标权重的问题。
Through factor analysis, cluster analysis and so on, the paper establishes an internal rating model. The effectiveness of the model is tested.
论文利用贷款历史数据，通过因子分析、聚类分析等方法构建内部信用评级模型，并对模型的有效性进行了检验。
On the basis of analyzing the shortcoming of state-owned commercial bank's credit rating system and the relative achievement, this paper emphasizes the importance of internal rating model.
在对国有商业银行当前信用评级方法存在问题和国内外相关研究成果进行分析的基础上，论文提出了构建国有商业银行内部信用评级模型，提高信贷风险管理水平的观点。
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