DEA method depends on available financial ratios, avoiding subjective shortcomings, simplifying calculation, which has special meanings in credit risk management for banking in China.

DEA方法利用可以获取的财务指标，避免主观因素，简化运算，对完善我国银行风险管理方法具有特殊的意义。

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High yields reflect high risk, but the financial ratios and earnings trend did not point to a firm that is struggling to stay afloat.

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