此外，贷款复核人员需要更为详细的客户资料，如事务历史和客户信用信息，以降低公司的坏帐率。
In addition, the loan reviewer needs to have even more detailed customer data, like transaction history and customer credit information, in order to reduce the company's bad loan ratio.
对两种典型的坏帐率统计方法进行比较，发现传统的统计方法存在很大的误差，从而影响信用风险的测定精度。
By comparing two typical statistics methods of default rate, the article found a serious error in the statistics method that will impact on the precision of credit risk measurement.
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