The purpose of this article is to establish a credit - rating forecasting model used to rate the credit of the borrowers of state student loan ( the students ) . the writer hopes that this model will help the banks to learn about the future credit of the borrowers before loan providing . so the banks can make a proper decision 本文的写作目的就是建立一个用于预测国家助学贷款中借款人(学生)的信用评分的模型，以此来帮助办理助学贷款业务的银行在发放贷款之前，就对贷款的申请人将来可能的信用度有所了解，以便做出是否放贷的决策。
The four major reasons can be concluded as following , the first is the lack of individual credit system ; the second is the low reputation of individual credit ; the third reason is the huge enterprise operation risk caused by distemperedness of market rules ; and the fourth one is the low anti - risk ability of chinese commercial bank 但是，由于我国个人信用制度的缺失、个人信用度低下、市场规则不健全导致的企业经营风险过大(尤其是房地产业)以及我国商业银行本身抗风险能力不足等原因，使银行在消费信贷业务上面临着极大的风险。
The reasons are : the first , small and medium enterprises adopt low - cost strategy in the logistics , as a result , they could not make money , so when in the event of loss makes their mutual eroded ; the second , the legal system is not perfect and can not be binding contract speculative behavior ; the last , the existence of a large number of small and medium enterprises in the market logistics , the alternative of their partners is more 作者认为中小tpl企业之间合作彼此的约束力弱,由于法律的不健全、合作伙伴之间的可替代性高,所以投机行为发生的机率高,因此,在联盟内部只有通过对成员企业进行“信用度”管理,加大对违约和投机行为进行商誉、发展空间等方面的惩罚,才能使所有成员企业认真对待其在联盟中的责任。
Part6 : brief conclusion . conclude problems existed in the paper and what need further discussion . through theoretical analysis and empirical test , this paper gets a possible conclusion : the law level of credit in china is owing to the following factors , lacking opportunities to do repeated communication , lacking open environment of competition , lacking a mature and complete market , and activities of our government requiring further regulation and effective restricting 通过理论分析和实证检验，本文可能的结论是：中国目前的低信用度可以归因于社会资本存量的不足，人们还缺乏将一次博弈转化为重复博弈的条件，缺乏重复交往的机会，中国市场还缺乏开放的竞争环境，市场还有待成熟和完善，政府行为还需要进一步规范和有效界定。
Based on intensive research and investigation , the dissertation tries to figure out the major ventures for the major constructions and its subdivision projects of a large - scale project . among these interfering factors , there are some artificial risks , such as the credit risks , closely related with credit degree and behavior of party , from which can be prevented by restraining party ' s behavioral project 在这些干扰因素中,有一些人为风险,例如信用风险(业主是否能按期支付工程款、承包商是否能依照合同保质如期完工)是和当事人的意志、行为、信用度密切相关的,它可以通过制约当事人行为的工程担保制度来防范。
