The application of dm technique to banking consists of four components : customer relationship management , risk management , credit grade evaluation , and service analysis and forecasting 数据挖掘技术在银行领域的应用有四个方面:银行客户关系管理、银行风险管理、银行信用等级评估、银行服务分析和预测。
Our commercial banks , especially the state - owned banks , have so lowly qualitative credit assets and highly bad loan ratio that credit risk becomes the biggest financial risk of our country 我国商业银行尤其是国有银行信贷资产质量低下，不良贷款比率一直居高不下，银行信用风险成为我国金融风险的最大隐患。
As for china , in the past the government had been over - protecting domestic banks and there was no probability for them to exit , saying nothing of the withdrawal system 我国以前实施计划经济体制,资金长期严重短缺,使我国银行业长期以来一直成为最受保护的行业,以国家信用代替了银行信用,银行根本没有退出之虞。
On the basis of analyzing credit risk , the dissertation establishes index system of credit risk evaluation . the analytical hierarchy process ( ahp ) method and fuzzy evaluation method are used 在对银行信用风险分析的基础上，建立了信用风险评价的指标体系，并运用层次分析法与模糊评判的方法进行信用风险评价。
Credit risk evaluation system evaluates the actuality of the bank , which is the fondation of the credit risk manage and makes gist for early warning system and the inner control system 信用风险评价是针对银行信用风险现状进行评价的，是整个信用风险管理系统的基础，为后面的信用风险预警和内部控制提供了一个可靠的依据。
On the organization frameworks of credit risks of the bank , have absorbed the foreign outstanding achievement , combine era characteristic and current situation of china , and carry on to their supplementary and perfectly 在银行信用风险的组织架构上，吸收了国外的优秀成果，结合时代特点及中国的现状，对其进行了补充和完善。
Its registered capital is 1 . 68 million yuan in1972 , and currrent fixed capital is 14 million yuan , and the gross annual value is 10 million yuan . the bank credit grade is a . our company h as good leader team 公司注册资金19 72年168万元，现拥有固定资产1400万元， 1999年实现总产值1000万元，创利税125万元，银行信用等级为a级。
Joint hand with dbs bank to provide extra benefits to its customers . all dbs bank s credit cards owners and compass visa card holders will enjoy 3 rebate for every time they pay for the on - line leisure link service via esd 现跟道亨银行合作，让所有道亨银行信用咭及compass visa咭客户本年内每次于网上缴付场租时，可享有3回赠，等同于减低场租的费用。
In this part , it utilizes the monte carlo simulation to solve the problem and empirically analyzes and probes into the applications of the two models to the credit risk management of the commercial banks , and compares 本章利用montecarlo随机模拟的方法，以实例的形式对违约模型和creditmetrics模型在银行信用风险管理中的应用作了分析探讨与比较研究。
Commercial banks are special enterprises who operate the credits and money . one key factor which affect the economy is the bank credit system . so economic risks are mainly displayed through the commercial bank credit risk 商业银行是经营货币与信用的特殊企业，以银行信用为主导的信用制度已成为左右经济的关键因素，而经济中的风险也就通过银行信用风险集中表现出来。
