第四章“对改进我国商业银行内部信用评级系统的策略探讨”。
The fourth chapter is about "strategies on improving internal credit rating system in commercial bank of China".
本文利用排序多元离散选择模型，结合实际数据，对中国银行的客户信用评级系统进行了检验。
This paper USES ordered multivariable discrete choice model and practical data to test the client credit grading system of Bank of China.
问题在于这种排除了人为因素的系统一旦模型失效，一旦公司的信用评级受到质疑，那么一切都不可信了。
The problem with an impersonal system is that when the models fail, and when companies’ ratings become suspect, everything is called into question.
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