对商业银行和金融机构来说,由于与错误决策相关的高水平风险,信用风险评估和识别的决策制定是非常重要和困难的。目前,商业银行所面临的风险主要是破产企业的数量增加、更有竞争力的贷款差价的扩大,以及为了控制这些风险而产生的不断增加的成本,因此,银行业正积极开发更精确的 For commercial banks and financial institutions, the decision-making of credit risk assessment and identification is very important and difficult due to the high level of risk associated with wrong decisions. At present, the risks faced by commercial banks are mainly the increase in the number of bankruptcies, the expansion of more competitive loan spreads, and the ever-increasing costs incurred in order to control these risks. As a result, the banking industry is actively developing more accurate