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Commercial Bank’s Decision-making Risk on Credit Invests

2010· article· en· W1847011148 on OpenAlexvenueno aff
Yan-ru Wan, Jia Huang

Bibliographic record

VenueCross-cultural communication · 2010
Typearticle
Languageen
FieldBusiness, Management and Accounting
TopicFinancial Distress and Bankruptcy Prediction
Canadian institutionsnot available
Fundersnot available
KeywordsCredit riskBusinessEconomicsWelfare economicsPolitical scienceActuarial science

Abstract

fetched live from OpenAlex

Based on 300 listed companies report data classification and analysis, founding canonical discriminated function, and through empirical analysis, the test results indicate canonical discriminated function of the Chinese banking market discriminated validity of the credit of enterprises, for the investment banks to provide constructive recommendations and sensible way to evade credit risk, is also conducive to an accurate evaluation of the credit situation. Key words: Commercial banks, Credit risk investment decision, Function Resume: L’article present procede a l’etude des risques de decision dans l’investissement du credit. L’auteur classe, analyse, avec la theorie de la statistique, les donnees de l’annuaire de 300 societes cotees et en construit la function de discrimination typique. Le resultat montre que la fonction de discrimination typique joue un certain role pour les banques commerciales dans l’appreciation du credit des entreprises. Elle peut fournir des conseils constructifs pour la decision d’investissement des banques, aide a eviter raisonnablement les risques de decision dans l’investissement du credit et a juger correctement le credit d’une entreprise. Mots-cles: banques commerciales, risques de decision dans l’investissement du credit, fonction 摘 要: 本文通過對現行信貸投資決策風險進行分析,運用統計學理論對300 家上市公司的年報資料進行歸 類、分析,建立典型判別函數,經過實證分析,檢驗結果顯示典型判別函數在商業銀行判別企業信用時具有 一定的效用,能夠為銀行的投資決策提供建設性的建議,理智地回避信貸投資決策風險,同時也有利於銀行 準確地評價一個企業的信用情況。 關鍵詞: 商業銀行;信貸投資決策風險;函數

Fetched live from OpenAlex and de-inverted. Abstracts are not stored in this database: the inverted indexes are 8.6 GB of the frame’s 9.3 GB of text, and the host has 13 GB free.

How this classification was reachedexpand

Full frame distilled prediction

Teacher imitation

Not calibrated prevalence, not ground truth. Human validation pending. Learned from the 10,348 direct Codex labels and 10,348 direct Gemma labels. Candidate is the union of thresholded teacher heads; consensus is their intersection. These outputs are machine_predicted_unvalidated and are not human labels or direct frontier model labels.

metaresearch head score (Codex)0.000
metaresearch head score (Gemma)0.001
Version: codex-gemma-dda1882f352aValidation status: machine_predicted_unvalidated
Candidate categoriesScience and technology studies, Scholarly communication
Consensus categoriesnone
DomainCandidate signal: none · Consensus signal: none
Study designCandidate signal: Observational · Consensus signal: none
GenreCandidate signal: Empirical · Consensus signal: Empirical
Teacher disagreement score0.631
Threshold uncertainty score1.000

Codex and Gemma teacher scores by category

CategoryCodexGemma
Metaresearch0.0000.001
Meta-epidemiology (narrow)0.0000.000
Meta-epidemiology (broad)0.0000.000
Bibliometrics0.0000.000
Science and technology studies0.0010.000
Scholarly communication0.0010.002
Open science0.0010.000
Research integrity0.0000.001
Insufficient payload (model declined to judge)0.0000.001

Machine scores (provisional)

The two teacher heads of the student model, read on this work. A score orders the frame for review; it never asserts a category, and the validation status ships verbatim with every row.

Baseline scores from an immature model (maturity gate not passed, 7 training rounds). Scores rank; they never assert a category.

Opus teacher head0.018
GPT teacher head0.303
Teacher spread0.285 · how far apart the two teachers sit on this one work
Validation statusscore_only:v0-immature-baseline · verbatim from the scoring run: score_only means the number may rank works, and no category label ships from it

Classification

machine, unvalidated

Machine predicted; a candidate call from one teacher head, not a consensus.

Study designObservational
Domainnot available
GenreEmpirical

How this classification was reached, model by model and score by score, is at the end of the page under "How this classification was reached".

Quick stats

Citations0
Published2010
Admission routes1
Has abstractyes

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