商业银行的信用评分步骤--外文翻译.docxVIP

英文原文： A credit HYPERLINK F:\\学习\\毕业论文\\毕业论文\\翻译\\ScienceDirect - Socio-Economic Planning Sciences A credit scoring approach for the commercial banking sector.htm \l hit2#hit2 scoring approach for the commercial HYPERLINK F:\\学习\\毕业论文\\毕业论文\\翻译\\ScienceDirect - Socio-Economic Planning Sciences A credit scoring approach for the commercial banking sector.htm \l hit3#hit3 banking sector Ahmet Burak Emel, Arnold Reisman and Reha Yolalan Yapi Kredi Bank, Levent, 80620, Istanbul, Turkey. The Graduate School of Management, Sabanci University, Istanbul, Turkey Available online 15 March 2007 The economic and, therefore, the social well-being of developing countries with fairly privatized economies is highly dependent on the behavior of a countrys commercial banking sector. Banks provide credit to sustain anufacturing, agricultural, commercial and service enterprises. These, in turn, provide jobs thus enhancing purchasing power, consumption, and savings. Bank failures, especially in such settings, send shockwaves affecting the social fabric of the country as a whole and, as experienced recently, (Latin America and Asia) have the potential of a quick global impact. Thus, it is imperative that lending/credit decisions are made as prudently as possible while keeping the decision making process both efficient and effective. Commercial banks provide financial products and services to clients while managing a set of multi-dimensional risks associated with liquidity, capital adequacy, credit, interest and foreign exchange rates, operating and sovereign risks, etc. In this sense, banks may be considered to be “risk machines”. They take risks, and transform or embed such risks to provide products and services. Banks are also “profit-seeking” organizations basically formed to make money for shareholders. In their typical decision-making processes (i.e. pricing, lending, funding, hedging, etc.), they try to optimize their “risk-