riable meaning in English

可信赖的

After following - up investigation and comparison , we found the trend that the credit risk comparison between the domestic evaluation methods and the foreign ones that the m ethods of foreign credit risk analysis have changed from financial ratio grading to multi - va riable and dynamic analysis based on capital market theory and computer information scie nee , but nowadays almost all banks in china evaluate credit risks by the methods of risk de gree computation which lack quantitive analysis
通过对国内外评估方法的跟踪、比较，发现国外信用风险分析方法已经从主观判断分析方法和传统的财务比率评分法转向以多变量、依赖于资本市场理论和计算机信息科学的动态计量分析方法为主的趋势发展。而目前我国银行机构主要使用计算信贷风险度的方法进行信用风险评估，缺乏定量分析，衍生工具、表外资产的信用风险已及信用集中风险的评估尚属空白，更没有集多种技术于一体的动态量化的信用风险管理技术。