7Michel Crouhy,Dan Galai,Robert Mark. A comparative analysis of current credit risk medels [J] .Journal of Banking &Finance, ,2000, (24 ) :66-69 .
8Bina Lehmann,Is It Worth the While? The Relevance of Quali- tative Information in Credit Rat- ing [ C ].EFMA 2003 Helsinki Meetings, 2003.
9Grunert J,Norden L,Weber M. The Role of Non-Financial Fac- tors in Internal Credit Ratings [R].Discussion Paper 3415,Centre for Economic Policy Research, London. 2003.
