5Altman, E. I. ,Financial ratios, discriminant analysis and the prediction of corporate bankruptcy. The Journal of Finance, 23, 1968,pp. 589--609.
6Altman, E. I. et al. , Zeta analysis, a new model to identify bankruptcy risk of corporates. The Journal of Banking and Finance ,1, 1977 , pp. 29--51.
7Horton, J. J. Statistical Classification of Municipal Bonds. Journal of Bank Research, 1,1970,pp. 29 - 40.
8Pinches, G. E. and Mingo, K. A. ,A Multivariate Analysis of Industrial Bond Ratings. Journal of Finance, March 1973, pp. 1--18.
9Pinches, G. E. and Mingo, K. A. ,The Role of Subordination and Industrial Bond Ratings. Journal of Finance ,March, 1, 1975,pp. 201 206.
10Pogue, T. F. and Soldofsky, R. M. ,What's in a Bond Rating? Journal of Financial and Quantitative Analysis ,June,2, 1969,pp. 201-228.
9Altman E. Financial Ratios,Discriminant Analysis and the Prediction of Corporate Bankruptcy[J].Journal of Finance, 1968,23(1):589-610.
10Harmer M. Failure Prediction: Sensitivity of Classification Accuracy to Alternative Statistical Methods and Variable Sets[J].Journal of Accounting and Public Policy, 1983,2(1): 289-307.
5Kurbat M, Korbalev I. Methodology for testing the level of the EDF credit measure[ Z]. White Paper, Moody' s KMV, 2002.
6Crosbie P, Bohn J. Modeling default risk[Z]. White Paper, Moody's KMV, 2003.
7Dwyer D, Korablev I. Power and level validation of Moody' s KMV EDF credit measures in North America, Eu- rope and Asia[Z]. White Paper, Moody's KMV, 2007.
8Ahman E I. Financial ratios, discriminant analysis and the prediction of corporate bankruptcy[ J]. The journal of finance, 1968, 23(4) : 589 -609.
9Beaver W H. Financial ratios as predictors of failure [ J]. Journal of Accounting Research ( Supplement), 1966 (41): 71-111.
10Ohlson J A. Financial ratios and the probabilistic prediction of bankruptcy[J]. Journal of accounting research, 1980, 18(1): 109-131.