Credit assessment is a very important but rather complicated process for commercial banks . from the past decades to nowadays, different schemes using simple financial ratios and many other statistical methods, such as logistical regression analysis, linear regression analysis, decision trees and so on, are used popularly by commercial banks all of the world 在國內,銀行對客戶的信用等級評定,還處在對企業(yè)的某些財務指標進行評價,而后加權平均確定的階段上,因此迫切需要引入更為科學的方法來確定有效指標,并建立準確的定量模型來解決信用評估問題。