Research Of Water Environment Ecological Risk Based On Pollution Footprints Theory

Internet banking has become a national topic. With a large Internet-based financial data and mobile Internet technology, Internet banking provide low-cost and highly efficient financial services for both supply and demand of the funds. Including P2P lending, the premier core of Internet banking is how to control risk. Risk management is a core issue of financial management. Credit risk is the most important issue of the risk management, is the kind of financial risks which Internet banking and credit companies have to face, and with the expansion of credit transactions, credit risk is growing. Therefore, the innovation for the credit risk assessment methods has important significance.This article uses method which combines standard research with empirical research to condute in-depth study on credit risk assessment method which is the most important part in credit risks management. This paper analyzes the different characteristics of credit risk assessment methods, points out shortcomings of existing assessment model,and proposes the basic idea of using logistic model with constrained to assess the credit risk. The main contents are the following four parts:Firstly, introduce the concept of credit risk. Credit risk is the risk that a counterparty (such as the borrower, debt issuers, etc.) directly default or decline in the credit quality which lead to the possibility of damage to the value of the credit assets.lt is a widespread financial risks.Then outlines the basic idea of credit risk assessment. Credit score can be divided into two different levels of score.The first level is to solve the problem of "Yes" or "No".It is the most basic credit score,used to set the threshold of whether to approve the credit application.In other words,credit scoring model has at least one function that simply determine whether an applicant should be accepted. The second level is the segmentation problem,the persuit of separation index at mathematical, in order to maximize the difference between the sample.For credit institutions,a mathematical model need to establish such functions,that the exclusion of the best and worst of the applicant crowd,the applicant for the gray areas, are conducted almost continuous subdivision in accordance with its default rate threshold.Thirdly,under the guidance of the basic idea of credit risk assessment, introduces several common models and summarize the advantages and disadvantages of each model.The last part is the focus of this article, this part of the study commenced in two major areas:on the one hand, on the basic of the introduction of traditional logistic regression model based principles, adding constraints, build a " constrained logistic model," and the two models were established score formula described evaluation model; other hand, the empirical study compare the two models, the results of the two models detailed analysis and description. Compared with the traditional logistic model, constrained logistic model has been improved the problem of collinearity and verfitting.