Because of the information asymmetry and the credit ration, it’s difficult for SMEs to get bank loan.

由于存在严重的信息不对称,中小企业往往受信贷配给所累,银行信贷渠道并不畅通。

In addition, it is more difficult for companies with qualified opinion to obtain bank loan in the regions with light government intervention into the market than in the regions with heavy government intervention.

本文还发现,获得非标意见的企业在政府干预弱的地区比在政府干预强的地区更不易获得银行借款。

At the end, a typical application example - DAA used in bank loan scenario is presented. The scenarios of building model by analysts and applying model by customers are illustrated.

最后给出一个典型的应用实例,即DAA在银行贷款系统的应用,包括分析人员进行建模和客户应用模型两个方面。