Ứng dụng mô hình Logit nhằm nâng cao chất lượng xếp hạng tín dụng doanh nghiệp tại ngân hàng quốc tế chi nhánh Hoàn Kiếm - 14

Y

X2

X3

X4

X5

X6

X7

X8

X9

X10

X11

X12

X13

X14

X15

X16

Điểm

Hạng

1

0

1

0

5.2

1.2

0.2

1.5

0.7

5.8

12.03

0.2

0.1

0

12

4

3

70.9

BBB

2

1

1

0

3.8

1.4

0.3

1.4

1.8

6.7

15.14

0.3

0.1

0.1

12

6

3

85.3

AA

3

0

1

0

3.7

1.2

0.2

2.4

9.8

3.6

5.6

0.2

0.2

0.1

6

6

4

61

B

4

0

1

0

1.7

0.7

0

1.6

1.4

5.9

73.61

0.7

0.2

0.1

9

2

1

69

BB

5

0

0

0

-7.8

-7.8

-0.1

2.1

2.3

2.1

1.87

0.7

0.1

0.1

21

13

2

55.7

CC

6

0

1

0

1.6

1.6

0.1

1.2

1.1

8.9

0.25

0.7

0.4

0.1

22

14

3

64

B

7

0

1

0

2

1.6

0.3

1.2

9.5

56

36.2

0.5

0

0

12

2

1

76.4

B

8

1

1

0

1.3

1.2

1

1

14

4.5

26.25

0.6

0.4

0.2

11

2

0

79.5

A

9

1

0

0

7.2

5.7

0.5

1.2

3.3

4.3

138.1

0.1

0.2

0.1

7

6

3

83.4

AA

10

0

0

0

2.9

1.9

0.4

2

5.5

3.6

39.3

0.3

0.2

0.1

13

2

0

79.1

B

11

1

0

1

2.1

0.8

0.1

2.3

3.6

6.5

35.87

0.4

0

0

14

2

1

86.3

AA

12

1

0

1

1.7

1

0

2.4

5.1

6.6

4.87

0.7

0.1

0

10

7

2

88.7

A

13

0

1

1

1

0.8

0.1

4.6

14

8.7

1.62

0

0.2

0.1

10

5

0

70.8

BBB

14

0

1

0

1.2

0.8

0.2

1.4

7

3.2

121.4

0.3

0.1

0

10

6

6

76.1

B

15

1

0

0

3.5

2.5

0.2

2

7

3.2

121.4

0.3

0.1

0

11

10

3

84.5

AA

16

1

0

1

0.4

0.4

0.3

4.3

24

37

19.97

0.8

0.2

0

13

7

2

80.6

AA

17

0

0

0

1.2

0.5

0

2.1

3.5

4.9

18.78

0.8

0.1

0

5

3

2

78.9

B

18

1

0

0

1.9

0.8

0.2

2.6

5.4

8.2

4.75

0.3

0.2

0.1

10

7

6

89.4

AA

19

1

0

1

2.2

1.3

0.5

1.7

4

4.8

49.92

0.5

0.1

0

11

6

0

80.3

AA

20

1

1

1

1.7

1.7

0.8

0.8

1.7

2.6

2.36

0.6

0

0

3

1

0

79.6

A

21

0

0

0

1.3

0.8

0.2

4.4

11

11

50.03

0.7

0.2

0

13

13

6

79.4

B

22

1

0

0

1.7

1

0.3

3.2

5.7

8.3

2840

0.5

0.2

0.1

10

8

8

83.9

AA

23

1

0

0

1.2

0.9

0

1.1

3.6

2.7

273.6

0.5

0.2

0.1

15

9

6

80.4

AA

24

1

0

1

1.6

1

0.1

2.8

6.8

5.5

20.86

0.6

0

0

5

7

3

81.6

AA

25

0

0

0

1

0.6

0.2

4.4

7.6

14

0.57

0.6

0

0

15

3

3

63.5

B

26

0

1

0

1.9

0.4

0

3.9

4.5

19

55.68

0.5

0.3

0.1

33

17

7

78.5

B

27

1

0

0

1.3

0.9

0.2

6

13

12

180.9

0.7

0.6

0.2

12

4

4

84.8

AA

28

1

0

0

1.3

0.6

0.2

2.6

5.5

6.1

6.46

0.5

0.2

0.1

20

6

0

83.4

AA

29

1

1

0

1.1

1

0.4

3

30

39

15.3

0.6

0.3

0.3

11

11

6

84.2

AA

30

0

1

0

3

2.6

0.3

1

5.7

11

0.82

0.3

0.1

0

10

4

4

74

BBB

31

1

0

0

1.7

0.3

0.1

2.5

2.1

26

31.58

0.6

0.5

0.2

9

4

1

81.3

AA

32

1

0

0

1.2

0.6

0.2

3.6

7

9.6

67.3

0.8

0.7

0.2

15

7

6

86.5

AA

33

1

0

0

1.7

0.7

0.1

3.3

4.5

9.8

21.69

0.5

0.5

0.2

6

5

5

82.5

AA

34

1

0

0

1.1

0.7

0

4.1

7.2

8

5.87

0.6

0.2

0.1

10

9

6

85.4

AA

35

0

0

1

1

0.7

0.2

4.6

11

9.5

1.62

0.6

0.2

0.1

1

1

1

75.8

B

36

1

0

0

1.9

1.2

0.1

6.4

13

13

154.5

0.5

0.5

0.2

9

10

2

87.8

AA