{"id":931,"date":"2021-06-04T11:10:35","date_gmt":"2021-06-04T03:10:35","guid":{"rendered":"https:\/\/falbang.com\/?p=931"},"modified":"2021-06-04T11:10:36","modified_gmt":"2021-06-04T03:10:36","slug":"%e6%b7%b1%e5%ba%a6%ef%bc%9a%e5%a6%82%e4%bd%95%e9%a2%84%e6%b5%8b%e8%b4%b7%e6%ac%be%e8%a1%8c%e4%b8%ba%e4%b8%8e%e5%bb%ba%e7%ab%8b%e7%8e%b0%e9%87%91%e6%b5%81%e9%87%8f%e5%bc%95%e6%93%8e","status":"publish","type":"post","link":"https:\/\/falbang.com\/?p=931","title":{"rendered":"\u6df1\u5ea6\uff1a\u5982\u4f55\u9884\u6d4b\u8d37\u6b3e\u884c\u4e3a\u4e0e\u5efa\u7acb\u73b0\u91d1\u6d41\u91cf\u5f15\u64ce"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote\"><p>\u5173\u6ce8\u201c<span class=\"has-inline-color has-vivid-cyan-blue-color\">\u91d1\u79d1\u5e94\u7528\u7814\u9662<\/span>\u201d\uff0c\u56de\u590d\u201c<span class=\"has-inline-color 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class=\"has-inline-color has-vivid-cyan-blue-color\">\u5bf9\u4e8e\u91d1\u878d\u673a\u6784\u8d37\u6b3e\u7ec4\u5408\u7684\u6709\u9650\u90e8\u5206\uff0c\u6211\u4eec\u671f\u671b\u7684\u8fd8\u6b3e\u548c\u73b0\u91d1\u6d41\u91cf\u662f\u4ec0\u4e48\u6837\u7684\uff1f<\/span><\/em><\/p>\n\n\n\n<p>\u6700\u521d\uff0c\u5bf9\u8fd9\u4e2a\u95ee\u9898\u7684\u89e3\u51b3\u65b9\u6848\u662f\u4f7f\u7528\u5386\u53f2\u6570\u636e\u5bf9\u6bcf\u4e2a\u5207\u7247\u7684\u9010\u6708\u9884\u4ed8\u6b3e\uff08\u63d0\u524d\u507f\u8fd8\u8d37\u6b3e\uff09\u548c\u635f\u5931\u8fdb\u884c\u5efa\u6a21\u3002\u8fd9\u4e9b\u5206\u5c42\u5c06\u8d37\u6b3e\u5206\u6210\u4e0d\u540c\u7684\u4fe1\u7528\u7b49\u7ea7\u3001APR \u8303\u56f4\u548c\u671f\u9650\u957f\u5ea6\uff0c\u5c06\u7ed9\u5b9a\u5206\u5c42\u7ec4\u5185\u7684\u6240\u6709\u8d37\u6b3e\u89c6\u4e3a\u540c\u8d28\u7684\uff08\u7c7b\u4f3c\u8d44\u4ea7\u5206\u6c60\uff09\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"942\" src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/1-3-1024x942.png\" alt=\"\" class=\"wp-image-932\" srcset=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/1-3-1024x942.png 1024w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/1-3-300x276.png 300w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/1-3-768x707.png 768w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/1-3-200x184.png 200w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/1-3.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><span class=\"has-inline-color has-cyan-bluish-gray-color\">\u56fe 1\uff1a\u5207\u7247\u548c\u635f\u5931\u66f2\u7ebf\u7684\u793a\u4f8b\u3002\u66f2\u7ebf\u663e\u793a\u4e86\u6bcf\u4e2a\u8c61\u9650\u5b9a\u4e49\u7684\u8d37\u6b3e\u7684\u6bcf\u6708\u635f\u5931\u7684\u672c\u91d1\u7684\u9884\u671f\u6bd4\u4f8b<\/span><\/p>\n\n\n\n<p>\u968f\u7740\u91d1\u878d\u673a\u6784\u65e5\u76ca\u590d\u6742\u7684\u8d37\u6b3e\u7ec4\u5408\uff0c\u9700\u8981\u66f4\u51c6\u786e\u7684\u9884\u6d4b\u8fd8\u6b3e\u3002\u9884\u6d4b\u6a21\u578b\u9700\u8981\u5904\u7406\u8d8a\u6765\u8d8a\u591a\u7684\u7ef4\u5ea6\u6765\u533a\u5206\u5355\u7b14\u8d37\u6b3e\u7684\u540e\u7eed\u8868\u73b0\u3002<\/p>\n\n\n\n<p>\u7531\u4e8e\u4e4b\u524d\u7684\u6a21\u578b\u5c06\u6211\u4eec\u9650\u5236\u4e3a\u6709\u9650\u7684\u8d37\u6b3e\u5206\u5c42\u96c6\uff0c\u56e0\u6b64\u5bf9\u4e8e\u4e00\u7b14\u8d37\u6b3e\u662f\u4efb\u610f\u7684\u3001\u66f4\u590d\u6742\u7684\u5b9e\u9645\u60c5\u51b5\u5df2\u7ecf\u4e0d\u80fd\u6ee1\u8db3\u3002\u8003\u8651\u5230\u8fd9\u4e00\u70b9\uff0c\u53ef\u4ee5\u5c06\u95ee\u9898\u91cd\u65b0\u5b9a\u4e49\u4e3a\uff1a<\/p>\n\n\n\n<p><em><span class=\"has-inline-color has-vivid-cyan-blue-color\">\u91d1\u878d\u673a\u6784\u671f\u671b\u7684\u4e00\u7b14\u8d37\u6b3e\u7684\u8fd8\u6b3e\u548c\u73b0\u91d1\u6d41\u91cf\u662f\u4ec0\u4e48\u6837\u7684\uff1f<\/span><\/em><\/p>\n\n\n\n<p>\u901a\u8fc7\u6784\u5efa\u8d37\u6b3e\u8f6c\u6362\u6a21\u578b\uff08Loan Transition Model,LTM\uff09\uff0c\u5e76\u4e0e\u73b0\u91d1\u6d41\u5f15\u64ce\u6a21\u578b\u534f\u540c\u5de5\u4f5c\uff0c\u4f7f\u91d1\u878d\u673a\u6784\u80fd\u591f\u8ba1\u7b97\u4efb\u610f\u4e00\u7ec4\u8d37\u6b3e\u7684\u603b\u6d88\u8d39\u8005\u8fd8\u6b3e\u989d\uff0c\u8fdb\u800c\u53ef\u4ee5\u89e3\u51b3\u91d1\u878d\u673a\u6784\u8d37\u6b3e\u7ec4\u5408\u4e2d\u7684\u6bcf\u4e00\u7b14\u8d37\u6b3e\u7684\u4e0a\u8ff0\u95ee\u9898\u3002<\/p>\n\n\n\n<p>LTM\u8d1f\u8d23\u5bf9\u4e0d\u540c\u62d6\u6b20\u72b6\u6001\u4e4b\u95f4\u7684\u9010\u6708\u8f6c\u6362\u6982\u7387\u8fdb\u884c\u5efa\u6a21\uff0c\u800c\u73b0\u91d1\u6d41\u5f15\u64ce\u6a21\u578b\u5c06\u8d37\u6b3e\u644a\u9500\u903b\u8f91\u5e94\u7528\u4e8e\u6d88\u8d39\u8005\u7684\u8fd8\u6b3e\u884c\u4e3a\uff0c\u4ee5\u8ba1\u7b97\u8fd8\u6b3e\u52a8\u6001\u7684\u5404\u4e2a\u65b9\u9762\uff0c\u4f8b\u5982\u672c\u91d1\u548c\u5229\u606f\u8fd8\u6b3e\u4e4b\u95f4\u7684\u5206\u914d\u3002\u63a5\u4e0b\u6765\uff0c\u6211\u5c06\u6df1\u5165\u4e3a\u8bfb\u8005\u670b\u53cb\u4eec\u4ecb\u7ecd\u63a2\u8ba8\u8fd9\u4e24\u90e8\u5206\u3002<\/p>\n\n\n\n<h1><strong>\u4e09\u3001\u4f7f\u7528\u68af\u5ea6\u63d0\u5347\u51b3\u7b56\u6811\u5bf9\u8d37\u6b3e\u8f6c\u6362\u8fdb\u884c\u5efa\u6a21<\/strong><\/h1>\n\n\n\n<p>\u5728\u4ecb\u7ecdLTM\u6a21\u578b\u9884\u6d4b\u8d37\u6b3e\u884c\u4e3a\u4e4b\u524d\uff0c\u6211\u5148\u4e3a\u5927\u5bb6\u79d1\u666e\u4e00\u4e0b\u8fd8\u6b3e\u884c\u4e3a\u76f8\u5173\u7684\u6982\u5ff5\u3002<\/p>\n\n\n\n<p>\u8d37\u6b3e\u884c\u4e3a\u662f\u6307\u8d37\u6b3e\u4ece\u53d1\u8d77\u4e4b\u65e5\u5230\u5168\u989d\u507f\u8fd8\u6216\u6ce8\u9500\u4e4b\u65e5\u6240\u7ecf\u5386\u7684\u8fc7\u7a0b\u3002\u5982\u4e0b\u56fe\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"587\" src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/3-2-1024x587.png\" alt=\"\" class=\"wp-image-933\" srcset=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/3-2-1024x587.png 1024w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/3-2-300x172.png 300w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/3-2-768x440.png 768w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/3-2-200x115.png 200w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/3-2.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Current\uff1a\u7528\u6237\u5df2\u7ecf\u5b8c\u6210\u4e86\u8fc4\u4eca\u4e3a\u6b62\u6240\u9700\u7684\u6240\u6709\u4ed8\u6b3e\uff0c\u8fd9\u4e5f\u662f\u65b0\u53d1\u653e\u8d37\u6b3e\u7684\u521d\u59cb\u72b6\u6001<\/p>\n\n\n\n<p>dq(n-m)\uff1a\u7528\u6237\u9519\u8fc7\u4e86\u4ed8\u6b3e\uff0c\u5e76\u4e14\u5ef6\u8fdf\u4e86n\u5230m\u5929<\/p>\n\n\n\n<p>charged off\uff1a\u6838\u9500\/\u51b2\u9500\uff0c\u7528\u6237\u5ef6\u8fdf\u4ed8\u6b3e\u8d85\u8fc7180\u5929\uff0c\u6b64\u65f6\u6211\u4eec\u5047\u8bbe\u8be5\u8d37\u6b3e\u51fa\u73b0\u635f\u5931\u3002\u8fd9\u662f\u4e00\u4e2a\u7ec8\u7ed3\u72b6\u6001Paid off\uff1a\u8d37\u6b3e\u5df2\u5168\u90e8\u8fd8\u6e05\u3002\u8fd9\u662f\u4e00\u4e2a\u7ec8\u7ed3\u72b6\u6001<\/p>\n\n\n\n<p>LTM\u6a21\u578b\u5982\u4e0b\uff1a<br><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"103\" src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/4-2-1024x103.png\" alt=\"\" class=\"wp-image-934\" srcset=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/4-2-1024x103.png 1024w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/4-2-300x30.png 300w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/4-2-768x78.png 768w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/4-2-200x20.png 200w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/4-2.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><span class=\"has-inline-color has-cyan-bluish-gray-color\">\u8868 1\uff1a6\u4e2a\u6708\u8d37\u6b3e\u7684\u72b6\u6001<\/span><\/p>\n\n\n\n<p>\u5efa\u7acbLTM\u9884\u6d4b\u524d\uff0c\u9700\u8981\u8bbe\u5b9a\u4e00\u4e9b\u5047\u8bbe\u6761\u4ef6\uff1a<\/p>\n\n\n\n<ol><li>\u65f6\u95f4\u6b65\u957f\u5355\u4f4d\u9009\u53d6\u6708\u5ea6\uff0c\u5373\u5bf9\u9010\u6708\u53d1\u751f\u7684\u8d37\u6b3e\u72b6\u6001\u8f6c\u6362\u8fdb\u884c\u5efa\u6a21\uff1b<\/li><li>\u672a\u6765\u8f6c\u6362\u5230\u4e0d\u540c\u72b6\u6001\u7684\u6982\u7387\u4ec5\u53d6\u51b3\u4e8e\u5f53\u524d\u72b6\u6001\uff0c\u800c\u4e0d\u53d6\u51b3\u4e8e\u5b83\u4e4b\u524d\u7684\u72b6\u6001\u5e8f\u5217\uff08\u9a6c\u5c14\u53ef\u592b\u6027\u8d28\uff09\u3002<\/li><\/ol>\n\n\n\n<p>\u7efc\u4e0a\uff0cLTM\u9884\u6d4b\u7ed9\u5b9a\u8d37\u6b3e\u5728\u7ed9\u5b9a\u653e\u6b3e\u6708\u4efd\u7684\u72b6\u6001\u8f6c\u6362\u6982\u7387\u3002<\/p>\n\n\n\n<p>\u4f5c\u4e3a\u6a21\u578b\u7684\u8f93\u5165\u7279\u5f81\u53ef\u4ee5\u5206\u4e3a\u81ea\u53d8\u91cf\u548c\u534f\u53d8\u91cf\u3002\u81ea\u53d8\u91cf\u7279\u5f81c\u63cf\u8ff0\u8d37\u6b3e\u672c\u8eab\uff0c\u5305\u62ec\u5206\u914d\u7ed9\u8d37\u6b3e\u7684\u4fe1\u7528\u8bc4\u5206\u3001\u8d37\u6b3e\u91d1\u989d\u548c\u671f\u9650\u957f\u5ea6\u7b49\u3002\u534f\u53d8\u91cf\u7279\u5f81\u56e0\u8d37\u6b3e\u72b6\u6001\u8f6c\u6362\u800c\u5f02\uff0c\u65e8\u5728\u63cf\u8ff0\u6bcf\u4e2a\u6708\u7684\u8d37\u6b3e\u72b6\u6001\u3002\u4e3b\u8981\u7684\u534f\u53d8\u91cf\u7279\u5f81\u662f\u8d37\u6b3e\u72b6\u6001s\u548c\u6708\u4efdt\u3002\u8be5\u6a21\u578b\u8f93\u51fa\u72b6\u6001\u7684\u6982\u7387s&#8217;\uff0c\u5728\u65f6\u95f4t&#8217; = t + 1\uff0c\u662f\u4e03\u4e2a\u53ef\u80fd\u7684\u8d37\u6b3e\u72b6\u6001\u4e2d\u7684\u6bcf\u4e00\u4e2a\u3002\u66f4\u6b63\u5f0f\u5730\u8bf4\uff0c\u5b83\u8bd5\u56fe\u9884\u6d4b\uff1a<\/p>\n\n\n\n<p>P(s\u2019 = S | c \u2229 s \u2229 t)\u00a0for S in {cur, dq1, dq31, dq61, dq91, co, po}<\/p>\n\n\n\n<p>LTM\u53ef\u4ee5\u751f\u6210\u4e00\u4e2a\u5982\u4e0b\u6240\u793a\u7684\u8f6c\u6362\u77e9\u9635\uff1a<br><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"421\" src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/5-3-1024x421.png\" alt=\"\" class=\"wp-image-935\" srcset=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/5-3-1024x421.png 1024w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/5-3-300x123.png 300w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/5-3-768x316.png 768w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/5-3-200x82.png 200w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/5-3.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u4f8b\u5982\uff0c\u5982\u679c\u5728\u65f6\u95f4t\uff0c\u8d37\u6b3e\u662f\u5f53\u524d\u7684\uff0c\u90a3\u4e48\u6a21\u578b\u9884\u6d4b\u8d37\u6b3e\u4e5f\u5c06\u5728\u65f6\u95f4t + 1\u662f\u5f53\u524d\u7684\uff0c\u6982\u7387\u4e3a 89.5%\u3002\u7531\u4e8e\u51b2\u9500\u548c\u4ed8\u6e05\u662f\u6700\u7ec8\u72b6\u6001\uff0c\u56e0\u6b64\u505c\u7559\u5728\u5176\u4e2d\u7684\u6982\u7387\u4e3a 100%\u3002<\/p>\n\n\n\n<p>\u8be5\u6a21\u578b\u672c\u8eab\u662f\u4e00\u4e2a\u68af\u5ea6\u63d0\u5347\u51b3\u7b56\u6811\uff0c\u5176\u4e2d\u6bcf\u4e2a\u7c7b\u4ee3\u8868\u4e00\u79cd\u53ef\u80fd\u7684\u8d37\u6b3e\u72b6\u6001\u3002\u7ecf\u8fc7\u4ee5\u6700\u5c0f\u5316\u4ea4\u53c9\u71b5\u6216\u591a\u7c7b\u5bf9\u6570\u635f\u5931\u7684\u6a21\u578b\u8bad\u7ec3\uff08\u9009\u62e9\u8fd9\u4e2a\u635f\u5931\u51fd\u6570\u662f\u56e0\u4e3a\u5c06\u6a21\u578b\u7684\u8f93\u51fa\u89e3\u91ca\u4e3a\u8d37\u6b3e\u72b6\u6001\u7684\u6982\u7387\u5206\u5e03\uff0c\u5982\u8f6c\u6362\u77e9\u9635\u6240\u793a\uff09\uff0c\u5bf9\u4e8e\u91d1\u878d\u673a\u6784\u5386\u53f2\u8bb0\u5f55\u4e2d\u7684\u6bcf\u7b14\u8d37\u6b3e\uff0c\u7528\u4e8e\u8bad\u7ec3\u6a21\u578b\u7684\u6570\u636e\u96c6\u6bcf\u4e2a\u89c2\u5bdf\u6708\u90fd\u6709\u4e00\u884c\u3002\u5355\u7b14\u8d37\u6b3e\u7684\u5355\u4e2a\u653e\u6b3e\u6708\u5982\u4e0b\u6240\u793a\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"351\" src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/6-2-1024x351.png\" alt=\"\" class=\"wp-image-936\" srcset=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/6-2-1024x351.png 1024w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/6-2-300x103.png 300w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/6-2-768x263.png 768w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/6-2-200x69.png 200w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/6-2.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><span class=\"has-inline-color has-cyan-bluish-gray-color\">\u88683\uff1a\u8d37\u6b3e\u72b6\u6001\u94fe\u7684\u6570\u636e\u96c6\u884c<\/span><\/p>\n\n\n\n<p>\u8fd9\u91cc\u8981\u6ce8\u610f\u7684\u4e00\u70b9\uff0c\u6708\u4efdt\u7684\u4e0b\u4e00\u4e2a\u72b6\u6001\u4e0e\u6708\u4efdt + 1\u7684\u5f53\u524d\u72b6\u6001\u76f8\u540c\u3002<\/p>\n\n\n\n<h1><strong>\u56db\u3001\u5c06LTM\u9884\u6d4b\u7684\u8f6c\u6362\u6982\u7387\u8f6c\u6362\u4e3a\u73b0\u91d1\u6d41\u91cf<\/strong><\/h1>\n\n\n\n<p>\u4e00\u65e6\u4e3a\u7ed9\u5b9a\u7684\u8d37\u6b3e\u8ba1\u7b97\u4e86\u4e00\u7ec4\u8f6c\u6362\u77e9\u9635\uff0c\u5bf9\u4e8e\u6bcf\u4e2a\u65f6\u95f4\u6708\u4efd\u6b65\u957f\uff0c\u6211\u4eec\u53ef\u4ee5\u4f7f\u7528\u73b0\u91d1\u6d41\u5f15\u64ce\u6765\u8ba1\u7b97\u8d37\u6b3e\u7684\u4e0d\u540c\u6708\u5ea6\u548c\u6574\u4f53\u4f30\u8ba1\uff0c\u4f8b\u5982\u652f\u4ed8\u7684\u5229\u606f\u3001\u652f\u4ed8\u7684\u672c\u91d1\u3001\u672c\u91d1\u9884\u4ed8\u6b3e\uff0c\u672c\u91d1\u51b2\u9500\u3002\u8fd9\u662f\u901a\u8fc7\u8fed\u4ee3 LTM \u7684\u8f6c\u6362\u77e9\u9635\u6765\u8ba1\u7b97\u6708\u5ea6\u6982\u7387\u52a0\u6743\u672c\u91d1\u4f59\u989d\u6765\u5b9e\u73b0\u7684\u3002<\/p>\n\n\n\n<p>\u63a5\u4e0b\u6765\uff0c\u901a\u8fc7\u4e00\u4e2a\u6848\u4f8b\u6765\u8bf4\u660e\u8fd9\u4e2a\u8fc7\u7a0b\u3002<\/p>\n\n\n\n<p>\u6848\u4f8b\uff1a\u8ddf\u8e2a\u4e00\u7b14100\u7f8e\u5143\u30010%\u5e74\u5229\u7387\u30013 \u4e2a\u6708\u8d37\u6b3e\u7684\u73b0\u91d1\u6d41\u91cf\u3002\u4ece\u521d\u59cb\u6982\u7387\u52a0\u6743\u672c\u91d1\u4f59\u989d\u5411\u91cf\uff08\u65f6\u95f4\u6b65\u957ft = 0\uff09\u5f00\u59cb\uff0c\u5176\u4e2d\u5305\u542b\u5f53\u524d\u72b6\u6001\u4e0b\u7684\u6240\u6709\u672c\u91d1100 \u7f8e\u5143\uff0c\u56e0\u4e3a\u8fd9\u662f\u6240\u6709\u8d37\u6b3e\u7684\u521d\u59cb\u72b6\u6001\u3002<br><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"110\" src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/7-2-1024x110.png\" alt=\"\" class=\"wp-image-937\" srcset=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/7-2-1024x110.png 1024w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/7-2-300x32.png 300w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/7-2-768x82.png 768w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/7-2-200x21.png 200w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/7-2.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u8868 4\uff1at=0\u7684\u6982\u7387\u52a0\u6743\u672c\u91d1\u4f59\u989d\u5411\u91cf<\/p>\n\n\n\n<p>\u7136\u540e\u5c06\u8be5\u5411\u91cf\u9010\u884c\u4e58\u4ee5t = 1\u8f6c\u6362\u7684\u8f6c\u6362\u77e9\u9635\uff0c\u8fd9\u770b\u8d77\u6765\u4e0e\u88682\u4e2d\u7684\u975e\u5e38\u76f8\u4f3c\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"306\" src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/8-1-1024x306.png\" alt=\"\" class=\"wp-image-938\" srcset=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/8-1-1024x306.png 1024w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/8-1-300x90.png 300w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/8-1-768x230.png 768w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/8-1-200x60.png 200w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/8-1.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><span class=\"has-inline-color has-cyan-bluish-gray-color\">\u8868 5\uff1a\u5c06\u521d\u59cb\u5411\u91cf\u4e58\u4ee5t=1\u8f6c\u6362\u77e9\u9635<\/span><\/p>\n\n\n\n<p>\u7ed3\u679c\u77e9\u9635\u6307\u5b9a\u4e86\u591a\u5c11\u6982\u7387\u52a0\u6743\u4e3b\u4f53\u5c06\u4ece\u6bcf\u4e2a\u5148\u524d\u72b6\u6001\u8f6c\u6362\u5230\u6bcf\u4e2a\u4e0b\u4e00\u4e2a\u72b6\u6001\u3002\u4f8b\u5982\uff0c\u6211\u4eec\u6709 $89.50 \u4ececurrent\u8f6c\u6362\u5230current\uff0c\u4ee3\u8868\u67d0\u4eba\u4ed8\u6b3e\uff0c\u800c $4.00 \u4ececurrent\u8f6c\u6362\u5230dq 1\u201330\uff0c\u4ee3\u8868\u67d0\u4eba\u9519\u8fc7\u4ed8\u6b3e\u3002<\/p>\n\n\n\n<p>\u4e0b\u4e00\u6b65\u662f\u786e\u5b9a\u5728\u6bcf\u4e2a\u72b6\u6001\u8f6c\u6362\u53d1\u751f\u540e\u5c06\u5269\u4f59\u591a\u5c11\u672c\u91d1\u3002\u4f8b\u5982\uff0c\u5982\u679c\u6211\u4eec\u4ececurrent\u8f6c\u6362\u5230current\uff0c\u8fd9\u610f\u5473\u7740\u7528\u6237\u5df2\u7ecf\u4ed8\u6b3e\uff0c\u5728\u672c\u4f8b\u4e2d\u4e3a 33.33 \u7f8e\u5143\uff0c\u56e0\u6b64\u5728\u6b64\u8f6c\u6362\u540e\u9700\u8981\u507f\u8fd8\u7684\u672c\u91d1\u91d1\u989d\u662f\u73b0\u6709\u91d1\u989d\u7684 0.6667\u3002\u5bf9\u4e8e\u5f53\u524d\u5230dq 1-30\u7684\u8fc7\u6e21\uff0c\u65e0\u9700\u4ed8\u6b3e\uff0c\u56e0\u6b64\u6211\u4eec\u5c06\u62e5\u6709\u73b0\u6709\u91d1\u989d\u7684 1.0\u3002\u8fd9\u4e9b\u672c\u91d1\u4f59\u989d\u8f6c\u6362\u88ab\u6355\u83b7\u5728\u6211\u4eec\u6240\u8bf4\u7684\u644a\u9500\u77e9\u9635\u4e2d\u3002\u4e0a\u4e00\u6b65\u4e2d\u7684\u77e9\u9635\u6309\u5143\u7d20\u4e58\u4ee5\u644a\u9500\u77e9\u9635\uff0c\u4ee5\u751f\u6210\u6bcf\u4e2a\u4ed8\u6b3e\u540e\u7684\u8f6c\u6362\u6982\u7387\u52a0\u6743\u77e9\u9635\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"416\" src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/9-1024x416.png\" alt=\"\" class=\"wp-image-939\" srcset=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/9-1024x416.png 1024w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/9-300x122.png 300w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/9-768x312.png 768w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/9-200x81.png 200w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/9.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u8868 6\uff1a\u4f7f\u7528\u644a\u9500\u77e9\u9635\u8c03\u6574\u652f\u4ed8\u7684\u6982\u7387\u52a0\u6743\u672c\u91d1\u4f59\u989d<\/p>\n\n\n\n<p>\u6700\u540e\uff0c\u6211\u4eec\u5bf9\u7ed3\u679c\u77e9\u9635\u8fdb\u884c\u5217\u5f0f\u6c42\u548c\u4ee5\u83b7\u5f97\u65f6\u95f4\u6b65\u957ft=1\u7684\u6982\u7387\u52a0\u6743\u4e3b\u5206\u5e03\u5411\u91cf\u3002\u5728\u8fd9\u79cd\u60c5\u51b5\u4e0b\uff0c\u6211\u4eec\u9884\u8ba1\u5f53\u524d\u72b6\u6001\u4e0b\u6982\u7387\u52a0\u6743\u4f59\u989d\u4e3a59.70\u7f8e\u5143\uff0ct=1\u65f6dq 1-30\u72b6\u6001\u4e0b\u6982\u7387\u52a0\u6743\u4f59\u989d\u4e3a 4.00\u7f8e\u5143\u3002\u8ba9\u6211\u4eec\u7ee7\u7eed\u8fdb\u884c\u53e6\u4e00\u6b21\u8fed\u4ee3\uff1a<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1024\" height=\"758\" src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/10-1-1024x758.png\" alt=\"\" class=\"wp-image-940\" srcset=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/10-1-1024x758.png 1024w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/10-1-300x222.png 300w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/10-1-768x568.png 768w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/10-1-200x148.png 200w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/10-1.png 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" 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class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"734\" height=\"816\" src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/11.png\" alt=\"\" class=\"wp-image-941\" srcset=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/11.png 734w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/11-270x300.png 270w, https:\/\/falbang.com\/wp-content\/uploads\/2021\/06\/11-180x200.png 180w\" sizes=\"(max-width: 734px) 100vw, 734px\" \/><\/figure>\n\n\n\n<p>\u56fe 3\uff1a\u6bd4\u8f83\u4e0d\u540c\u65b9\u6cd5\u4e4b\u95f4\u7684loss\/charge off\u66f2\u7ebf<\/p>\n\n\n\n<p>\u4ece\u6240\u505a\u7684\u9a8c\u8bc1\u6765\u770b\uff0c\u5f88\u660e\u663e\u57fa\u4e8e LTM \u548c\u73b0\u91d1\u6d41\u5f15\u64ce\u7684\u65b9\u6cd5\uff08ML_LTM \u548c LTMV1 \u66f2\u7ebf\uff09\u5728\u9884\u6d4b\u51b2\u9500\u65b9\u9762\u6bd4\u57fa\u4e8e\u5207\u7247\u7684\u65b9\u6cd5\uff08LEGACY_VAL 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m\u3002\u66f4\u91cd\u8981\u7684\u662f\uff0c\u6bcf\u4e2a\u8fc7\u6e21\u77e9\u9635\u8ba1\u7b97\u90fd\u8981\u6c42\u6211\u4eec\u4f7f\u7528\u8be5\u6a21\u578b\u8fdb\u884c\u4e94\u6b21\u9884\u6d4b\uff0c\u6bcf\u4e2a\u5148\u524d\u7684\u8d37\u6b3e\u72b6\u6001\u4e3a\u4e00\u6b21\u3002\u8fd9\u6837\u7684\u60c5\u666f\u4e0b\uff0c\u5728\u8fd0\u884c\u73b0\u91d1\u6d41\u5f15\u64ce\u65f6\uff0c\u6211\u4eec\u5b9e\u9645\u4e0a\u9700\u89815 * n * m \u6b21\u6a21\u578b\u9884\u6d4b\u3002<\/p>\n\n\n\n<p>\u5728\u91d1\u878d\u673a\u6784\u771f\u5b9e\u573a\u666f\u4e2d\uff0c\u6211\u4eec\u4f7f\u7528\u73b0\u91d1\u6d41\u5f15\u64ce\u8fd0\u884c\u7684\u6a21\u62df\u8bad\u7ec3\u5305\u542b\u6570\u4ebf\u7b14\u5408\u6210\u8d37\u6b3e\u3002\u5bf9\u4e8e\u957f\u8fbe 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Singla \u548c Benson Lee\uff0c\u6700\u521d\u63d0\u51fa LTM \u548c\u73b0\u91d1\u6d41\u5f15\u64ce\u3002<\/li><li>Adam Johnston\uff0cHossein Rahimi\uff0c\u5efa\u7acb\u57fa\u7840\u6280\u672f\u67b6\u6784\u3002<\/li><li>Wojtek Swiderski\uff0c\u65b9\u6848\u6700\u521d\u8bbe\u8ba1\u8005\u3002<\/li><\/ul>\n\n\n\n<p>\u5982\u679c\u4f60\u559c\u6b22\u3001\u60f3\u8981\u770b\u66f4\u591a\u7684\u5e72\u8d27\u7c7b\u578b\u7684\u6587\u7ae0\uff0c\u53ef\u4ee5\u5173\u6ce8\u516c\u4f17\u53f7\u3010\u91d1\u79d1\u5e94\u7528\u7814\u9662\u3011\u5e76\u8bbe\u4e3a\u661f\u6807\uff0c\u987a\u4fbf\u8f6c\u53d1\u5206\u4eab\uff5e<\/p>\n\n\n\n<p><br>\u611f\u8c22\u60a8\u770b\u5230\u8fd9\u91cc\u5fae\u4fe1\u516c\u4f17\u53f7\u3010\u91d1\u79d1\u5e94\u7528\u7814\u9662\u3011\u5bf9\u8bdd\u6846\u56de\u590d<strong>\u201c\u5c0f\u798f\u5229\u201d<\/strong>\uff0c\u9886\u53d6\u7c89\u4e1d\u4e13\u5c5e\u4f18\u60e0\u5238\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img src=\"https:\/\/falbang.com\/wp-content\/uploads\/2021\/04\/%E6%B5%8B%E8%AF%951.png\" alt=\"\" class=\"wp-image-725\"\/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>\u5173\u6ce8\u201c\u91d1\u79d1\u5e94\u7528\u7814\u9662\u201d\uff0c\u56de\u590d\u201c\u793c\u5305\u201d \u9886\u53d6\u98ce\u63a7\u8d44\u6599\u5408\u96c6 \u91d1\u878d\u673a\u6784\u7ef4\u6301\u4fe1\u8d37\u4e1a\u52a1\u7684\u7a33\u5b9a\u8fd0\u884c\uff0c\u53d6\u51b3\u4e8e\u662f\u5426\u80fd\u51c6\u786e\u8bc4\u4f30\u8d37\u6b3e &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/falbang.com\/?p=931\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> 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