Скачать книгу - Developing, Validating and Using Internal Ratings
This book provides a thorough analysis of internal rating systems. Two case studies are devoted to building and validating statistical-based models for borrowers’ ratings, using SPSS-PASW and SAS statistical packages. Mainstream approaches to building and validating models for assigning counterpart ratings to small and medium enterprises are discussed, together with their implications on lending strategy. Key Features: • Presents an accessible framework for bank managers, students and quantitative analysts, combining strategic issues, management needs, regulatory requirements and statistical bases. • Discusses available methodologies to build, validate and use internal rate models. • Demonstrates how to use statistical packages for building statistical-based credit rating systems. • Evaluates sources of model risks and strategic risks when using statistical-based rating systems in lending. This book will prove to be of great value to bank managers, credit and loan officers, quantitative analysts and advanced students on credit risk management courses.


Photoshop CS2 Raw: Using Adobe Camera Raw, Bridge, and Photoshop to Get the Most Out of Your Digital Camera Photoshop CS2 Raw: Using Adobe Camera Raw, Bridge, and Photoshop to Get the Most Out of Your Digital Camera

Автор: Aaland Mikkel

Год издания: 

The RAW file format is the uncompressed data file captured by a digital camera's electronic sensor. When your camera saves an image in RAW format, settings like white balance, sharpening, contrast and saturation are not applied to the image but are saved instead in a separate header. Because RAW files remain virtually untouched by in-camera processing, they are essentially the digital equivalent to exposed but undeveloped film. This makes RAW an increasingly popular format with amateur and professional digital photographers, because it affords greater flexibility and control during the editing process-if you know how to work with RAW files. Most digital camera manufacturers supply their own software for converting RAW data, as do some third party vendors. Increasingly, however, the RAW converter of choice is a plug-in included in the latest version of Adobe Photoshop, the most popular and widely-used digital image editing tool in the world. Adobe Photoshop CS2 is emerging as the best place to edit RAW images, and the best way to master this new format is with Photoshop CS2 RAW. An important book dedicated to working with RAW in Photoshop, this comprehensive guide features a unique design that helps readers grasp the subject through visual instruction and prompts. The entire RAW process is explored, from shooting to using the Adobe plug-in converter and new Bridge navigation software. The primary focus of Photoshop RAW is, as the title suggests, Photoshop editing technique: automating RAW workflow, correcting exposures, extending exposure range, manipulating grayscale and working with the new DNG (Digital Negative) open standard that Adobe supports. Presented by photographer Mikkel Aaland, a pioneer of digital photography and author of eight books, including O"Reilly"s Photoshop for the Web and the award-winning Shooting Digital, Photoshop CS2 RAW investigates and instructs in an accessible visual style. Required reading for professionals and dedicated photo hobbyists alike.


A view of the internal evidence of the Christian religion A view of the internal evidence of the Christian religion

Автор: Soame Jenyns

Год издания: 

Полный вариант заголовка: «A view of the internal evidence of the Christian religion / [by Soame Jenyns]».


Developing Strategies in Reading Comprehension / Английский язык. Стратегии понимания текста. Часть 1 Developing Strategies in Reading Comprehension / Английский язык. Стратегии понимания текста. Часть 1

Автор: Е. Б. Карневская

Год издания: 



Developing Strategies in Reading Comprehension / Английский язык. Стратегии понимания текста. Часть 2 Developing Strategies in Reading Comprehension / Английский язык. Стратегии понимания текста. Часть 2

Автор: Е. Б. Карневская

Год издания: 



Академическое письмо. Лексика. Developing academic literacy 2-е изд., испр. и доп. Учебное пособие для бакалавриата и магистратуры Академическое письмо. Лексика. Developing academic literacy 2-е изд., испр. и доп. Учебное пособие для бакалавриата и магистратуры

Автор: Вера Владимировна Меняйло

Год издания: 

Учебное пособие представляет собой комплекс упражнений и теоретического материала, необходимого для ознакомления с лексическими единицами, которые отрабатываются в упражнениях. Оно состоит из 45 разделов, каждый из которых направлен на отработку определенной группы академической лексики или развитие навыка. В учебном пособии дан теоретический материал по существительным, глаголам, прилагательным, устойчивым выражениям, характерным для научного стиля. В книге отрабатываются такие навыки, как постановка целей и задач исследования, реферирование научной литературы, оформление ссылок на источники, описание статистической информации, графиков и диаграмм, формулирование выводов исследования и другие.