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The validity of credit models is critical in determining financial or risk assessment. Lending institutions and regulations rely upon credit models to predict and evaluate the likely outcome of specific ventures. To ensure the success of such ventures, banks and regulators question whether both may rely on particular credit model or implementation of a model in the matter of computing appropriate regulatory capital requirements. Amongst the existing four popularized models: Credit Metrics, Credit Risk+, KMV and Credit Portfolio View, KMV model is the most often employed as a form of credit risk modeling. Historical financial data and testing suggests that the Credit Metrics model may have traits, which supersede the benefits offered by KMV in certain circumstances
