FICO是“Fair Isaac Corporation”的缩写，是一家提供信用评估服务的公司。在信用评估领域，FICO是最知名、最常用的信用评分模型之一，其评分系统已被广泛应用于各种信用贷款、信用卡、保险、零售和其他金融服务领域。
下面从三个方面来介绍FICO：
1. FICO的起源和发展
FICO成立于xx年，最初是一个数据分析和决策支持系统的公司，xx年开始运营信用评分业务，xx年成为了纽约证券交易所上市公司。目前FICO已是金融业全球领先的分析软件公司之一，其评分模型已经更新迭代多次，不断优化，这也为FICO保持着在金融业的竞争中领先地位提供了保障。
2. FICO评分模型的基本原理
FICO评分模型的基本原理是评估一个人或企业的信用信誉，通过对多种因素的综合考虑，比如经历过的信用事件、负债情况、收入情况、信用历史等，从而给出一个0-850分的评分。一般来说，FICO评分大于700分就属于良好的信用等级，银行等金融机构则会更愿意发放贷款或信用卡。
3. FICO评分模型的应用领域
FICO评分模型被广泛应用于金融服务行业，特别是贷款、信用卡和保险行业。在这些领域，FICO评分是决定借贷金额、利率、保险费等的重要依据。此外，FICO评分模型在零售行业也有一定的应用，比如通过对顾客的购物历史、偏好、行为等数据进行分析，从而更好地了解顾客需求，提高销售额。
中英例句：
1. My FICO credit score is 815, which is considered excellent.
我的FICO信用评分是815，被认为是极好的。
2. The bank rejected my loan application because my FICO score was too low.
银行拒绝了我的贷款申请，因为我的FICO评分太低。
3. Insurance companies often use FICO scores when determining premiums for car insurance.
保险公司在确定汽车保险费时通常使用FICO评分。
4. Our retail company uses FICO scores to analyze customer data and develop personalized marketing strategies.
我们的零售公司使用FICO评分来分析客户数据并制定个性化的营销策略。
5. Banks use FICO scores to evaluate the creditworthiness of loan applicants.
银行使用FICO评分来评估贷款申请人的信用价值。
fico是一个意大利语词语，意思是信用评分。在英语中也用fico来表示信用评分。
读音：[ˈfiːkəʊ]
例句：
1. My fico score is 780, which is considered excellent.
我的信用评分是780分，被认为是优秀的。
2. In order to get a good interest rate on my mortgage, I need to have a high fico score.
为了获得低利率的抵押贷款，我需要有高的信用评分。
fico的中文解释是"服装、无花果树"，其中文解释还有"菲科"的意思，发音音标为['fi:kәu]，在英语中以名词出现较多，在《学生实用英汉双解大词典》中，共找到39个与fico相关的句子。
Fico的中文翻译
1.服装
例句:None of this seems to have dented Mr Fico's popularity ratings, which put him in a good position to win the election next summer. (所有这些似乎都不曾影响菲佐先生的支持率，他的优势已令他获得明年夏季的选举权。)
2.无花果树
例句:Slovakia is against the stationing of a U. S. radar base on Czech soil, Prime Minister Robert Fico said on Czech Television (CT) on Sunday. (斯洛伐克总理罗伯特。菲格星期天在捷克电视台说反对美国在捷克土地上部署雷达基地。)
3.菲科
例句:Fico, we're in the union. They control the union. (菲戈，我们是属于音乐联合会的 而他们掌管联合会)
4.尤指适合特殊场合或职业穿的、菲科
例句:Very nice musical you could open right here in Fico's Palace. (翻译:在菲戈的夜总会里 你可以找到非常美妙的音乐)
例句
1. Fico, we're in the union. They control the union. (翻译:菲戈，我们是属于音乐联合会的 而他们掌管联合会)
2. Very nice musical you could open right here in Fico's Palace. (翻译:在菲戈的夜总会里 你可以找到非常美妙的音乐)
3. In America one of the key determinants is an individual's FICO score, named after the Fair Isaac Corporation, which devised it. (翻译:美国，一个重要的决定因素是个人的FICO分数，FICO的名字来自于FairIsaac公司，是他们发明了这个词。)
4. These FICO scores... (SIGHS) (翻译:这些FICO信用评分... 盈利38.0% 赛恩净值)
5. Before going to the details of a beacon credit score, FICO is an acronym for Fair Isaac Company. (翻译:之前去的细节的灯塔，信用评分，菲佐是一个缩写，公平艾萨克公司。)
6. In Slovakia the centre-left prime minister, Robert Fico, is likely to be re-elected. (翻译:斯洛伐克中左党首相RobertFico可能会接受重选。)
7. Robert Fico's reign as Slovakia's prime minister looked set to end when his coalition partners performed badly in a parliamentary election. (翻译:斯洛伐克总理罗伯特•菲乔的任期看来是到头了，因为他的联盟搭档在议会选举中表现极差。)
8. In fact, Fico's party did not vote for it also after the elections. (翻译:事实上菲佐的政党在选后也没有投票赞成此一措施。)
9. As I am not from the US, I had no idea what FICO meant before researching it. (翻译:由于我不是来自美国，我不知道的FICO前研究它的意思。)
10. You know, it bothers me to see you, Fico Fellove, working in the kitchen. (翻译:你看 一想到你是菲戈．菲拉维 我就很烦心 你在厨房干活)
11. You need to check your credit report and FICO score regularly. (翻译:你需要检查你的信用报告，以及你FICO的固定得分。)
12. Mr Fico is gaining record popularity ratings. (翻译:菲科先生正在赢得破纪录的民众支持率。)
13. According to Fico, he would like the countries negotiating about the bases to ask other European countries for their opinions. (翻译:根据菲格所言，他想要求其它的欧洲国家对部署基地的选择进行谈判。)
14. Mr Fico gleefully pointed out that it was also used by the unreconstructed Czech Communist Party. (翻译:菲科高兴地指出顽固不化的捷克共产党也曾用过这个口号。)
15. While the FICO score is stable, the interest rate is much higher for higher DTI. (翻译:FICO分数基本稳定的情况下，DTI越高利率也就越高。)
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