Banks have started to tack l e i ntegrate c li mate cons i derat i ons i nto the i r IRB PD outcomes through most l y tact i ca l approaches such as quest i onna i re dr i ven c li mate- ad j usted cred i t frameworks and i ncorporat i on of qua li tat i ve c li mate cons i derat i ons i nto PD scorecards .大多数银行都在接近策略的策略阶段,但是一些阶段已经开始,但是一些人已经开始涉及pd mode l s,g i ven cha ll ers ava ava il a a a a a a a a a a a i al a i l i a i c i c i c d o stor i stor i stor i stor i stor i stor i stor i stor i stor i c data to n to pd mode l y n to c li c li a c li e n i i n te eash阶段。