本文第一部分是商业银行信贷风险管理概述。
This first part is an overview of commercial bank credit risk management.
商业银行信贷风险管理水平的低下是信贷风险产生的主要原因。
Low level of credit risk control is the major reason that results in credit risk.
在探讨人工神经网络（ANN）在商业银行信贷风险预警中的应用。
The purpose of this paper is to discuss the application of the artificial neural Network (ANN) to the commercial bank loans risk warning.
本文正是从这一背景出发，对商业银行信贷风险管理这一主题进行探讨。
This article is based on this background and explored this theme of commercial Banks' credit risk management.
我国商业银行信贷风险全过程控制的前提和基础是对信贷风险量化标准的确定。
The prerequisite and foundation for the comprehensive process control of banking risks is the quantification criteria of credit risks.
结合我国商业银行的现状，分析研究我国商业银行信贷风险的表现、特征及产生的原因。
Related to the situation of China' s commercial banks it analyses the presents, characters and courses of the credits risk in China' s Commercial banks.
当前从信息不对称的角度研究商业银行信贷风险管理问题的研究缺乏结合实际案例的分析。
Currently, the research from the point of information-asymmetry on credit risk management of commercial bank lacks the analysis linked with actual cases.
因此对商业银行信贷风险管理引入财务危机预警模型进行定量分析具有十分重要的理论和现实意义。
Therefore it is of very important significance on theory and reality to bring quantitative analysis into the financial crisis forewarning model for credit risk management of commercial bank.
其次，在前面分析的基础上，我们对商业银行信贷风险和流动性风险控制的约束条件做了数学描述。
Next, We made mathematic description of credit risk and liquidity risk control constraint conditions based on the analysis in foregoing sections.
本文在回顾了信贷风险管理相关理论后，分析了我国商业银行信贷风险的特征，并指出了信贷风险管理中尚存在的问题。
This paper point out the problems of risks management of Chinese commercial bank after analyzing the features of credit risks.
对商业银行信贷风险管理的研究，可以保障银行的经营安全，以最小的损失来获得控制信贷风险的最佳效果，防患于未然。
The research on the credit risk management of commercial bank can guarantee security, control the credit risk effectively with a minimum loss and take preventive measures.
在改进研究的基础上建立了我国商业银行信贷风险评估体系，并选取了3家上市公司的2004年度数据对模型进行了应用分析。
Establishing our commercial bank credit risk evaluation system model and applies the model with 3 listed company's date of 2004.
通过实证分析证明，KMV模型能够比较准确的反映上市公司的真实经营状况，将KMV模型应用于我国商业银行信贷风险管理是可行的。
The empirical analysis shows that KMV model can reflect real operation of listed companies accurately and this model can be used in China's commercial banks.
信用风险是商业银行信贷风险管理中一项基础性的工作，其目的在于分析银行在贷款业务中可能面临的信用风险，从而为贷款决策提供依据。
Credit risk evaluation is the basic work of commercial bank's credit risk management, which goal is to analyze the credit risk of the bank in provides a loan, and support the decision of the loan.
本文研究成果揭示了灰色系统在商业银行信贷风险管理方面的重要性，可以为商业银行信贷部门、风险管理部门提供一种新的风险监控措施。
Achievement of this paper reveals that grey risk system is a useful risk assessment system for Banks, provides science-reference for risk management and credit management.
近些年来，国外商业银行信贷风险预警体系日趋成熟，而我国商业银行信贷风险预警体系由于种种原因还不完善，国内学者在该领域的研究成果也十分缺乏。
In recent years, the early warning system of credit risk of foreign commercial Banks is getting more and more mature. But our country's early warning system does not improve for a variety of reasons.
本文研究商业银行的信贷市场在不完全信息下银行信贷风险的决策机制。
This paper studies the decision mechanism of credit risk in the credit markets of the commercial Banks with imperfect information.
从当前我国银行信贷风险管理情况来看，我国商业银行风险管理水平普遍较低，整个银行体系不良贷款率偏高，远远高于国际警戒线。
Now, The level of our country commercial bank risk manage is widespread and lower, and the bad loan rate of whole bank system is higher, far higher than international warn line.
第二部分阐释了银行信贷风险的概念、产生的理论原因、种类及商业银行风险处理的一般方法。
In the second chapter, the concept of banking credits risk, the theoretical causes of its generation, different types risks and general corresponding countermeasures are set forth.
信贷风险是指商业银行信贷活动这一随机事件未来结果的不确定性。
The credit rate of return is a random variable as a result of any bank's credit activity.
信贷风险是指商业银行信贷活动这一随机事件未来结果的不确定性。
The credit rate of return is a random variable as a result of any bank's credit activity.
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