第二部分阐述了信用档案的必要性和管理原则。
The second part explains the necessity of the credit archives and management principle.
第二部分对信用风险管理作理论上的概述。
The second part introduced the management of the credit risk.
第四部分阐明我国商业银行选择基于经济资本的信用风险管理的必要性、可行性及具体引入时的管理内容；
The fourth part expounded the commercial bank chooses based on time the economical capital credit risk management necessity, feasible and the concrete introduction management content;
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