The system of credit provides a normative pattern for this practice, but this practice needs a more systematical restriction that is the establishment of mechanism.
信用体系为这种实践提供了一种规范模式，但是这种实践更需要一种制度化的约束，那就是机制的建立。
On the basis of this, it constructs a management system of credit risk of commercial banks from the aspects of outside supervision, restriction system, inside controlling, micro-management means etc.
在此基础上，从外部监管、约束机制、内控制度及微观管理工具等方面构建起商业银行的信用风险管理体系；
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