The second part introduced the management of the credit risk.

第二部分对信用风险管理作理论上的概述。

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In the recent years, with the rapid development of consumer credit, people began to pay more and more attention on the control and management of the credit risk.

近几年，随着消费信贷的飞速发展，人们开始越来越关注消费信贷信用风险的控制和管理。

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Investment Banks are now paying for that opacity, even though their management of risk has improved since the last credit crisis in 1998.

尽管在1998年信用危机后其风险管理的水平已经得到提升，投资银行还是为他们现在的不透明性付出了代价。

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New lessons have been learned in the past few months about diversification and the management of credit risk.

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"Past experience has taught us that a bad loan crisis usually came three years after a period of abnormal credit surge, " Wei Guoxiong, chief risk management official with the Industrial and Commercial Bank of China was quoted as saying by the Xinhua news agency.

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For instance, one European bank that operates in several countries has implemented a credit risk management system that enables it to use analytics to improve the pricing of its credit products.

FORBES: Risk Management Comes of Age