However, the issues of bad loans and loan risk management that has been harassing ADBC for quite a long period present a "bottleneck" for the formation of modern bank system for ADBC.

但长期以来一直困扰农业发展银行的不良贷款以及贷款风险管理问题，在打造农业发展银行现代银行制度中形成“瓶颈”制约。

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The credit evaluation is the basis of the loan risk management in Commercial Bank.

企业信用评价是商业银行贷款风险管理的重要基础。

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One important decision of bank management is to optimize the loan portfolio structure so as to hold a loan portfolio with possible highest yield and relevant lowest risk.

银行在经营中的一项重要决策，就是对贷款组合结构进行优化，以持有一个具有尽可能高的收益率和尽可能小的风险的贷款组合。

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James Adams is a Senior Analyst at Sageworks, a leading provider of credit risk management, loan loss reserve and stress testing software to financial institutions.

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