正是在这样的背景下，本文就我国上市公司信用风险评级问题进行研究。
With the above background, this article decided to choose the credit rating of China's listed companies as its research subject.
通过本文的研究，可以得出结论：利用本文提出的上市公司信用风险评价模型对中国上市公司进行信用风险评级是可能的，也是完全可行的。
Through the research, we may obtain the conclusion: It is possible and feasible to use the credit risk appraisal model advanced by this article to appraise the credit risk of listed companies.
鉴于向投资者告知信用风险是评级机构的职责所在，因此很难想象还会有比这更大的失职行为。
Given the rating agencies' mandate is to inform investors of credit risks, it's hard to imagine a more colossal failure.
我们认为自己提供的评级是对相对信用风险的评定，但绝对不是买进、持有或者卖出的建议。
We offer our ratings as a view of relative credit risk-not as a buy, hold or sell recommendation.
这将会导致更加类似的信用评级理念，最终将使投资者失去对待信用风险可贵的异质化思维。
This could lead to more homogenized rating opinions and, ultimately, deprive investors of valuable, differentiated opinions on credit risk.
评级机构建议评级信息使用者将评级信息作为对相关各级信用风险的一个评估而已。
Instead, it advises users of its ratings to consider it a commentary on relative levels of credit risk.
新巴塞尔资本协议将信用风险作为重中之重，鼓励商业银行建立以工程化的内部评级模型。
In the New Basel Capital Accord credit risk has been listed the first important item, encouraging commercial Banks to build an engineering IRB model.
作为国际银行界的“游戏规则”，巴塞尔新资本协议针对信用风险提出的标准法和内部评级法为将来商业银行进行信用风险管理指明了方向。
As a "rule of game" in banking industry, New Basel Capital Accord provides two options for credit risk management for commercial banks-the standardized approach and internal ratings-based approach.
本文尝试将CPV模型原理应用于信用评级，力求更加精准地度量信用风险价值和银行监管资本充足率。
In this paper, CPV model will be used for credit rating so as to measure the credit risk and Banks' regulatory capital adequacy rate more accurately.
信用风险；商业银行；信用评级；度量模型；信用风险管理。
Credit risk; Commercial bank; Credit rating; Measure model; Credit risk management.
国外有很多专门的信用风险测评机构对公司或企业的信用风险进行全面的评级，如美国著名的穆迪信用评级公司、标准普尔公司和费奇公司。
Many special credit risks appraisal agencies carry on overall credit risks grading of the company or enterprises in abroad, for instance, famous Moody credit rating Company, Standard and Poor company.
在计算债券信用风险损失中，可以充分利用评级公司公布的数据来具体的计算出各债券的信用风险值，本文给出这种方法和例子。
In calculating the credit loss of bond, we can efficiently use the data list by the rating company to calculate specifically credit loss of the all bonds. This paper gives the methods and cases.
信用风险的内部评级法(IRB)是巴塞尔新资本协议的核心内容。
Internal Rating-Based Approach (IRB) is the core content of the New Basel Capital Accord.
更一般地，信用风险还包括由于借款人信用评级的降低导致其债务市场价值的下降而引起的损失的可能性。
More generally, including credit risk as a borrower's credit rating to reduce its debt led to the decline in the market value of the losses arising from the possibility.
信用评级是信用风险管理的基石。
Credit rating is the cornerstone of the credit risk management.
本文首先对国内外信用风险的研究现状进行了回顾，并对目前比较流行的信用评级方法进行比较，在此基础上构建了我国上市公司信用评级模型。
First, this article had a review to the research present situation of overseas and our country, compared the popularized methods of credit rating, and then constructed a credit rating model.
我国银行业信用风险度量基本上还处在传统的信用评级初级阶段，大多是以定性分析为主，缺乏定量分析信用风险。
Nowadays our Banks' risk measurement is still at primary stage of traditional credit rating. Most of the credit-rating are based on qualitative analysis and lack of quantitative analysis.
第三条商业银行采用内部评级法计量信用风险资本要求，应按照本指引要求对商业银行银行账户信用风险暴露进行分类。
Article 3 a commercial bank using internal ratings to measure the credit risk capital requirement shall categorize the banking-book credit risk exposures of a commercial bank under these Guidelines.
以内部信用评级为前提的信用风险预警方法是防范和化解信贷风险的基础。目前我国商业银行都采用这一方式管理信贷风险。
The Internal Rating Based Approaches is the basic of credit risk rating system, which is used to dissolve the credit risk in our commercial banks.
以内部信用评级为前提的信用风险预警方法是防范和化解信贷风险的基础。目前我国商业银行都采用这一方式管理信贷风险。
The Internal Rating Based Approaches is the basic of credit risk rating system, which is used to dissolve the credit risk in our commercial banks.
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