第二章转入对商业银行信贷营销环境分析。
Chapter two turns to the analysis of the credit marketing environments of the commercial Banks.
抵押贷款是近年来商业银行信贷的主要方式。
Mortgage loan is now a primary means of credit employed by the commercial Banks.
本文第一部分是商业银行信贷风险管理概述。
This first part is an overview of commercial bank credit risk management.
第四部分：国有商业银行信贷资产证券化的可行性分析。
Part four: Practicability analysis on assets securitization of state-owned commercial Banks.
商业银行信贷风险管理水平的低下是信贷风险产生的主要原因。
Low level of credit risk control is the major reason that results in credit risk.
信贷风险是指商业银行信贷活动这一随机事件未来结果的不确定性。
The credit rate of return is a random variable as a result of any bank's credit activity.
这对商业银行信贷管理的智能化、规范化、科学化是一次有益的尝试。
This is a beneficial attempt to intelligentization, standardization and scientization of commercial bank credit management.
在探讨人工神经网络（ANN）在商业银行信贷风险预警中的应用。
The purpose of this paper is to discuss the application of the artificial neural Network (ANN) to the commercial bank loans risk warning.
本文正是从这一背景出发，对商业银行信贷风险管理这一主题进行探讨。
This article is based on this background and explored this theme of commercial Banks' credit risk management.
我国商业银行信贷风险全过程控制的前提和基础是对信贷风险量化标准的确定。
The prerequisite and foundation for the comprehensive process control of banking risks is the quantification criteria of credit risks.
在信贷市场中，商业银行信贷资金运动过程主要涉及商业银行与企业两个主体。
In the credit market, the credit funds movement procedure of the commercial bank mainly involves two main bodies, the bank and the enterprise.
第三部分是对国外商业银行信贷管理进行分析，并总结出先进的、值得借鉴的经验。
The third part is on foreign management of commercial bank credit analysis, and conclude experience that advanced, should learn from.
我国商业银行信贷资产质量低下，不良贷款比率高，已经成为我国金融风险的最大隐患。
The lower quality and highly bad loan of credit assets in the commercial bank of our country has became the most hidden trouble of financial risk.
结合我国商业银行的现状，分析研究我国商业银行信贷风险的表现、特征及产生的原因。
Related to the situation of China' s commercial banks it analyses the presents, characters and courses of the credits risk in China' s Commercial banks.
当前从信息不对称的角度研究商业银行信贷风险管理问题的研究缺乏结合实际案例的分析。
Currently, the research from the point of information-asymmetry on credit risk management of commercial bank lacks the analysis linked with actual cases.
更为严重的是，商业银行信贷业务道德风险还会通过信贷业务对整个社会的利益产生负面作用。
What more serious is that, such moral risk will take negative effect to the interest of whole society.
商业银行信贷决策质量不高，直接导致了问题贷款——决定银行生死存亡的风险因素之一的产生。
The low quality of loan decision-making of commercial Banks directly derives into non-performing loans, which possibly causes a bank's bankruptcy.
因此对商业银行信贷风险管理引入财务危机预警模型进行定量分析具有十分重要的理论和现实意义。
Therefore it is of very important significance on theory and reality to bring quantitative analysis into the financial crisis forewarning model for credit risk management of commercial bank.
其次，在前面分析的基础上，我们对商业银行信贷风险和流动性风险控制的约束条件做了数学描述。
Next, We made mathematic description of credit risk and liquidity risk control constraint conditions based on the analysis in foregoing sections.
本文首先分析了房地产价格与商业银行信贷的相关性，通过利用历史数据对两者的关系进行了回归研究。
First, this article USES the way of regression method to analyze relevance between the real estate industry and commercial bank real estate credit market though historic data.
第五部分为结束语指出了商业银行信贷保全任重道远，不仅是技术层面上的改进，而且是促使一种制度的转变。
Part five is the end section and point out the long load that preserving of commercial bank has to go, not only the improvement of techniques, but also is an urge to transform the institution.
贷款是银行最重要的资产业务之一，商业银行信贷管理是其经营管理的中心环节，在国民经济中发挥着重要作用。
Credit is one of the most important assets business for Banks. Commercial credit management is the central task of commercial Banks. It plays an important role in the national economy.
本文在回顾了信贷风险管理相关理论后，分析了我国商业银行信贷风险的特征，并指出了信贷风险管理中尚存在的问题。
This paper point out the problems of risks management of Chinese commercial bank after analyzing the features of credit risks.
本文在回顾了信贷风险管理相关理论后，分析了我国商业银行信贷风险的特征，并指出了信贷风险管理中尚存在的问题。
This paper point out the problems of risks management of Chinese commercial bank after analyzing the features of credit risks.
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