第四部分，将非财务信用评价指标体系应用到实际问题的解决，为商业银行授信决策提供依据。
Part four, use the above evaluation system and method to analyse the practical case, helping commercial bank to make credit decision.
从总体分析，我国商业银行对集团客户的授信管理缺乏一整套有针对性的管理制度和操作规范。
At whole analysis, our commercial Banks lack a complete pertinency management system and operating procedure for credit management of group clients.
商业银行应当审慎使用外部信用评级，外部信用评级结果不应直接作为商业银行的授信依据。
I. Commercial Banks shall use external credit ratings with caution, and shall not directly use external credit rating results as the basis for extending credit.
第一条为切实防范风险，促进商业银行加强对集团客户授信业务的风险管理，制定本指引。
Article 1 These Guidelines are formulated for the purpose of earnestly preventing risks, and promoting commercial Banks to strengthen the risk management of granting credit to customer groups.
而贷款的风险评价是商业银行贷款风险管理的关键环节，只有科学地评价风险，才能有效地指导银行授信业务。
Loan risk evaluation is a key link in loan risk management of commercial Banks because only by appraising risk scientifically can Banks direct business practices effectively.
目前我国信贷资产质量下降，商业银行制订正确的授信决策是防范贷款风险、提供收益的途径。
At present the quality of loaning assets is declining. A reasonable credit assigning strategy which commercial bank makes is the way to avoid loan risks and raise its incomes.
希望对商业银行防范及控制集团客户授信风险有所帮助。
Hoping that this article will help to prevent and control credit risk for commercial Banks.
希望对商业银行防范及控制集团客户授信风险有所帮助。
Hoping that this article will help to prevent and control credit risk for commercial Banks.
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