如何借鉴国际银行界先进的信用风险管理方法并运用于我国城市商业银行的风险管理，提升我国城市商业银行的贷款信用风险管理水平，是我们面临的艰巨任务。
How to draw lessons from the credit risk management method of the advanced Banks, promote the management level of loan credit risk of the city commercial Banks, is a arduous mission that we face.
以此为我国商业银行完善个人住房贷款风险管理体系提供一定的参考意义。
This is our country commercial bank perfecting personal housing loan risk management system to provide certain reference significance.
商业银行在运营中本身承担着各种类型的风险，包括信用风险、利率风险、流动性风险、管理风险、资本风险和政策风险等。
The commercial bank itself undertakes various types risk in the operation, including credit risk, interest rate risk, fluid risk, management risk, capital risk and policy risk and so on.
由于种种原因，我国国有商业银行贷款信用风险管理制度存在着诸多缺陷，明显影响了银行对贷款信用风险的防范和控制。
Due to all kinds of reasons, the loans credit risk management system exists many defects in the above mentioned Banks, they are affected obviously to the loans credit risk against with control.
因此，加强和完善信贷风险管理，切实降低不良资产，是四大国有商业银行今后几年工作的重点，也是我国有效降低金融风险的重要保障。
So enforcing the system of credit risk management to reduce the amount of bad assets is the four state-owned commercial Banks' main work, and also ensures to reduce our country's financial risks.
风险管理是现代微观金融学的一大支柱，也是现代商业银行的核心功能之一，因此，在商业银行管理中具有极其重要的地位。
Risk control is a corner stone of modern micro-finance and also one of the core functions of modern commercial banks, thus having a vital significance in the management of commercial bank.
风险管理是现代商业银行管理的核心之一。
Risk management is one of the cores of a modern commercial bank .
在此基础上，从外部监管、约束机制、内控制度及微观管理工具等方面构建起商业银行的信用风险管理体系；
On the basis of this, it constructs a management system of credit risk of commercial banks from the aspects of outside supervision, restriction system, inside controlling, micro-management means etc.
企业信用评价是商业银行贷款风险管理的重要基础。
The credit evaluation is the basis of the loan risk management in Commercial Bank.
个人信贷消费的快速增长要求商业银行具有较为完备的信用风险管理体系。
The fast growth of personal credit consumption requests the bank to have perfect credit risk management system.
本文研究的重点是我国国有商业银行信用风险的管理制度问题。
This thesis was to focus on the management system of credit risks in Chinese state-owned commercial Banks.
风险管理是商业银行的生命线。
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.
西方商业银行的利率风险管理理论，经过几十年的积累，形成了较为严谨的体系。
In west commercial bank the theory of interest rate risk management generated precise system based on accumulation during decade years.
商业银行要加强对商业承兑汇票的风险管理。
Commercial Banks shall strengthen the risk management of commercial acceptance bills.
商业银行的信贷风险管理已经成为商业经营中的重要内容。
The credit risk management of commercial bank has become an important part of business operations.
在对矩阵进行深入分析的基础上，为商业银行利用迁移矩阵进行风险管理提出了有益的建议。
On the basis of an in-depth study of matrix, the author puts forward some valuable suggestions for exercising commercial bank risk management by applying transfer matrix.
本文介绍了商业银行面临的信用风险、信用衍生产品在商业银行信用风险管理中的运用以及信用衍生产品对商业银行的影响。
This article introduces credit risk confronted with the commercial bank, the application of credit derivatives in commercial bank credit risk management and its impact on commercial bank.
本论文借鉴风险管理的一般理论来研究商业银行信用风险的管理。
This paper use general risk management theory for reference to study the management of commercial bank credit risk.
风险管理是西方商业银行管理的核心内容之一。
Risk management is one of the core content of western commercial bank management.
流动性风险管理问题一直是世界各国商业银行风险管理研究领域中的重点和难点问题之一。
The problem of liquidity risk management has always been a key and difficult one in the field of commercial Banks risk management.
经济资本管理是商业银行管理的前沿理论，代表了未来银行业风险和价值管理的核心。
Economic capital management is frontier theory of commercial Banks' risk management and symbols the core of risk and value management for future.
加入WTO以后，我国银行业面临前所未有的严峻考验，与国外竞争对手相比，我国商业银行的信用风险管理十分薄弱。
After our country entered the WTO, the home commercial Banks face the ordeal. Compared with the abroad, the level of credit risk management is low.
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.
风险管理是商业银行管理的核心之一。
The risk management is one of the core of commercial bank management.
资本和风险资产的匹配成为商业银行风险管理的核心问题。
The matching between capital and risky assets becomes the core problem of risk management of commercial Banks.
研究基于凸度缺口模型的具有隐含期权的商业银行利率风险管理问题。
Interest rate risk management for commercial Banks with embedded option is investigated based on the convexity gap model in this paper.
但是，与市场风险和信用风险相比，商业银行对操作风险的认识和管理都处于较低水平。
But compares with the market risk and the credit risk, the understanding and the management for the commercial bank operational risk is both in a lower level.
但是，与市场风险和信用风险相比，商业银行对操作风险的认识和管理都处于较低水平。
But compares with the market risk and the credit risk, the understanding and the management for the commercial bank operational risk is both in a lower level.
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