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.
而风险模型和风险管理系统较为复杂的大银行则可以选择协议规定的“内部评级法”，或者简称为“IRB”。
Bigger Banks with more sophisticated risk-modelling and risk-management systems can opt for what Basel 2 calls the "internal ratings-based approach", or IRB.
内部评级法使得银行能够自行开展更多的风险评估工作，在这种情况下，巴塞尔协议只得依赖于银行所在国的监管当局采取措施确保银行有能力、下功夫地开展工作。
In allowing Banks to do more of their own risk assessment under IRB, the Basel rules rely on national regulators to ensure that Banks are up to the job and are doing it diligently.
本文通过系统研究和分析新资本协议中内部评级法的主要内容和框架，以及国际商业银行的内部评级体系，找出实施内部评级体系的核心要素。
The paper studies the main content of Internal Ratings Based Approach and international commercial banks' IRB system, and analysis the key factors that implement IRB.
基于在新协议中内部评级法计算资本金的要求，对商业银行内部评级体系的构建提出了一个基本框架。
Based on the request of Approaches computation capital in the internal rating of the New Accord, the basal construction is proposed about the commercial bank interior rating system.
介绍了内部评级法和外部评级，比较分析了内部评级和外部评级之间的异同，对我国商业银行完善内部评级法提出了建议。
By introducing IRB approach and external rating, the similarities and differences between them were analyzed and Suggestions on how to improve commercial Banks' IRB approach were put forward.
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.
中国工商银行新客户评级体系，该体系是建立在内部评级法的基础上，依此介绍指标体系、得分计算、等级评定和应用前景。
The new client credit grading system of ICBC is built on the base of the internal grading method, composed of index system, calculation, grading and application prospect.
然而，大多数非十国集团国家无力采用内部评级法。正如巴塞尔委员会所预期的，从标准法向内部评级法的过渡也将需要很长时间。
However, the use of IRB would not be a practical option for a majority of non-G10 countries and the transition from the standardized approach to IRB, as the Committee expects, would be long.
然而，大多数非十国集团国家无力采用内部评级法。正如巴塞尔委员会所预期的，从标准法向内部评级法的过渡也将需要很长时间。
However, the use of IRB would not be a practical option for a majority of non-G10 countries and the transition from the standardized approach to IRB, as the Committee expects, would be long.
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