目前，我国商业银行还难以准确估算贷款非预期损失。
At present, China's commercial Banks is also difficult to accurately estimate the expected loss of non-lending.
这一章的第一节对资本金的非预期损失缓冲器作用进行总结；
The first session of this chapter summarizes the unexpected loss buffer function of capital.
金融机构需要对风险进行量化，算出恰当缓冲非预期损失的资本金额度。
For financial enterprises, risk quantifications are needed to calculate the appropriate amount of capital in loss buffering.
经济资本是银行用于抵御业务风险的资本，在数量上等于非预期损失额。
Economic capital is a kind of capital that is used by the bank to resist the business risk and it's equal to the sum of unexpected loss.
风险是金融机构产生非预期损失的原因，资本金是金融机构的非预期损失缓冲器。
Risk is the causation of unexpected losses, and capital is the buffer of unexpected losses.
商业银行资本的核心功能是弥补银行经营过程中各种不确定性可能导致的非预期损失。
The core function of commercial banks' capital is to cover the unexpected loss induced by all kinds of uncertainties during banking operation.
然而根据VAR理论推算出的个人住房贷款非预期损失却大大超过了4%的配置标准。
Nevertheless, according to the theoretical VAR projected housing loans to individuals of non-expected losses greatly exceeded the 4% of the standard configuration.
银行经济资本，是基于银行全部风险之上的资本，是一种虚拟的、与银行风险的非预期损失等额的资本。
The economic capital of a bank is one based on all the bank risks, representing a virtual capital equivalent to non-expectation loss for bank risks.
本文主要研究保证组合传染与缓释行为对组合信用风险影响，特别是对组合预期损失与非预期损失影响。
This paper focuses on the portfolio mitigation and contagion effects incurred by guaranty relation, especially on the expected loss and unexpected loss in the portfolio.
加大资金成本、经营成本、风险成本的测定与控制，并明确了贷款定价过程预期损失率和非预期损失率的管理。
Strengthen determination and control of fund cost, operating cost, risk cost, define loan fixed price course rate of loss expected and it is expected management of loss rate.
加大资金成本、经营成本、风险成本的测定与控制，并明确了贷款定价过程预期损失率和非预期损失率的管理。
Strengthen determination and control of fund cost, operating cost, risk cost, define loan fixed price course rate of loss expected and it is expected management of loss rate.
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