The increasing amount of individual credit loan creates demand for the control of individual credit risk.
个人消费信贷规模逐年增大，产生了对个人信用风险控制的需求。
And this thesis has studied the credit risk assessment methods of China's listed companies based on the individual credit risk analysis and the portfolio credit risk analysis respectively.
本文分别从个体信用风险分析的角度和组合信用风险分析的角度对中国上市公司信用风险的评估方法进行了研究。
The foreign experience indicated that, as an effective individual credit risk management tool, credit rating model played a very important role in the commercial banks' credit decision-making.
国外经验表明，个人信用评分模型作为一种有效的个人信用风险管理工具，在商业银行的信贷消费决策中起到了非常重要的作用。
In contrast, due to individual investors in the corporate bond credit risk concerns, the Shanghai index at one time rate debt fell sharply.
与此相反，由于公司债券的信用风险，个人投资者的关注，在一次利率债务上海指数大幅下跌。
Finally, through constructing credit risk evaluating system of individual housing loan, the practicality of these methods was proved.
最后，通过个人住房贷款信用风险评估体系的建立验证了这些方法的实用性。
Supervisory expectations for the credit risk management approach used by individual Banks should be commensurate with the scope and sophistication of the bank's activities.
监管预期的信用风险管理方法的由个人银行应该伴随的范围和成熟的活动。
No significant amount of individual financial assets, could pay separately for testing, or a similar credit risk characteristics included in the portfolio of financial assets for loss testing.
对单项金额不重大的金融资产，可以单独进行减值测试，或包括在具有类似信用风险特征的金融资产组合中进行减值测试。
Finally, some measures are suggested to improve the exterior environment of credit risk management of commercial Banks' individual housing loan.
最后提出了改善商业银行个人住房贷款信用风险管理外部环境的对策。
This article mainly through study carefully for individual housing credit risk of our commercial bank loan, sums up some suggestion in the prevention of personal housing loan credit risks.
本文主要是通过对我国商业银行个人住房贷款信用风险的仔细研究，总结出防范个人住房贷款信用风险的一些议建。
And its management and procedure are still not consummate. State student loan is the special individual consumption credit, and the risk in its operation is more difficult to measure and control.
目前，个人消费信贷在我国产生不久，有关的管理办法和具体操作手段还不严密也不完善，作为一种特殊的个人消费信贷产品的国家助学贷款，其业务中的风险更是难以度量和控制。
And its management and procedure are still not consummate. State student loan is the special individual consumption credit, and the risk in its operation is more difficult to measure and control.
目前，个人消费信贷在我国产生不久，有关的管理办法和具体操作手段还不严密也不完善，作为一种特殊的个人消费信贷产品的国家助学贷款，其业务中的风险更是难以度量和控制。
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