Loan portfolio risk is the main risk of commercial Banks. The nonperforming loan caused by the loan allocation mistakes, is the main problem of Chinese Banks industry.
贷款组合风险是商业银行的主要风险，由于贷款组合分配失误造成的新增不良贷款不断产生，是我国目前银行业面临的主要问题。
How to eliminate concealed damages lies in weakening commercial banking institutional and market-oriented loan allocation, establishing standardized loan market and information transmission mechanism.
化解隐患的关键在于弱化商业银行的制度性和市场性的信贷配给，建立标准的信贷市场以及信息传导机制。
Such allocation methods, limits constrained optimal loan decision and after loan parameters adjustment make supplement for each other and mutually constitute the dynamic economic capital allocation.
此种配置方法与限额约束下贷款最优决策、贷款发放后的参数调整等方法相互补充，共同构成了商业银行动态的经济资本配置体系。
Secondly, liquidity risk is controlled by using constrains on laws, regulation and operation, so the loan′s allocation can meet the requirements of supervision and operation.
二是运用资产负债管理比率建立约束条件，通过法律、法规和经营管理约束控制流动性风险，使贷款的分配决策满足银行监管要求和银行经营实际；
Secondly, liquidity risk is controlled by using constrains on laws, regulation and operation, so the loan′s allocation can meet the requirements of supervision and operation.
二是运用资产负债管理比率建立约束条件，通过法律、法规和经营管理约束控制流动性风险，使贷款的分配决策满足银行监管要求和银行经营实际；
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