They define four credit risk categories and they define a formula involving the amount of assets in each of the categories.

他们定义了四个风险等级,然后根据每个风险等级下的资产额,定义了一个资产总额的计算公式

耶鲁公开课 - 金融市场课程节选

It recognizes that the risks that a bank faces are very complex and that they are not summarized by just the classes of borrowers that were defined in Basel I.

它指出一个银行所面对的风险是非常复杂的,第一次巴塞尔协议定义的借款人风险等级,无法概括全部的风险

耶鲁公开课 - 金融市场课程节选