For bank the credit risk management have two aspects. One is to manage the default of single borrowers and the other is to manage risk of the whole bank, which takes lots of loan as one portfolio.
对银行来讲，信用风险管理有两个层次，第一个层次是对单个贷款者的违约风险管理，第二个层次是整个银行的经营风险管理，把诸多的笔贷款看成一个组合。
If you default on your loan, the bank can sell the car and recoup the rest of its money.
如果你拖欠贷款，银行可以卖掉车，收回其余的钱。
If you default on your loan, the bank can sell the car and recoup the rest of its money.
如果你拖欠贷款，银行可以卖掉车，收回其余的钱。
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