So enforcing the system of credit risk management to reduce the amount of bad assets is the four state-owned commercial Banks' main work, and also ensures to reduce our country's financial risks.
因此，加强和完善信贷风险管理，切实降低不良资产，是四大国有商业银行今后几年工作的重点，也是我国有效降低金融风险的重要保障。
On the basis of this, it constructs a management system of credit risk of commercial banks from the aspects of outside supervision, restriction system, inside controlling, micro-management means etc.
在此基础上，从外部监管、约束机制、内控制度及微观管理工具等方面构建起商业银行的信用风险管理体系；
Therefore, it will be one of the greatest challenges in the field of finance for commercial Banks to study management technologies of credit risk.
对银行信用风险管理技术的研究已成为金融领域内最具有挑战性的课题之一。
How to draw lessons from the credit risk management method of the advanced Banks, promote the management level of loan credit risk of the city commercial Banks, is a arduous mission that we face.
如何借鉴国际银行界先进的信用风险管理方法并运用于我国城市商业银行的风险管理，提升我国城市商业银行的贷款信用风险管理水平，是我们面临的艰巨任务。
After our country entered the WTO, the home commercial Banks face the ordeal. Compared with the abroad, the level of credit risk management is low.
加入WTO以后，我国银行业面临前所未有的严峻考验，与国外竞争对手相比，我国商业银行的信用风险管理十分薄弱。
This paper reveals the cause of credit risk of group customers by focusing on their risk characteristics and management loopholes in our domestic commercial Banks.
本文针对集团客户的风险特征和我国商业银行的管理缺陷，指出集团客户信贷风险的成因。
This shows that credit risk management of commercial banks are the primary objective of risk management.
可见，对信用风险管理是商业银行风险管理的首要目标。
Based on the procedure of financial risk management, this paper analyzes the present situation of credit decision-making procedure of commercial Banks in China.
以金融风险管理基本流程为基础，分析了我国商业银行信用风险管理决策程序的现状。
As a "rule of game" in banking industry, New Basel Capital Accord provides two options for credit risk management for commercial banks-the standardized approach and internal ratings-based approach.
作为国际银行界的“游戏规则”，巴塞尔新资本协议针对信用风险提出的标准法和内部评级法为将来商业银行进行信用风险管理指明了方向。
Commercial Banks should improve the management of credit risk in the credit business through the whole process to prevent and lower credit risk.
将信贷风险防范和控制前移，使信贷风险的管理贯穿于信贷业务的整个过程，进而降低商业银行的不良贷款。
In the risks faced by commercial Banks, the credit risk through the commercial bank's operations from the beginning to the end, which highlights the importance of credit risk management.
而在商业银行所面临的风险中，信用风险贯穿于商业银行经营活动的始终，这也说明了信用风险管理的重要性。
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。
The risk management of mortgaged assets, as an important credit risk management, has become the base for the commercial Banks to guarantee asset safety and increase benefit.
抵押资产的风险管理作为信贷风险管理的一个重要方面，已成为商业银行保证资产安全，提高效益的基础。
Commercial Banks always pay much attention to credit risk management, which accounts for the major risk commercial Banks are facing.
信用风险是商业银行面临的主要风险，信用风险管理一直是银行关注的重点。
And legislation related enterprises from the West, the credit mechanism, risk assessment and other measures are introduced in the article from Western commercial Banks on risk management practices.
然后从西方关联企业立法、信贷运行机制、风险评估措施等方面介绍了西方商业银行风险管理上的做法。
Therefore, under the new international financial situation, to strengthen credit risk management and improve credit risk management level have become the most urgent task of China's commercial Banks.
因此，在新的国际金融形势下，加强信用风险管理、提高信用风险管理水平成我国各商业银行的当务之急。
As credit business has been the main business for domestic commercial Banks, credit risk management thus became the important one for banking risks management.
资产业务是商业银行的主体业务，信贷风险管理构成银行风险管理的主要对象。
So, how to learn advanced credit risk management experience from international commercial Banks is urgent to us, both from the theory and the practice perspective.
如何借鉴国际商业银行的先进管理经验，推动我国商业银行的信用风险管理水平是一个亟待从理论和实践上加以研究和解决的课题。
Commercial Banks bear the credit risk management, so how to prevent and resolve the credit risk has become issue.
商业银行在经营中承担着越来越高的信用风险，如何防范与化解信用风险已经成为我国业界讨论的热点问题。
Under China's current financial circumstance, credit risk is the dominant one, so avoiding and settling the credit risk become the main task of the risk management of our country's commercial banks.
在中国现行金融环境下，信贷风险占有主要的地位。因此防范和化解信贷风险成为我国商业银行风险管理的主要内容，而信贷风险管理很重要的一个环节就是量化信贷资产的风险。
So raising the level of credit risk management become an important task and objectives for commercial Banks.
因此提高信用风险管理水平成为各国商业银行的重要任务和目标。
As the most important risk of commercial Banks, credit risk management has attracted a great deal of attention in financial institutions.
信用风险是商业银行面临的最重要的风险之一，其管理引起了越来越多金融机构的关注。
This article is based on this background and explored this theme of commercial Banks' credit risk management.
本文正是从这一背景出发，对商业银行信贷风险管理这一主题进行探讨。
Hence, enhance credit risk management and improve credit risk managing ability gradually become the top urgent affairs for each commercial Banks.
因此，加强信贷风险管理、提高信贷风险管理水平成为各商业银行的当务之急。
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。
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。
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