第四章：我国商业银行信用风险管理的现状。
The fundamental conceptions of credit risk management are defined and the characteristic of credit risk is summarized in this Chapter.
可见，对信用风险管理是商业银行风险管理的首要目标。
This shows that credit risk management of commercial banks are the primary objective of risk management.
金融资产证券化；信用风险管理；信用评等；信用增强。
Securitization of Financial Assets; Credit risk management; Credit Rating; Cedit Enhancement.
由表及里，第四章研究了企业商业信用风险管理的制度设计。
From outside to inside, the fourth part studies the system design of the Business Credit Risk management.
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.
本文最后还尝试提出完善适合我国商业银行的信用风险管理的若干建议。
This text still tries to put forward several suggestion of improving credit risk management which suits the commercial bank of our country.
搜寻先进的信用风险评估技术一直是信用风险管理研究的重要内容之一。
Looking for an advanced evaluation method of credit risk is always an important subject of credit risk management.
在分析了问题之后，本文从两个方面研究了出口信用风险管理与控制问题。
After it analyzes the question, this article studies the question of control and management on exportation credit risk from two aspects.
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。
Therefore, it will be one of the greatest challenges in the field of finance for commercial Banks to study management technologies of credit risk.
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。
Commercial Banks always pay much attention to credit risk management, which accounts for the major risk commercial Banks are facing.
信用风险管理是银行业管理的核心，信用风险的度量又是信用风险管理的基础。
Credit risk measurement is the base of credit risk management, which is the kernel of bank management.
信用风险是商业银行最古老的风险之一，信用风险管理是国际金融界不老的话题。
The credit risk has a long history in banking management and has been a hot topic in the international finance circle.
制定规章，信用风险管理，财务，法律，市场风险管理，系统，税收和内部财政服务。
Compliance, Credit Risk Management, Finance, Legal, Market Risk Management, Systems, Tax and Treasury Services - control functions.
对信用风险管理的目标是尽量维持在可接受的参数信贷风险，银行的风险调整回报率。
The goal of credit risk management is to maximise a bank's risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters.
本文通过考察国际先进的信用风险管理模式的发展趋势，分析了信用风险管理的新内涵。
This paper analyzes the new connotation of credit risk management, through reviewing the development trend of advanced international credit risk management model.
正是在这种时代背景下，本文对作为信用风险管理基础环节的信用风险评估进行了研究。
It is in this context of times that the paper studies the credit risk evaluation, which is the fundamental factor in the credit risk management.
信用定价是信用风险管理的核心，风险中性定价方法具有传统定价方法不可比拟的优点。
Credit pricing is the core of credit risk management, risk-neutral pricing method has advantages over traditional methods.
因此，研究分析不对称信息下信用风险的成因和防范规避策略对信用风险管理有重要的意义。
Therefore, the causes and evasion analysis of credit risk under asymmetric information has important significance to credit risk management strategy.
巴塞尔委员会发布此文件，以鼓励银行监管机构在全球范围内促进对信用风险管理的良好做法。
The Basel Committee is issuing this document in order to encourage banking supervisors globally to promote sound practices for managing credit risk.
尽管本论文受到一些研究条件限制，但仍希望对改善我国外贸企业信用风险管理与评估工作有所裨益。
Though this paper is limited to some study conditions, hopefully it can be of some help to enhancing the credit risk management and evaluation efforts for Chinese foreign trade enterprises.
近20年，随着越来越多的信用风险度量模型的建立和应用，信用风险管理也开始向工程化阶段过渡。
During the past 20 years, with more and more credit risk measurement models were applied, the management of credit risk has begun its transition to Engineering credit risk management.
随着国际银行业危机的发生，国际银行业和学术界开始深刻意识到研究银行信用风险管理技术的重要性。
Along with international banking crises occurring, international banking and academic circles have realized deeply the significance of the researches on credit risk management technology for Banks.
与世界发达国家相比，我国企业的信用风险管理意识缺乏，信用管理能力不足，信用风险状态令人堪忧。
Compared with world-developed countries, China's corporate insufficient awareness of credit risk and immature risk management skill makes the current credit risk a big concern.
本文首先介绍了信用风险管理的传统方法、度量手段及影响，然后指出其不足之处并引出信用衍生产品。
This paper firstly introduces the traditional methods and measurement means of the credit risk management, and then points out their shortcomings, paving the way to the credit derivatives.
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。
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。
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.
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