本文是首次对鞍山市银行业信贷风险管理进行详实系统的研究。
It is the first essay that study Anshan Banks (including commercial Banks and stock Banks) credit risks management.
然后，介绍了美国花旗银行信贷风险管理的经验和得到的启示。
The paper analyzed systematically the cause of credit risks of state-owned commercial banks from the banks, the enterprises and the external environment.
本文的第三章着重讨论了信贷风险管理的制度系统及其执行效率。
Chapter Three of this thesis puts emphases on credit risks management system and its executive efficiency.
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。
This article is based on this background and explored this theme of commercial Banks' credit risk 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。
As credit business has been the main business for domestic commercial Banks, credit risk management thus became the important one for banking risks management.
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。
Hence, enhance credit risk management and improve credit risk managing ability gradually become the top urgent affairs for each commercial Banks.
当前从信息不对称的角度研究商业银行信贷风险管理问题的研究缺乏结合实际案例的分析。
Currently, the research from the point of information-asymmetry on credit risk management of commercial bank lacks the analysis linked with actual cases.
本文建立的信贷风险管理系统包括两大部分，即信贷风险环境控制体系和信贷风险过程控制体系。
The management system set up in the article include two main part, that is procedure control system and environmental control system.
因此对商业银行信贷风险管理引入财务危机预警模型进行定量分析具有十分重要的理论和现实意义。
Therefore it is of very important significance on theory and reality to bring quantitative analysis into the financial crisis forewarning model for credit risk management of commercial bank.
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。
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.
第四部分根据论文前几部分对我国信贷风险以及信贷风险管理的研究，。就其存在问题提出解决措施和方案。
The fourth part, based on China's credit risk and credit risk management research in the previous papers, propose solutions to existing problems on their measures and programs.
在介绍信贷风险管理相关概念及数据仓库技术的基础上，给出了一个基于数据仓库的信贷风险评级预警系统方案。
In this paper, the concept and character of credit risk management and Data Ware house are introduced. Then the scheme of a credit risk Early Warning System is presented.
本文在回顾了信贷风险管理相关理论后，分析了我国商业银行信贷风险的特征，并指出了信贷风险管理中尚存在的问题。
This paper point out the problems of risks management of Chinese commercial bank after analyzing the features of credit risks.
对商业银行信贷风险管理的研究，可以保障银行的经营安全，以最小的损失来获得控制信贷风险的最佳效果，防患于未然。
The research on the credit risk management of commercial bank can guarantee security, control the credit risk effectively with a minimum loss and take preventive measures.
从当前我国银行信贷风险管理情况来看，我国商业银行风险管理水平普遍较低，整个银行体系不良贷款率偏高，远远高于国际警戒线。
Now, The level of our country commercial bank risk manage is widespread and lower, and the bad loan rate of whole bank system is higher, far higher than international warn line.
在信贷风险管理方面，外部和内部数据都需要用于评分系统，贷后监管流程中的预防性措施设定，以及对追收工作进行优先重点排序。
In credit risk management, internal and external data is required for scoring purposes, for preventive measures during the credit monitoring process and to prioritize recovery efforts.
目前国内外商业银行的信贷风险管理模式一般是通过控制单笔贷款的风险实现的，但单笔贷款的最优并不意味着银行贷款总体的最优。
The current common practice in managing credit-risk in commercial Banks worldwide is to set limit on the risks of single loans so that the total risks of a bank's loan portfolios can be controlled.
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。
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。
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.
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