新巴塞尔资本协议将信用风险作为重中之重，鼓励商业银行建立以工程化的内部评级模型。
In the New Basel Capital Accord credit risk has been listed the first important item, encouraging commercial Banks to build an engineering IRB model.
而风险模型和风险管理系统较为复杂的大银行则可以选择协议规定的“内部评级法”，或者简称为“IRB”。
Bigger Banks with more sophisticated risk-modelling and risk-management systems can opt for what Basel 2 calls the "internal ratings-based approach", or IRB.
论文利用贷款历史数据，通过因子分析、聚类分析等方法构建内部信用评级模型，并对模型的有效性进行了检验。
Through factor analysis, cluster analysis and so on, the paper establishes an internal rating model. The effectiveness of the model is tested.
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