而贷款的风险评价是商业银行贷款风险管理的关键环节，只有科学地评价风险，才能有效地指导银行授信业务。
Loan risk evaluation is a key link in loan risk management of commercial Banks because only by appraising risk scientifically can Banks direct business practices effectively.
在此基础上，运用模糊综合评判法，利用数学模型对风险进行量化评估，从而对船舶保函授信项目风险进行风险的综合评价；
On the basis of this analysis, this essay employs mathematics model to make quantitative evaluation of risks so as to give overall risk appraisal for ship-building guarantee;
第四部分，将非财务信用评价指标体系应用到实际问题的解决，为商业银行授信决策提供依据。
Part four, use the above evaluation system and method to analyse the practical case, helping commercial bank to make credit decision.
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