目前，西方发达国家的银行业己经采取了这种先进的内部信用风险度量模型。

At present, the banking has adopted such advanced internal credit risk measurement model in developed Western countries.

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目前，在西方发达国家，绩效审计己经占到审计资源的50%以上，在美国更是高达85%以上。

At present, in the western developed country, the performance is audited only and accounted for and audit more than 50% of resources, up to more than 85% in u.

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