But aspect of the dissertation made helpful exploration to frame a systematic, procedural and applied research system of commercial banks credit risk from angles of technologies managing credit risk.

本文则从信用风险管理技术的角度出发，为构架起了系统化、程序化、应用化的商业银行信用风险研究体系作了有益的探索。

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Does that really mean the market considers Banks a better credit risk than the Treasury?

这难道意味着市场认为银行的信用风险比国债小吗？

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As credit business has been the main business for domestic commercial Banks, credit risk management thus became the important one for banking risks 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。

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Bank Indonesia Deputy Director Yunita Resmi Sari said the central bank imposed a minimum down payment for car and motorcycle loans last year to limit banks' credit risk and to ease consumers' debt burden.

WSJ: Loans Surge to Asia's Growing Middle Class

It enables banks to offload credit risk, provides transparency on lending conditions and may even smooth the ups and downs of the credit cycle.

ECONOMIST: Credit derivatives

BIS. Chief among them is a gradual shift from bank lending to the capital markets, which has meant that banks carry less credit risk.

ECONOMIST: American banks