This thesis is based on the Gini coefficient of concentration of credit indicators model, and the simple data extreme measure is replaced by introducing of full-calibre data.

论文构建基于基尼系数的信贷集中度指标，通过引入全口径数据取代简单极值数据进行测度。

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The concentration of credit and loan in the state and the Banks is a principle of modern financial policy, and the loan made by non-financial institutions entails a great many defects.

信贷集中于国家和银行是现代国家的一般金融政策和法律原则，非金融机构的企业间的相互借贷弊端甚多。

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So credit default swap can reduce the concentration degree of credit risk in the prerequisite of not influencing the relationship with customers, therefore avoid the credit risks effectively.

因此，信用违约互换可以在不影响与客户的关系的前提下降低风险的集中度，从而有效回避信用风险。

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