第四章对目前国内外关于银行信贷风险或企业信用风险的识别方法进行了系统的分类介绍。
The fourth chapter systematically classifies the different ways at home and abroad to assess bank credit risks and enterprise credit risks.
在我国现阶段，商业银行开展的业务主要是贷款业务。信用等级是识别、度量和控制贷款的信用风险的重要参数。
Loan is the major business of commercial Banks in China and credit rating is the most important way to identify, measure and control the credit risk of loan in commercial Banks.
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