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最后，提出了优化我国商业银行信用评级方法的几点建议。
On the end, suggest some proposes of optimalizing the credit rating of commercial banks of china.
介绍了内部评级法和外部评级，比较分析了内部评级和外部评级之间的异同，对我国商业银行完善内部评级法提出了建议。
By introducing IRB approach and external rating, the similarities and differences between them were analyzed and Suggestions on how to improve commercial Banks' IRB approach were put forward.
并提出了建立和完善信用评级体系来规范我国商业银行次级债发行，保护投资者利益的一些建议和措施。
The author made some suggestions about how to build the perfect the rating system in banks of our country, which was to reduce the risk in SND issue and protect the behalf of investors.
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