信用风险的内部评级法(IRB)是巴塞尔新资本协议的核心内容。

Internal Rating-Based Approach (IRB) is the core content of the New Basel Capital Accord.

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而风险模型和风险管理系统较为复杂的大银行则可以选择协议规定的“内部评级法”，或者简称为“IRB”。

Bigger Banks with more sophisticated risk-modelling and risk-management systems can opt for what Basel 2 calls the "internal ratings-based approach", or IRB.

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内部评级法使得银行能够自行开展更多的风险评估工作，在这种情况下，巴塞尔协议只得依赖于银行所在国的监管当局采取措施确保银行有能力、下功夫地开展工作。

In allowing Banks to do more of their own risk assessment under IRB, the Basel rules rely on national regulators to ensure that Banks are up to the job and are doing it diligently.

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