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.
信贷评级机构常常低估大额贷款的违约风险，致使价格不切实际的上涨和大规模发行。 ---》评级机构在大量债务上系统性的低估违约风险，。。。
Rating agencies systematically underestimated default risk on vast amounts of debt, resulting in puffed-up prices and a surfeit of issuance.
在介绍信贷风险管理相关概念及数据仓库技术的基础上，给出了一个基于数据仓库的信贷风险评级预警系统方案。
In this paper, the concept and character of credit risk management and Data Ware house are introduced. Then the scheme of a credit risk Early Warning System is presented.
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