The goal of credit risk management is to maximise a bank's risk-adjusted rate of return by maintaining credit risk exposure within acceptable parameters.

对信用风险管理的目标是尽量维持在可接受的参数信贷风险，银行的风险调整回报率。

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The conventional methods of managing credit risk, such as diversification, bank loan sales, and asset securitisation, offer only a partial solution to controlling credit risk exposure.

传统的信用风险管理办法，例如分散化，银行贷款出售和资产证券化，只提供了控制信用风险暴露的部分办法。

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This expansion of credit, he goes on, has been accompanied by a distribution of risk that exposed to ruin millions of people who were unaware of their exposure.

他继续说，信贷扩张伴随着风险的分配，千百万人遭遇风险，但他们根本不知道自己可能面临的灭顶之灾。

youdao

He is chairman of the board's management development and compensation committee and also sits on the board's corporate governance committee and its finance committee, which oversees policies for managing credit and risk exposure at the firm.

FORBES: O'Neal Steps Aside At Merrill

The use of derivatives to lay off and buy credit risk can also obscure sources of credit exposure.

ECONOMIST: American banks

In addition, third parties with no exposure to the particular credit risk can bet on whether the Greeks will default.

FORBES: Credit Derivatives Don't Kill Countries, Politicians Do