The increasing amount of individual credit loan creates demand for the control of individual credit risk.

个人消费信贷规模逐年增大，产生了对个人信用风险控制的需求。

youdao

And this thesis has studied the credit risk assessment methods of China's listed companies based on the individual credit risk analysis and the portfolio credit risk analysis respectively.

本文分别从个体信用风险分析的角度和组合信用风险分析的角度对中国上市公司信用风险的评估方法进行了研究。

youdao

The foreign experience indicated that, as an effective individual credit risk management tool, credit rating model played a very important role in the commercial banks' credit decision-making.

国外经验表明，个人信用评分模型作为一种有效的个人信用风险管理工具，在商业银行的信贷消费决策中起到了非常重要的作用。

youdao

That starts with creating a consumer-credit culture in the first place, plus many of the things lenders take for granted in North America, like individual credit histories, and finely tuned risk-based pricing where the riskiest customers pay the highest interest rates, to cover expected losses.

FORBES: Auto Lending Is A Big Hurdle In China

Another benefit is that bond funds spread out their positions over many individual issues, and this can reduce credit (default) risk.

FORBES: 5 Reasons Why Bond Funds Can Help You Navigate Bond Market Headwinds Successfully