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.
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”。
The paper studies the main content of Internal Ratings Based Approach and international commercial banks' IRB system, and analysis the key factors that implement IRB.
本文通过系统研究和分析新资本协议中内部评级法的主要内容和框架，以及国际商业银行的内部评级体系，找出实施内部评级体系的核心要素。
Hence, the Basel Committee proposed the Internal Ratings-Based Approach (IRB) in the New Basel Capital Accord, which is formally published in June 2004, and will be carried out in the end of 2006.
巴塞尔委员会在《新资本协议》中提出了内部信用评级IRB (The Internal Ratings - Based Approach)方法，并已于2004年6月正式公布，将于2006年底开始实施。
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