So enforcing the system of credit risk management to reduce the amount of bad assets is the four state-owned commercial Banks' main work, and also ensures to reduce our country's financial risks.

因此，加强和完善信贷风险管理，切实降低不良资产，是四大国有商业银行今后几年工作的重点，也是我国有效降低金融风险的重要保障。

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Credit standing risks of commercial clients exist all along a transaction, which have closely connections with the management of credit and marketing of the enterprises.

商业客户资信风险存在于交易过程的始终，它与企业的信用管理和营销管理密切相关。

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So the credit risk management is the hotspot of researches on the management of risks.

因此，信贷风险管理一直是国际上风险管理研究的热点。

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