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”。

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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。

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As a "rule of game" in banking industry, New Basel Capital Accord provides two options for credit risk management for commercial banks-the standardized approach and internal ratings-based approach.

作为国际银行界的“游戏规则”，巴塞尔新资本协议针对信用风险提出的标准法和内部评级法为将来商业银行进行信用风险管理指明了方向。

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The alternative, for sophisticated banks, is to use their own internal ratings.

ECONOMIST: Banking regulation

Banks that can impress international regulators with the sophistication of their risk management will be able to use their own internal ratings instead.

ECONOMIST: Well-cushioned in Basle?

There are also two methods based on banks' own internal ratings.

ECONOMIST: Bothersome Basel