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。
The exposure to non-default risk of loan portfolio is reflected accurately, at the same time IRB of banks has been improved.
准确地反映了贷款组合的非违约风险暴露,同时完善了银行的内部评级体系。
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