对两种典型的坏帐率统计方法进行比较，发现传统的统计方法存在很大的误差，从而影响信用风险的测定精度。
By comparing two typical statistics methods of default rate, the article found a serious error in the statistics method that will impact on the precision of credit risk measurement.
第一章主要探讨研究信用风险及其测定的意义。
In the first chapter, it mainly discusses the importance of researching credit risk.
该算法根据信用等级决定风险权重，可以更精确地测定信用风险资本。
It can measure the credit risk capital more accurately by deciding the risk weight according to the credit rates.
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