因此，信用违约互换可以在不影响与客户的关系的前提下降低风险的集中度，从而有效回避信用风险。
So credit default swap can reduce the concentration degree of credit risk in the prerequisite of not influencing the relationship with customers, therefore avoid the credit risks effectively.
信用风险具有很强的集聚性，如果发行企业过于集中在某几个行业，可能在行业风险加大的时候对市场流动性带来严重影响。
Credit risk is highly aggregative. If issuing companies are limited to certain industries, it can influence market liquidity when industrial risk increases.
在银行业经常存在的各种风险中，最突出、最集中的问题就是信用风险。
Among the various ever-present risks involving the Bank Industry, Credit-risk is the most outstanding and common.
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