在此基础上，从外部监管、约束机制、内控制度及微观管理工具等方面构建起商业银行的信用风险管理体系；
On the basis of this, it constructs a management system of credit risk of commercial banks from the aspects of outside supervision, restriction system, inside controlling, micro-management means etc.
内部信用评级是商业银行风险管理体系的核心。
Internal credit rating is the core of the risk management system of commercial banking.
个人信贷消费的快速增长要求商业银行具有较为完备的信用风险管理体系。
The fast growth of personal credit consumption requests the bank to have perfect credit risk management system.
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