而贷款的风险评价是商业银行贷款风险管理的关键环节，只有科学地评价风险，才能有效地指导银行授信业务。
Loan risk evaluation is a key link in loan risk management of commercial Banks because only by appraising risk scientifically can Banks direct business practices effectively.
在大力发展这一业务时，其授信风险的防范、分散和转移自然也就成为各家银行所要研究的课题。
Along with the enlargement of this business, it is of great necessity for all commercial Banks to study the prevention against, the deconcentration on, and the transfer of their accredited risks.
在风险管理领域中，良好的预警制度与明确的授信目标，将有助于银行放款人员进行授信业务之评估参考。
In the risk management field, a good early warning system with clearly loaning rules will help the bank's accommodator to make loans.
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