| 1. | Controlling credit risk
控制信用风险 |
| 2. | So it is important for commercial bank to prevent and control credit risk
因此，预防和控制信用风险对商业银行来说是十分重要的。 |
| 3. | The credit assessment of borrower is the major measure for commercial bank to control credit risk and manage risky asset
信贷客户信用评价，是商业银行控制信用风险和资产风险管理的主要手段。 |
| 4. | Thus business department in our country has made discussion on this issue and conclude some methods to control credit risk
我国商务部也专门对企业信用问题进行了讨论,并总结了一些控制企业信用风险的方法。 |
| 5. | After providing loans , commercial bank can also control credit risk through adjusting credit policy based on the change of the borrower ' s credit assessment
在贷款过程中，根据客户信用水平的变化，相应地调整对该客户的信贷政策，能够有效地控制风险。 |
| 6. | Premier zhu rongji especially pointed out the importance of building the system of controlling credit risk in his government working report . it is also proved that this work is very important
朱?基总理在政府工作报告中特别强调了建立信用控制机制的重要性，这也充分说明了此项工作的意义。 |
| 7. | By analyzing the shortage and loss of credit by means of economics , it is believed in this essay that we should start to guard against and control credit risk through uprooting the behaviour of credibility loss
信用缺失的基础是有限理性和机会主义的存在。通过对信用缺失的经济学分析，笔者认为防范和控制信用风险首先要从根治失信行为开始。 |
| 8. | By the same time , the paper introduces a kind of advance risk management technique - value at risk , or var . in the second part , the paper studies how to use the var method to measure and control credit risk in terms of default rate and ranks of credit
针对我国商业银行风险的这种特点，本文引入了西方商业银行的风险管理技术风险价值法var （ value - at - risk ） ，介绍了风险价值法的的估算方法，并分析了该方法的局限性及适用条件。 |
| 9. | This thesis takes zhenjiang city commercial bank ( zccb ) as the research object , stating with the basic theory of credit risk by way of analyzing in combining the theory into practice , and then deeply analyzing the current status and credit risk system in order to find the weak aspects on the basis of research , and with consulting foreign banks " advanced means in controlling credit risk and with importing the credit risk management system project , specially importing the model of crdeit metrics , the most important means in measuring the var value of credit risk in the above mentioned project , and then puts forward the conclusion that the means in managing the credit risk is changeable and dynamic with using synthetic ways in accordance with the practical status , and also advises how to improve the credit risk management on the part of zccb
本论文以镇江市商业银行为研究对象，从商业银行信用风险的基本理论入手，运用理论和实践相结合的分析方法，深入分析了镇江市商业银行的经营现状和镇江商行信用风险体系，找出其薄弱环节。在此基础上，借鉴国外银行信用风险管理先进手段，引进信用风险管理系统工程，特别是此系统工程中最为重要的信用风险量化手段creditmetrics模型测算风险的var值，构建了镇江市商业银行信用风险管理的模型，提出了在强化信用风险管理相关环节的同时，必须进行raroc考核，以评定相关信贷人员的业绩及分配风险资本。并针对镇江市商业银行的实际，提出了改进镇江商行信用风险管理的措施建议。 |
| 10. | The domestic and international commercial banks put forth new ideas to control credit risk . and also , with economic globalization , development of science and technique , customer scale of bank enlarges rapidly , which makes thousands of banks compete face to face . commercial banks confront incandescent competition
同时，经济全球化、金融一体化和银行业电子化，迅速扩大了银行客户规模，也使得成千上万的银行开始面对面地竞争；银行业顾客基础的变化改变了银行贷款组合结构，使数量大、信用高的贷款比例进一步下降，小企业、信用低风险大的贷款比例进一步增大。 |
