The latest penalty involves a relatively small part of jpmorgan ' s japanese operations ? the team that deals with real estate securitisation at the trust bank ? and is not expected to have a significant impact on its overall business in japan 这一最新惩罚措施只涉及jp摩根日本业务相对很小的一部分，即信托银行处理房地产证券化业务的团队，因此预计不会对该银行在日本的总体业务造成重大影响。
The original method became outdated , how to measure and manage the credit risk more accurately becomes the one of the biggest challenge to the commercial bank . therefore , the developed countries leading by the united states have developed a series of advanced models to measure and manage the credit risk , such as credit metrics model , kmv model , credit risk + model , credit portfolio view model and so on 因此,以美国为代表的西方发达国家不断开发出一系列信用风险度量模型,使信用风险的管理实现了定性和定量的结合,这些模型包括jp摩根的creditmetrics模型, kmv公司的kmv模型,瑞士银行金融产品开发部的creditrisk +模型和麦肯锡公司的creditportfolioview模型。
