Loan default is the main reason that bank ' s get into trouble and it is for this reason that many banks have dedicated credit risk management departments 贷款拖欠是银行陷入困境的主要原因，而且正是由于这个原因，许多银行才有了专门的信贷风险管理部门。
To strengthen the control of credit risk and optimize the quantity of credit assets of china " s commercial banks become the kernel of operating commercial banks 加强商业银行信贷风险管理与控制，优化信贷资产，降低信贷风险已逐步成为商业银行经营管理的核心内容。
The credit risk management is a permanent topic in commercial bank to which has been paid attention by many foreign governments especially after the asia finance crisis " broken out 信贷风险管理是商业银行的永恒主题，尤其在东南亚经济危机之后，受到各国广泛关注。
Chapter three . credit risk management and ias in state - owned commercial bank . credit risk is the possibility that borrower ca n ' t give back the loan to bank abiding by contracts 第三章国有商业银行信贷风险管理与独立审计制度信贷风险是指借款人不能按约偿还贷款的可能性。
Lastly , by sharing the experience of western commercial banks in managing the credit risks , the author puts forward a complete set of advices for the effective control of the bank ' s credit risks 最后，在借鉴西方商业银行信贷风险管理经验的基础上，论文为农行信贷风险的防范与控制提出了一套完整的建议。
The paper applies the methods of project appraisal into the practice , by the static and dynamic measurement , strict credit permission mechanism and normalizing the credit operation procedure , to prevent and control the credit risk from its source 把强化信贷风险管理落实到具体措施当中，科学定性定量，严格信贷准入机制，规范信贷操作程序，把风险防范和控制于源头。
Under the new situation of finance globalization , the commercial bank of china must use the international advanced experience managing credit risk and strengthening the management of credit risk , meeting requirements of “ agreement of basel ” 在金融全球化的新形势下,我国商业银行必须借鉴国际上先进的信贷风险管理经验,强化信贷风险管理,适应《巴塞尔协议》新框架的需要。
This scientific approach makes the bankers the masters of the risk of consumer credit , and then provides the bankers for management strategy in operation on consumer credit with the precise risk - standard or the precise risk - horizon 这种方法提高了消费信贷风险管理的科学性，使银行家对消费信贷风险有一个比较明确的掌握，从而可以为银行家的决策提供明确的风险标准或警戒线。
Based on careful research and study , this essay points out the shortcomings in abc ' s credit business and analyzes the underlying causes . then it provides the suggestion of constructing credit risk caution and defense system 本文在对农行信贷业务进行调查研究的基础上，分析农行信贷业务的现状，指出其存在的问题，并在全面深入分析其形成原因的基础上，借鉴国外先进的信贷风险管理经验，提出构建农行信贷风险防范和预警体系的思路。
