The ccra is indeed an important addition to the financial infrastructure of hong kong . it not only helps improve the credit risk management of authorized institutions " ais " , but also enables smes with good credit standing to obtain bank credits more easily and quickly , and at better terms 资料服务机构是本港金融基建一项重要的新元素，不但有助改善认可机构的信贷风险管理，亦可使信贷质素良好的中小企业较快较易取得条款更优惠的银行贷款。
New basel accord introduced the idea of full management of risk . though the commercial banks of our country will not act to all the standards of this accord when it ’ ll come to effect in 2006 , the banks should make advance in the techniques of measuring the risk of loan 新巴塞尔协议提出了全面风险管理的理念,明年,新巴塞尔协议将正式使用,我国商业银行由于种种原因,届时将不会完全按照新巴塞尔协议的标准,但提高我国商业银行的信贷风险管理水平却是刻不容缓的。
Secondly , the article deeply analyzes the process of the credit risk control and find out the cause of formation of credit risk and the problems with credit risk control and management form aspects as follows : client structure about credit , related motivation measures , process of operation of credit , pre - loan investigation , checkup for loan , loan operation examination , and management of current non - performing loans . the article then offers solutions for how to guard against and defuse the credit risk regarding the existing problems , so that we can improve the credit asset quality of xx sub - branch and strengthen the credit risk control . ultimately , the article discusses the systematical risk caused by macro - economical environment with which state - owned commercial banks are trying to cope and the prospects for improving macro - environment 笔者首先通过对xx支行的信贷资产质量、和不良贷款率等几个方面的分析,揭示了该支行信贷风险的现状,指出有效的控制信贷风险对该支行来说是一个十分重要而迫切的问题;其次对xx支行在信贷风险控制过程中的诸多环节进行深入剖析,找出该支行信贷风险的成因以及信贷风险管理和控制中存在和暴露的问题,着重从以下几个方面进行分析:信贷客户结构、相关的激励措施、信贷业务操作流程、贷前调查、贷后检查、以及目前不良贷款的管理;然后针对存在的问题,逐一提出了化解、防范信贷风险的对策,以提高该支行的整体信贷资产质量,巩固和强化该支行的信贷风险防范和控制;最后从宏观的角度,浅谈了国有商业银行应对宏观经济环境导致的系统风险的思路以及改善宏观环境的展望。
The points of total assistant innovation , friendly circumstance and the perfects system of keeping away loan and lend risks , management loan and lend risks , supervision loan and lend risks , deal loan and lend risks , change loan and lend risks , elimination loan and lend risks and the ways of deal with those situations are firstly brought forward by me , likewise , i have attached importance to focus on these aspects in my research time 最后，论文通过对西方国家信贷风险管理的借鉴研究，提出了我国国有商业银行信贷风险管理的整体构想。论文关于抓好综合配套改革，创良好的外部环境及构建起信贷风险的防范机制、信贷风险管理机制、信贷风险的监测机制、信贷风险经营系统、信贷风险转移机制、信贷风险的吸收机制的有机体系及其操作方式，是本人的主要工作所在和创新性工作的体现。
The next two chapters are the most important parts of this article . here we first use foreign countries " experience for reference and then put forward some suggestions on advancing china ' s auto finance industry based on the current issues and obstacles existing in our auto finance field 第三章主要是针对我国目前汽车金融存在的问题，从从事汽车金融业务的机构、汽车金融的融资方式、汽车金融的法律制度以及汽车金融的信贷风险管理模式这几个方面来借鉴国外的先进经验。
Based on carefulness analysis of historical as well as interior and external reasons of loan and lend risks happening in stat - owned commercial bank in china , and analysis of economical circumstance , with deep analysis of status of loan and lend risks in stat - owned commercial bank in china , the paper indicate that our country ca n ' t take force measures to manage loan and lend risks in stat - owned commercial bank by means of policy and do n ' t adequately evaluate the credit . and the system of management risk , insurance and law in china is n ' t perfection . the enterprises which are changing their finance system have trouble to be supervised 论文在充分分析了我国国有商业银行信贷风险形成的历史原因、内在原因以及经济环境等外部原因的基础上，通过对我国国有商业银行信贷风险的现状的深入分析，揭示了我国国有商业银行信贷风险管理存在的信贷政策过于宽松、贷款组合管理不当，信用评估不足，风险管理体系不完善，对转制企业监控难，逃、悬债务严重，保险制度和法律制度不健全，缺乏有效的监督和预警机制等七大问题。
The foreign experience enlightens us that : first , high attention must be paid on the establishment and perfection of the individual credit system ; second , related legislation according to china must be made as quick as possible ; third , the source of the credit data must be opened to quicken the development of the market for credit rating ; forth , institutional structure and rel 通过对发达国家先进经验的研究，作者认为：第一、个人信用制度是国家信用管理体系和整个信用制度的重要内容，在市场经济逐步发展的今天，必须高度重视建立和完善个人信用制度；第二、尽快制订适合中国国情的信用管理相关立法方案；第三、开放数据源，加快发展征信市场：第四、发展个人信用，要健全个人信用组织机构，建立各项配套制度：第五、要加快信贷风险管理体系的建立等。
We have dropped behind the international advanced technology . i follow the order of theoretical analysis , and then practice verifying and finally guiding practice with relative theory . on the base of thorough studying of present international credit risk management technology , i went to the bank to have a investigation , after having a research in detail about the data and information of the bank , i build a new credit rating model 我遵循理论分析?实践验证?以理论指导实践的思路,在学习借鉴当今国际银行间的信贷风险管理技术变革的现状与发展方向的基础上,深入银行对商业银行的贷款管理现状进行了仔细的调研,详细分析了银行近几年的贷款资料,参考当前我国银行通用的信贷管理方法,建立了新的贷款评级模型。
After the research of new basel accord and the practice of western commercial banks ’ practice , i propose the china commercial banks use the kmv or z - score as the methods before adopting the standards of new basel accord . and the banks should prepare for the utilization of creditmetrics for the purpose of full management of risk . the paper consists of 7 parts : the first one is the introduction of this paper , which introduces the main contents and ideas of this 本文在研究新巴塞尔协议的基础上,参考国外信贷风险管理模型的相关成果,参照国外银行的实际做法,在分析了我国商业银行信贷风险管理的现状后,对我国商业银行今后发展信贷风险衡量技术提出了自己的见解:可以在过渡时期,针对自己银行的客户,选择适合本行的信贷风险衡量模型:以国际性大公司为主要客户的商业银行,可选择使用kmv模型;以国内公司为主要客户的商业银行,选择使用z - score模型。
In the case analysis part , combined with the theory of the credit risk management . we completely analysis the effect of guangdong province branch business department ' s action of strengthening the credit risk management , at last , according the status of foreign bank and their practices , and some suggestions have been given in the articles 在案例分析部分，强调了信贷风险管理的意义，并且结合了信贷风险管理的相关理论，对中国农业银行广东省分行营业部的强化信贷风险管理的措施与成效进行了详尽的分析，在最后针对实际情况，并参考国外银行业发展的状况，借鉴它们的经验结合我国当前的实际情况提出了一些建议。
