内部信用评级是商业银行风险管理体系的核心。
Internal credit rating is the core of the risk management system of commercial banking.
建立内部信用评级体系是适应新的监管要求的必然趋势。
The establishment of internal credit rating system to the new regulatory requirements is an inevitable trend.
本文分析了我国工商银行内部信用评级制度存在的问题。
The thesis also makes analysis on the existing problems of internal credit rating systems in Industrial and Commercial bank of China.
第四章“对改进我国商业银行内部信用评级系统的策略探讨”。
The fourth chapter is about "strategies on improving internal credit rating system in commercial bank of China".
论文利用贷款历史数据，通过因子分析、聚类分析等方法构建内部信用评级模型，并对模型的有效性进行了检验。
Through factor analysis, cluster analysis and so on, the paper establishes an internal rating model. The effectiveness of the model is tested.
以内部信用评级为前提的信用风险预警方法是防范和化解信贷风险的基础。目前我国商业银行都采用这一方式管理信贷风险。
The Internal Rating Based Approaches is the basic of credit risk rating system, which is used to dissolve the credit risk in our commercial banks.
提出在树立“风险防范优先”的理念下，建立健全内控制度，特别是在建立内部信用评级体系上狠做文章，成为进出口银行防范风险的关键。
Thus it is proposed that the key to prevent risk for the Bank is to build internal control institution, especially the internal rating system.
在对国有商业银行当前信用评级方法存在问题和国内外相关研究成果进行分析的基础上，论文提出了构建国有商业银行内部信用评级模型，提高信贷风险管理水平的观点。
On the basis of analyzing the shortcoming of state-owned commercial bank's credit rating system and the relative achievement, this paper emphasizes the importance of internal rating model.
巴塞尔委员会在《新资本协议》中提出了内部信用评级IRB (The Internal Ratings - BasedApproach)方法，并已于2004年6月正式公布，将于2006年底开始实施。
Hence, the Basel Committee proposed the Internal Ratings-Based Approach (IRB) in the New Basel Capital Accord, which is formally published in June 2004, and will be carried out in the end of 2006.
新巴塞尔资本协议将信用风险作为重中之重，鼓励商业银行建立以工程化的内部评级模型。
In the New Basel Capital Accord credit risk has been listed the first important item, encouraging commercial Banks to build an engineering IRB model.
作为国际银行界的“游戏规则”，巴塞尔新资本协议针对信用风险提出的标准法和内部评级法为将来商业银行进行信用风险管理指明了方向。
As a "rule of game" in banking industry, New Basel Capital Accord provides two options for credit risk management for commercial banks-the standardized approach and internal ratings-based approach.
信用风险的内部评级法(IRB)是巴塞尔新资本协议的核心内容。
Internal Rating-Based Approach (IRB) is the core content of the New Basel Capital Accord.
第三条商业银行采用内部评级法计量信用风险资本要求，应按照本指引要求对商业银行银行账户信用风险暴露进行分类。
Article 3 a commercial bank using internal ratings to measure the credit risk capital requirement shall categorize the banking-book credit risk exposures of a commercial bank under these Guidelines.
第三条商业银行采用内部评级法计量信用风险资本要求，应按照本指引要求对商业银行银行账户信用风险暴露进行分类。
Article 3 a commercial bank using internal ratings to measure the credit risk capital requirement shall categorize the banking-book credit risk exposures of a commercial bank under these Guidelines.
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