本文对客户需求进行了分析、归类，介绍了产品化软件的实施过程，以及在这过程中对需求进行评估的方式、需求风险的管理。

In this paper, a customer needs analysis, classification, introduced the implementation process of software products, and needs assessment methodology in the process, the management of demand risk.

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本文介绍了商业银行面临的信用风险、信用衍生产品在商业银行信用风险管理中的运用以及信用衍生产品对商业银行的影响。

This article introduces credit risk confronted with the commercial bank, the application of credit derivatives in commercial bank credit risk management and its impact on commercial bank.

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本文首先介绍了信用风险管理的传统方法、度量手段及影响，然后指出其不足之处并引出信用衍生产品。

This paper firstly introduces the traditional methods and measurement means of the credit risk management, and then points out their shortcomings, paving the way to the credit derivatives.

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