Due to all kinds of reasons, the loans credit risk management system exists many defects in the above mentioned Banks, they are affected obviously to the loans credit risk against with control.

由于种种原因，我国国有商业银行贷款信用风险管理制度存在着诸多缺陷，明显影响了银行对贷款信用风险的防范和控制。

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So enforcing the system of credit risk management to reduce the amount of bad assets is the four state-owned commercial Banks' main work, and also ensures to reduce our country's financial risks.

因此，加强和完善信贷风险管理，切实降低不良资产，是四大国有商业银行今后几年工作的重点，也是我国有效降低金融风险的重要保障。

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On the basis of this, it constructs a management system of credit risk of commercial banks from the aspects of outside supervision, restriction system, inside controlling, micro-management means etc.

在此基础上，从外部监管、约束机制、内控制度及微观管理工具等方面构建起商业银行的信用风险管理体系；

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For instance, one European bank that operates in several countries has implemented a credit risk management system that enables it to use analytics to improve the pricing of its credit products.

FORBES: Risk Management Comes of Age