This paper proposes multiple internal credit risk rating system which refers to commercial bank credit risk.
本文提出了信贷风险的内部信用评价指标体系。
At present, the banking has adopted such advanced internal credit risk measurement model in developed Western countries.
目前，西方发达国家的银行业己经采取了这种先进的内部信用风险度量模型。
Internal credit rating is the core of the risk management system of commercial banking.
内部信用评级是商业银行风险管理体系的核心。
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.
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。
In addition, it has also positive significance for bank to improve internal risk management mechanism and to constantly upgrade their ability to resist credit risks.
另外，对于不断完善银行内部风险管理机制、不断提升银行自身抗信用风险能力等均具有积极意义。
Inside reasons include imperfect internal control mechanism, absence of efficient precautionary measures to credit risk, improper anti-risk system to immoral behaviors, etc.
内部原因包括商业银行内控制度不完善，缺乏有效的信贷风险预警机制，道德风险防范机制不健全等。
At present, the bank risks in China include credit risk, floating risk and managerial risk resulting from the imperfect system of internal management and supervision and control in the Banks.
当前我国银行风险主要为信用风险、流动性风险和管理风险。从银行内部讲是由于各项内开监控制度不健全，管理制度不完善所致。
In credit risk management, internal and external data is required for scoring purposes, for preventive measures during the credit monitoring process and to prioritize recovery efforts.
在信贷风险管理方面，外部和内部数据都需要用于评分系统，贷后监管流程中的预防性措施设定，以及对追收工作进行优先重点排序。
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。
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.
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。
Within this system are contained data collection, IT system as the support of credit risk evaluation, determination of internal risk rating and quantification of default and loss.
我国在构建内部评级体系过程中存在着诸如借款人评级和债项评级无数据跟踪；
The internal rating model that is established in the paper can resolve many problems, so it can be used to control credit risk.
该模型解决了以往研究中存在的指标反映信贷风险信息重叠与遗漏的问题，以及不能科学确定指标体系中各指标权重的问题。
The basic reason of delay payment is that company internal management need improving and be in short of professional credit risk management regulation.
我国企业间账款拖欠现象的产生，其根本原因是企业内部管理机制不健全，缺少专门的信用风险管理制度。
The basic reason of delay payment is that company internal management need improving and be in short of professional credit risk management regulation.
我国企业间账款拖欠现象的产生，其根本原因是企业内部管理机制不健全，缺少专门的信用风险管理制度。
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