准确地反映了贷款组合的非违约风险暴露，同时完善了银行的内部评级体系。
The exposure to non-default risk of loan portfolio is reflected accurately, at the same time IRB of banks has been improved.
本文通过系统研究和分析新资本协议中内部评级法的主要内容和框架，以及国际商业银行的内部评级体系，找出实施内部评级体系的核心要素。
The paper studies the main content of Internal Ratings Based Approach and international commercial banks' IRB system, and analysis the key factors that implement IRB.
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.
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