credit risk management 中文意思是什麼

credit risk management 解釋
信貸風險管理
  • credit : n 1 信用，信任。2 名譽，名望，聲望。3 贊揚，稱許；光榮，功勞，勛績，榮譽。4 信貸；賒銷；貸款；存...
  • risk : n 1 風險，危險；冒險。2 【保險】（損失的）風險（率）；保險金額；被保險人，被保險物。vt 冒…的危險...
  • management : n. 1. 辦理，處理；管理，經營；經營力，經營手腕。2. 安排；妥善對待。3. 〈the management〉〈集合詞〉（工商企業）管理部門；董事會；廠方，資方。
  1. Secondly, through survey and study, have carried on the positive research to enterprise ' s credit risk management current situation of our country, and launch analysing its origin cause of formation, adopt polyhydric statistical method to structure the credit model which suits my national conditions

    其次，通過調研，對我國企業信用風險管理現狀進行了實證研究，並對其成因展開分析，採用多元統計方法構建了適合我國情況的信用分析模型。
  2. This paper from the actual situation has analyzed the integer status of our banking, and mostly discussed the superior and inferior of the nation owned single proprietorship bank of commerce of our country after we joined wto, and sums up that the nation owned single proprietorship bank of commerce of our country should take reforms in the finance system, pattern of management, and strengthen the credit risk management, expand retailing positively and construct the networking bank such as positive effective countermeasure so as to compete with the foreign banks

    該項研究，從實際出發，充分論述和分析我國銀行業的整體狀況，通過重點論述加入wto后，我國國有獨資商業銀行在競爭中具有的優、劣勢分析，總結出我國國有獨資商業銀行作為我國銀行業主體應該在金融體制改革、經營模式轉換，加強信貸風險管理，積極發展零售業務，構建網路銀行等方面，採取積極有效對策，同外資銀行進行競爭。
  3. The flow diagram of credit business is the lifeline of credit risk management operation

    摘要信貸業務流程是信貸風險管理運作的生命線。
  4. Finally, according to the practical requirement of classification management to credit risk management, it uses k - means clustering method to cluster the evaluation result, and then get the credit ranks the small and middle enterprises belong to

    最後，根據對信用風險管理應實行分級管理的實踐要求，利用k -平均聚類劃分法對信用風險評估結果進行聚類劃分，從而得到各中小企業所屬于的信用風險等級。
  5. Banks therefore seek additional ways to protect themselves - through prudent credit risk management - by, for example, requiring security for the loans

    因此，銀行會透過審慎的信貸風險管理來保障本身的利益，例如銀行會要求借款人提供抵押品。
  6. Chapter three. credit risk management and ias in state - owned commercial bank. credit risk is the possibility that borrower ca n ' t give back the loan to bank abiding by contracts

    第三章國有商業銀行信貸風險管理與獨立審計制度信貸風險是指借款人不能按約償還貸款的可能性。
  7. Research on the h control applied in bank credit risk management system

    控制應用於信貸風險管理問題的研究
  8. In addition, risk preventions for bidding documents and contract execution are proposed. in view of the weak awareness of risk by the contractors, basic concept of the contractors on credit risk management is also put forward based on the successful experience and technology of credit risk management in the foreign countries and in china

    又對招標中的合同文件到合同履約的風險問題提出風險防範的對策，針對承包商風險意識非常淡泊的現狀，借鑒國內及國際上成功的信用風險管理的經驗及技術，提出了承包商信用風險管理的思路的基本構想。
  9. The thesis begins with the introduction of theories in credit risk management. based on the analysis of credit risk ' s economic aftereffects, it puts forward the target and principles of credit risk management, and introduces the process and technology of credit risk management

    本文首先對商業銀行信用風險管理進行了基本的理論分析，在分析商業銀行信用風險的經濟後果的基礎上，提出了商業銀行信用風險組合管理的目標和原則，介紹了商業銀行信用風險管理的過程和技術。
  10. Firstly, this thesis starts with credit risk management of commercial banks, describes the necessary of applying loans " portfolio to reduce loan risk, and builds up a decision - making model of loans " portfolio optimization based on principle of maximum earning and minimum risk

    論文首先從商業銀行信貸風險管理的現狀入手，闡明了採用貸款組合減少信貸風險的必要性，對基於單位風險收益最大化原則的銀行貸款組合優化決策模型進行了深入的理論分析，提出了建模的原則和假設，並給出了基於風險效益綜合評價的貸款風險組合優化模型。
  11. Nowadays, credit risk management in the commercial banks of our country is not perfect in that obviously we are left behind by the counterparts of those western developed countries in the credit risk management concepts and mechanism especially technology and information management, we are still on the preliminary stage

    隨著信貸等授信管理體制和制度的不斷創新完善，國有商業銀行的授信風險管理水平已躍上一個新的臺階。但在授信風險管理中依然存在著許多問題和不盡人意的地方，因此，必須進一步完善授信管理機制，有效防範和控制授信風險。
  12. Credit risk is derived from credit operations and an impersonal economic phenomenon. it can not be perished, only can be controlled and reduced. modern banking pays massive attention to credit risk management

    授信是予以人信用的行為，任何法人和自然人對任何法人和自然人都可能發生，但由於商業銀行的特殊地位，其授信業務發生得較為頻繁。
  13. It may not only benefit for the improvement of credit risk management in banks, but also can reduce the revenue risk in loan

    這有利於銀行提高信用風險管理水平，降低銀行在信貸過程中的收益風險不對稱。
  14. This paper adopts the analysis way of theory and practice, links the current state of china ' s credit risk management and foreign practice, get the conclusions that the china ' s credit risk management must adopt enterprise ' s route, then gradually improve the enterprises " credit risk management

    本論文採用理論分析與實證分析相結合的研究方法，結合中國信用風險管理的現狀和國外實踐，提出了中國的企業信用風險管理必須走企業路徑，漸進地推進企業的信用風險管理制度建設。
  15. This article aims to find some practical methods to reform and optimize credit risk management structure of state - owned commercial banks. during my research process, i collected abundant relevant materials, combed the materials to abstract main clue, and also did powerful analysis with case demonstration, all of which will be reflected in the main body of this article. this article can be divided into three correlated parts : in the first one, it reviews the evolution history of the loan credit risk management of the four state - owned commercial banks, which rationally leads to the discussion of the loan credit risk management reform in the following part

    正文希望提供關于國有商業銀行貸款信用風險管理的較為全面的觀察視野，並致力於勾勒清晰的沿革路線和遵循嚴密的論證邏輯，為此，本文分為三部分進行論述:首先本文梳理概括我國國有商業銀行貸款信用風險管理的歷史沿革狀況，提供有關國有商業銀行貸款信用風險問題的基礎信息，簡要分析國有商業銀行龐大不良貸款和畸高不良貸款比率的歷史成因，探討了近幾年以來貸款信用風險管理改革舉措與成效，以清晰說明貸款信用風險管理改革的時代背景和歷史軌跡，為進一步論證奠立事實根基和案例基礎。
  16. And then this text made the countermeasures of building credit risk management system : the first, good credit culture should be formed to build the cultural foundation of risk management of credit ; secondly, the structure of risk management should be improved to block up the loopholes of current risk supervision mode ; besides, credit collection system should be built as the guarantee because credit measure models needing accurate reliable datum ; most important, to achieve the revolution of credit risk management, credit risk models should be set up ; finally, chinese commercial banks need took measures to manage credit risks, including the adoption of asset securitization and credit derivative securities

    最後是打造信用風險工程化管理體系的對策部分：首先是要構建良好的信用文化，打造信用風險管理的文化基礎；其次要構建全面的風險管理模式，完善信用流程監控漏洞；同時，度量模型需要準確可靠的數據來源，因此需要完善的徵信體系作為保障；最重要的，是建立先進的信用風險模型，實現信用風險量化管理的革命；最後還需要引入多樣的風險轉移手段，疏通信用風險緩釋渠道。
  17. In chapter, after explaining the relation between the definition of default and default incident, the author makes a definition that default probability is the borrowers ’ probability of incurring default incidents, followed by summary of the role of default probability playing in the credit risk management and comparison of the advantages and disadvantages of four modern famous credit risk models

    第二章對論文的基本概念進行界定。在本部分，指出現代違約定義由一系列違約事件構成，違約概率是指債務人發生違約事件的概率，介紹違約概率在信用風險管理中的地位，對各種違約概率估計方法進行了比較。
  18. This thesis takes zhenjiang city commercial bank ( zccb ) as the research object, stating with the basic theory of credit risk by way of analyzing in combining the theory into practice, and then deeply analyzing the current status and credit risk system in order to find the weak aspects on the basis of research, and with consulting foreign banks " advanced means in controlling credit risk and with importing the credit risk management system project, specially importing the model of crdeit metrics, the most important means in measuring the var value of credit risk in the above mentioned project, and then puts forward the conclusion that the means in managing the credit risk is changeable and dynamic with using synthetic ways in accordance with the practical status, and also advises how to improve the credit risk management on the part of zccb

    本論文以鎮江市商業銀行為研究對象，從商業銀行信用風險的基本理論入手，運用理論和實踐相結合的分析方法，深入分析了鎮江市商業銀行的經營現狀和鎮江商行信用風險體系，找出其薄弱環節。在此基礎上，借鑒國外銀行信用風險管理先進手段，引進信用風險管理系統工程，特別是此系統工程中最為重要的信用風險量化手段creditmetrics模型測算風險的var值，構建了鎮江市商業銀行信用風險管理的模型，提出了在強化信用風險管理相關環節的同時，必須進行raroc考核，以評定相關信貸人員的業績及分配風險資本。並針對鎮江市商業銀行的實際，提出了改進鎮江商行信用風險管理的措施建議。
  19. Contradiction between loan credit risk management and loan business development becomes more serious ; 2. the internal rating - based system is far from completion, so loan credit risk management is not efficient enough yet. 3

    1999年以前我國國有商業銀行貸款信用風險具有「雙高」 、 「兩低」 （即高不良貸款余額，高不良貸款率;低收息率，低撥備覆蓋率）的典型特徵。
  20. Some stylized facts about these models will be provided. these models will be tested by using the financial data from some public company of our country. there are five chapters in this dissertation and the remainder of this paper is structured as follows : the first chapter begins with this paper ’ s research background, aim and innovation. in the second section the paper introduces the process of credit risk management models development. the evolvement of credit risk management and four widely used models i. e. kmv 、 creditmetricstm 、 creditrisk + 、 creditportfolio view will be introduced in the third section

    本文對現今國際上比較著名的，在信用風險管理實踐中應用最為廣泛的kmv ， grcditmetrics ， creditrisk + ， creditportfolioview四個模型進行了比較分析，從原理概念，模型建立的理論基礎以及模型之間的相互關系，研究了各模型的特徵，並運用國內公司的相關數據對kmv模型進行了實證分析，就我國當前信用發展狀況下，各度量模型適應性進行了比較，以期為我國信用風險模型的構建提供借鑒與參考。
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