bad credit risk的意思|示意

The lower quality and highly bad loan of credit assets in the commercial bank of our country has became the most hidden trouble of financial risk.

我国商业银行信贷资产质量低下，不良贷款比率高，已经成为我国金融风险的最大隐患。

Commercial bank's credit risk has become a risk system in national economic operation. It's mainly embodied by large amounts of bad loans accumulated in commercial Banks.

商业银行的信贷风险已成为国民经济运行中的一种系统风险，其主要表现为商业银行积累的大量不良贷款。

Bad debt risk is an objective existence, as long as there is likely to have bad credit.

坏账风险是客观存在的，只要有赊销就可能有坏账。

For when a bad credit customers for the duration of the benchmark lending rate will adjust interest rates or risk borrowers under certain conditions the rate broke surface.

对于届时有不良信用的客户，贷款利率将调整为期限基准利率或根据借款人风险状况进行一定幅度的上浮。

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。

Therefore, the research on credit risk measurement based on IRB is practically significant for Chinese commercial banks to control their increasing bad loan and enhance the core competitive capacity.

因此，以IRB思想为指引研究商业银行的信用风险度量问题，对于控制中资商业银行不良贷款的增长，提升其核心竞争力具有现实的意义。