Commercial bank ' s credit asset securitization was one of the most important finance innovations in the domain of west commercial banks 西方商业银行信贷资产证券化可以说是近三十年来西方商业银行领域最重要的金融创新之一。
Researches on the causes of the credit risk of state - owned commercial banks and how to prevent it are up to date and of very realistic value in theory 国有商业银行信贷风险防范研究是一个方兴未艾的课题，具有十分现实的理论研究价值。
And choose the opportunity of credit funds " advance and retreat according to the different risk degree of credit customers " market 商业银行信贷的市场定位，是为了明确贷款客户市场，并根据贷款客户市场的风险程度选择信贷资金的进入和退出时机。
Furthermore , the existing credit assessment systems have a lot of limitation and the inaccurate results cau ^ e the increasing credit risk 而且，国内现有的信用评价系统都存在着不同程度的缺陷，评价结果失灵的现象比比皆是，造成商业银行信贷风险的增加。
To strengthen the control of credit risk and optimize the quantity of credit assets of china " s commercial banks become the kernel of operating commercial banks 加强商业银行信贷风险管理与控制，优化信贷资产，降低信贷风险已逐步成为商业银行经营管理的核心内容。
At present , commercial bank ' s credit asset securitization overseas has developed comparative maturity . but in china , it has been fetched in only about ten years 目前，国外的商业银行信贷资产证券化技术发展较为完善，而国内对其的引入和研究只是近几年来的事情。
However , how to effectively control risks so as to ensure the safety of the loans extended by commercial banks will to great extend decide whether such model can be broadly adopted 然而，如何有效控制风险，确保商业银行信贷资产的安全性，是该模式能否有效推广的关键。
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 第三章国有商业银行信贷风险管理与独立审计制度信贷风险是指借款人不能按约偿还贷款的可能性。
Chapter three described the precaution countermeasure against the credit risk problem of the state - run commercial bank , corresponding the problems mentioned in chapter two give the solution 第三章论述了国有商业银行信贷风险问题的防范对策，一一对应第二章提出的问题，加以解决。
The basic viewpoint of this thesis is that the limited senses of economic man and the incomplete information of markets are the fundamental causes of the credit risk of commercial banks 本文的基本观点是：经济人的有限理性与市场不完全信息的缺陷是商业银行信贷风险产生的根本原因。
